I am currently in an IVA which is being dealt with by Aperture, I can't recommend them enough!! Every time I call them I can honestly say that I always deal with a happy, helpful advisor which is very welcoming in what has been one the the hardest times off my life. My querys are always dealt with promptly and any questions I have have always been answered. Anyone that has to go into an IVA I say go with Aperture you won't disappointed with the absolutely fantastic customer service that you receive and help and support that you get from them during the time you are with them. A very big THANKYOU to all the advisors I have dealt with you all are certainly in the right job!!!