Hi last payment made to I.V.A. (Aperture) 29 th Sept 7 long years never missed a payment how long should it take for us to get the completion letter.

hi my husband and I have been in an I v a for 3years we are both still working and intend to for another year. This year our state pension is payable is it better to defer it for a year rather than claim it, please help as we don't know what to do Thankyou

my husband and I have been paying into an I v a for the last 3 years we have at least another 2-3 years to go this year we get our state pensions but as we have to keep working would like to defer them so eventually when we do retire we get more. can our I V A make us draw them thank you