if you have made your last payment, and are waiting to receive completion certificate are you allowed to work overtime without having to pay half of it back
I would think so but don't take my word for it! I think it's only if you receive windfalls or money that is unrelated to your monthly pay that you would have to pay across, but then I really don't know, have you spoken to your IP?
When people are forced to wait a ridiculous time for their certificate, they shouldn't be made to pay anything during the "admin phase". Otherwise it really is unfair!
I agree with BoL -- the obligations should cease once that final payment has been made. Why should we have to hang in limbo at the whim of the admin process ?
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
Totally correct,as per another thread this long delay in issuing completion certificates is unjustified and poor practice.
Whats wrong with an IP starting to wind things up 3 months before the end of the iva and that way after the 60 months it would be faster to complete the process?
There should be a maximum period allowed and after your final payment you should be discharged from any liabilities.
Paul
Discharged today the 8th feb 2012. View is much brighter now.
Continuing to rebuild our credit worthiness.
Some proposals do have a time limit for wrapping everything up, but it seems to be just sheer backlog with some firms. The silver lining is that lots of people are completing successfully!
