What does final review consist of ?

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cw82star

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Post by cw82star » Tue Jan 05, 2016 8:25 am
Hello my last payment is due in January, my IP said they will do a final review, what does this consist of exactly?
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kallis3

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Post by kallis3 » Tue Jan 05, 2016 8:53 am
It is just to make sure that you have made all your payments and there's no extra (such as overtime) to be declared and paid across.

Nothing to worry about.
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.
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Michael Peoples

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Post by Michael Peoples » Tue Jan 05, 2016 9:08 am
Jan is right and well done for getting to the end. Great start to the New Year.
Michael Peoples | McCambridge Duffy Insolvency Practitioners
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If you would like to talk to me about proposing an IVA or have any questions at all please visit www.mccambridgeduffy.com
 
 

cw82star

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Post by cw82star » Tue Jan 05, 2016 12:15 pm
Thank you, it's a great achievement! Will they ask for wage slips or anything, only I left my job in December, single Mummy to 2 kids age 2yrs and 4yrs, as was struggling juggling work etc, and I've gone on income support, but haven't told my IP cause I've heard they would fail me, but I only had 2 payments left, my Mum kindly paid it for me?? I really don't want to fail after putting so much effort into repaying, and advice would be great!
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Michael Peoples

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Post by Michael Peoples » Tue Jan 05, 2016 12:17 pm
Your IP would not have failed you with two payments left so just tell them what you have said here. The IP will want to see wage slips to ensure any overtime was properly provided for but show them evidence of your income support and that should be that.

I hope you get your completion certificate soon and can move on.
Michael Peoples | McCambridge Duffy Insolvency Practitioners
http://www.mccambridgeduffy.com
If you would like to talk to me about proposing an IVA or have any questions at all please visit www.mccambridgeduffy.com
 
 

kallis3

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Post by kallis3 » Tue Jan 05, 2016 12:32 pm
Agree with Michael - they won't fail you especially when the payments have been made very generously by your mum.
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
 
 

Lisa Thomas

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Post by Lisa Thomas » Wed Jan 06, 2016 9:10 am
You'll be fine - good luck and well done!
I'm a licensed IP with 16+ yrs at Neville & Co covering the South West area. I have a YouTube channel with advisory videos on here: https://www.youtube.com/channel/UCMPTTu ... Z5k9ZcC2MA http://www.nevilleco.co.uk 01752 786800 Lisa@nevilleco.co.uk
 
 

cw82star

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Post by cw82star » Wed Jan 06, 2016 11:56 am
Thank you!I emailed my IP simply asking if I need to provide anything, I didn't mention my current situation if it wasn't necessary, and she replied saying 'no, I don't need to do anything, and to expect my certificate mid Feb'

Phew!

I cannot wait for this, it's been a long ol' journey, but glad I've been able to repay some of my dues :-)
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kallis3

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Post by kallis3 » Wed Jan 06, 2016 12:10 pm
That's great news! Well done.
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
 
 

Shining

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Post by Shining » Wed Jan 06, 2016 3:40 pm
That is good news and hopefully that all important piece of paper will be winging its way to you very soon.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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