Nearing the end.....

ToffeeBlue

In year 3 of IVA and I have a question. I have seen comments posted on this site regarding VIA completion certificates and that they can be dragged out by possibly a whole year.

My questions is, after the 60 months are up and the payments cease, will I still have to send in payslips to the IVA company for them to check if I owe them anything!!! I am guessing that any salary increase or extra I would earn I would lose half during this period just like I were still in the IVA.

Any thoughts appreciated....

UpToMyNeckInIt

Which IP are you with? If it's Grant Thornton, I've come across people on another forum waiting 18 Months or more for their CC.

If you've provided the required information, and allowed a reasonable consideration period (say 28 Days), start badgering your IP, and seriously consider using the formal complaint procedure if they fob you off with excuses (popular ones: PPI reclaiming in progress, problems with VAT, staff on leave etc).

The more of a nuisance you make yourself, the quicker they will want rid of you.

Well done for making it through by the way.

Best of luck.

GD2_2

If you have made all your contractual payments as you should have then you are done. The certificate can be a pain in the backside issue, but should you win the lottery they can't come after you, and any pay increases post IVA are yours to keep as well.

Foxy-Stoat_3

ToffeeBlue wrote: »

In year 3 of IVA and I have a question. I have seen comments posted on this site regarding VIA completion certificates and that they can be dragged out by possibly a whole year.

My questions is, after the 60 months are up and the payments cease, will I still have to send in payslips to the IVA company for them to check if I owe them anything!!! I am guessing that any salary increase or extra I would earn I would lose half during this period just like I were still in the IVA.

Any thoughts appreciated....

After the 60th payment, cancel standing order and complete any annual review form as you previously have done and wait for the final statement and any recommendations from the IP, based on the previous year. The following year will have no relevance to your IVA, unless you have equity in your house that formed part of your IVA.

The completion certificate will follow at some point in the near/far future.

ToffeeBlue

Thanks for the comments. Thankfully the ppi claims are resolved so they cant pull the wool over with that one.

I will give the IP chance to sort the cc out and if no joy then I will be on to them like no tomorrow!:mad: