If I remember correctly, the next step is your IVA will go into a closure review, which once completed will then result in your IVA going to the closure team. Once with the closure team, they'll quote 6 months to close the case down. However, it might take several months for your case to goto closures, so a good case scenario is probably 9-10 months. Some have waited a lot longer. I'm nearly at 10 months since final payment and still dont have closure, so looks like they will fail to keep even to this long drawn out deadline. A lot of the delay seems to be down to PPI issues and how GT are handling them.
Also, you'll still be held to the terms of the IVA until the completion documents are received, and they'll not cut you any slack because you've completed your payments. This means no credit rebuilding or taking credit out, being stuck with the IVA on your credit report and insolvency register, and paying over any windfalls that might come your way.
On the plus side, you dont have any more monthly payments to make so for now, just enjoy that.
And well done for getting this far.
