Our IVA was 'sold' to aperture, we did not deal with them by choice. The left hand doesn't know what the right hand is doing. They can't answer queries, they don't return calls or respond to paperwork. They either don't send what they say they are going to, then wast numerous phone calls 'chasing' said paperwork. And if by chance you do get it and follow up with a query - they often lose paperwork and the cycle starts again. Today receive ppi claim letter saying they are unable to progress the IVA as they don't hold an exact breakdown of the compensation. They've dealt direct with her companies and sent us cheques for the intetest- so clearly DO know what is what. Don't touch them. They are incompetent idiots:-(