www.iva.co.uk

Well I have just had a phone call from grant and Thornton saying my case has now gone to completion at long last only took 8 yrs this so hopefully fingers crossed it should be done in 6 months thank god [:)]

Hopefully the end is nigh, good luck and hope that certificate doesn't take long to materialise.

Fingers crossed for you ...its been a long haul but you are almost there x

Good luck. Hopefully you won't have to wait too long for certificate

I still don't know why this process takes six months in some firms, however am pleased to see that at least you now appear to be at first base. Best of luck for a speedy conclusion.

I am waiting for my completion certificate from GT(F and F agreed two months ago). They say that it takes on average 6 months and when I chased it up they told me they are still awaiting claims from creditors and this can take up to four months and it all has to be done by letter. Is this correct?

I would be surprised if all the claims were not in by now since your IVA is nearly five years old. The person may have thought you did a one off IVA rather than a full and final on an existing one.

I doubt it Michael -- GT regard the completion process as a minimum of 6 months and is "stand alone" to the rest of the process ... everything gets repeated !!

We cannot wait to close files down as the client is happy, creditors have been paid and we have drawn our fees. Keeping files open longer than necessary creates work and additional costs which we certainly want to avoid!

This is it .... effectively all work done after the last payment is not paid for ... but GT have their own way of looking at the world !

GT have been fine throughout my IVA until now. I need to sell my house but cannot do that until I receive my CC. They have told me if I sell beforehand that the equity will be classed as a windfall. I think 6 months to wait is unfair.