They are perhaps the most unprofessional and unthoughtful company I have ever spoken to! Literally, you get a different story from every person you speak to in that company, in some cases a different story from the same person in the same phone call! They will change their story mid conversation to something that suits them better! The replying to an email within 5 days is a joke! Ring, ask to speak to a supervisor/manager and you will be told that company policy is that they will call you back in 48 hours, just don't expect them to actually call you back, it won't happen! My IVA was with Cleardebt originally, who seemed ok, then it was sold to Aperture, who were awful and now it has been sold to Jarvis and I think they may have achieved the impossible by actually being worse than Aperture