My IVA is complete at the end of december, do creditfix require an annual review of my last 12 months expenditure . i am okay with it either way. also what happens at the end of my IVA . As I understand it creditfix should provide me with a closure certificate. Is that correct ?
A final review will be conducted to ensure all monies received and no extra due from final year of income etc.
The completion process takes up to 6 months in some cases and the certificate will be issued one done.
You need to do nothing during this time - your credit report should start to clear after the 6th anniversary from the start date of your iva.
Sharing from experiences of dealing with debt
There is a solution for everyone .... Just need to stay positive !
Check to make sure your default dates are back to the start of your IVA.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
I had to conduct a review a few months after my IVA was completed and I was worried as work began offering unlimited overtime for a few months to prepare for some new software - I virtually lived there
When they got in touch with me to tell me this (just before they wrapped things up for the final time) I was worried about this, that I would have to pay something as my earnings shot up and I had no choice but to submit this.
I was advised I wouldn't have to pay more "unless" there was HUGE spike in earnings. As it happened they asked for nothing and the certificate followed 3-4 weeks later. Thought you might find this useful
