Hi, just a quick question re annual reviews.

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Andrewd77100

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Post by Andrewd77100 » Fri Jul 15, 2016 7:43 pm
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Hi, just a quick question re annual reviews. At the end of my IVA am I required to submit an annual review? I obviously will submit an annual review at the end of year 5 to cover the final year. However, I am wondering whether at the end of year 6 I will be asked to submit a separate final review.
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Foggy

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Post by Foggy » Fri Jul 15, 2016 9:23 pm
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If you have an extension in lieu of equity year 5 will not BE your final year and you will have the final review at the end of year 6.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
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Helen.k

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Post by Helen.k » Sat Jul 16, 2016 8:00 pm
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I didn't have a review at the end of my IVA, the last I&E I had to send was at the end of year 4
getting there ....

Got there!!
IVA started 27/10/2010
final payment 27/10/2015
CC received 6/5/16
Off the register 5/8/16
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Foggy

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Post by Foggy » Sat Jul 16, 2016 8:22 pm
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font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by Helen.k

I didn't have a review at the end of my IVA, the last I&E I had to send was at the end of year 4
As we know in an IVA ... what should happen and what does happen isn't always the same !
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
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lifenoteasy

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Post by lifenoteasy » Sat Jul 16, 2016 9:03 pm
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As Foggy says.

Due to a combination of circumstances we only ever had 2 reviews during the life of the IVA and when it came to the end it seemed like they could not get rid of us fast enough.

I am not complaining - either way the stress was always there and the constant feeling of looking over your shoulder.
IVA started March 2011, Completed March 2016 and certificate issued 11 days after final payment. It was not always easy but then some of the best decisions aren't.
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