Hi There Chris1 and welcome to the forum
Firstly congratulations on nearing the end of your IVA.
You are right to ask this question as you are not 100% clear of the restrictions of an IVA until you have received your certificate of completion.
This should only take around 6-8 weeks and if you have still not received it after 3 months I would make a formal complaint.
Some IVA companies have been known to hold on to the certificate for 2 years! which is completely unacceptable.
You may be asked to sign a deed of assignment by your IVA company, this would mean that they would still have a claim on any PPI compensation you may be due but this is usual. get advice before you sign anything but this would mean you would get your certificate quicker.
I have attached a link below that will help you
what happens when my IVA is finished