www.iva.co.uk

The 3rd annual review has just been done, just another 23 payments to go.

Was informed that next year will be my last annual review, when I send in all my payslips, P60. The final year, will be dealt with by the completion team, when I will issued with a certificate of completion.

Jumping the gun slightly, can anyone tell me what happens in the final year.

Hi allenhero, well done for coming thus far, hope it's been ok for you.

Your certificate of completion will be issued when the IVA is complete and all signed off by your IP. Do you have the equity clause?

Congrats on getting so far.

I think the 4th year is probably the easiest, well it was for me (no house so no equity clause).. You have over half of the IVA behind you but it still feels like a bit of a distance so you don't really focus on it.

The last year, especially the last 6 months seem to be going slower than the first 4 years!!

Good luck for the next 2 though ;o)