www.iva.co.uk

I will shortly have paid full amount of "admitted" debts back into my plan, what is the chance of these unclaimed debts being submitted in this final few months.
I have been through four and a half years of paying substantial amounts each month and just beginning to get excited

The creditors who have not made a claim will be given a final chance to do so. Although you might have paid in 100% of the admitted debt, the IVA will continue until you pay over 100% of the full debt, plus fees and possible statutory interest, or to term, so don't get too excited yet.

You are pretty close to ending anyway