www.iva.co.uk

Dear experienced IVA people and completers,

I was wondering what happens in the last month of the IVA and the closing procedures for the IVA. Are there any final meetings? Do I have to submit a load of paperwork? When will the completion certificate rock up on my door mat? What happens when I make my final payment in July? I am excited, but clueless.

*N.B the champagne I was given five years ago for my 28th birthday present was saved for completion day!

Just before the last payment -- check with your IP that you can stop the DD or SO after the last one has gone out ( confirm the date), There will be a final review .. mainly concerned with the last years income, to make sure no overtime or extra payments have been missed. CC is issued within a couple of months for most firms, although some do take a little longer.

You might have to put the champagne on ice for up to 6 months before you get your CC. Keep the pressure on your IP to get it closed quickly.

Best of luck and well done on reaching the last payment!

Once you have your CC you might find this quick video I made about cleaning up your credit record useful:

https://www.youtube.com/watch?v=PV4RzUY4BRM

Noddle and Clearscore are also free credit agencies to consider using:

https://www.noddle.co.uk/
https://www.clearscore.com/

Squee! Thanks Lisa!

You're welcome. I hope they close it quickly for you.