Think of it as a Bum doesn't know what the Elbow is sort of situation! I think it is down to total disorganisation and disregard for the OP as a person rather than just a case number. Some firms are great, the majority though need to work harder at customer care and closures especially need to be made faster as this is seen by the OP as the final nail in the debt coffin.
Mine took 6 months.
Last Payment made 04/12/14. Completion Certificate 25/7/15. IVA company GT. No Issues