I'm now into my final year, 12 more payments starting 27th august (can't believe im actually at this point, it feels so great!!!)
Just wondering if i can expect anything different in the final year? I'm with Grant Thornton (got switched over from Blair Endersby/Baines & Ernst) and have just had my annual income review with no change to my monthly payments, will i have another at the end of this last year or will that be it? Also, will i have any other forms to fill in throughout the year to help complete my IVA or will i just get something after my last payment??
So happy to be near the end and for any others reading this just starting out or half way through, it does get easier, and when you see the light at the end of the tunnel, you start to realise that it wasn't as far away as you first thought it was.
Hello. I'm in my final year 6 payments to go, fingers crossed. I am with debt free direct and have had only one letter this year asking for mortgage statement and nothing else
You should not have an annual review at the end of the year, but your IP will need your wage-slips to see if any uplift payments need making, and will need a windfalls declaration from you.
As Melanie has confirmed, Grant Thornton will require a copy of your payslips prior to progressing your case for completion. The purpose of this exercise is to determine any additional monies earned, if any such as Overtime and Bonus.
For any further queries surrounding this final review or closure process itself, please email ivacustomerservices@uk.gt.com with "IVA Forum" in the subject line and we will be happy to discuss.
Well done on reaching your final year - almost in countdown mode now and the light at the end of the tunnel is getting brighter and brighter each day - stay focused and you will soon be debt free !
Sharing from experiences of dealing with debt
There is a solution for everyone .... Just need to stay positive !
Good luck from me too, i have found that this year has dragged a little to be honest but then being off sick for the majority of it may well have had something to do with that, roll on the 24th August, last payment wahooooo.
Om shanti, namesté, good luck to all who are embarking on the IVA journey, it isn't always an easy one but the outcome is the best.
IVA COMPLETED August 2012, received Completion certificate 18.4.13.
