www.iva.co.uk

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 now your IVA is completed you could keep any overtime erned but to be on the safe side maybe check with your iva company.

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!

Go for it and enjoy ! As far as I am aware it is windfall's that still count whilst waiting for certificate

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 ?

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

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!