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by boblardo
Sun Sep 30, 2018 5:23 pm
Forum: a success story
Topic: IVA Done
Replies: 3
Views: 83703

Thanks Foggy; very strange feeling, I am still expecting a call asking for more. Glad I am at the end though its been a tough slog but I've learnt so much
by boblardo
Sun Sep 30, 2018 3:49 pm
Forum: a success story
Topic: IVA Done
Replies: 3
Views: 83703

I’ve been Fortunate enough to receive bonuses and my recent one enabled me to offer 100p/£; yesterday I received my completion certificate Massively underwhelmed but it feels amazing to be debt free My wife, whose IvA was interlocking with mine, has just 2 payments to go so hopefully she will receiv...
by boblardo
Wed Jul 04, 2018 10:35 am
Forum: Ask IVA Forum and Industry experts
Topic: Bonuses
Replies: 5
Views: 6177

Just thought i would post back as I have now spoken to the IP My IP Tells me that to get me to 100p/£ inc of fees there is £6800 remaining. They also said I have no obligation to pay my wifes IVA to get her to 100p/£, although they gave me this figure too which is £14500) As there are only 5 payment...
by boblardo
Fri Jun 22, 2018 12:26 pm
Forum: Ask IVA Forum and Industry experts
Topic: Bonuses
Replies: 5
Views: 6177

To be honest how do Interlocking IVA's work in this respect

We have 2 joint debts totaling £52692.70, i assume they are not split 50/50 although we would only pay £52692.70 in total?
by boblardo
Fri Jun 22, 2018 12:23 pm
Forum: Ask IVA Forum and Industry experts
Topic: Bonuses
Replies: 5
Views: 6177

Sorry to bump an old post but its all part of the same question My wife and I both have an IVA which interlocks. Total Debt Owed £56299.28 Payments & PPI to date = £55503.35 I am due a bonus this month that will see another £3436.31 (inc regular payment) into the IVA making the total paid £58939.66 ...
by boblardo
Sun May 20, 2018 9:55 am
Forum: Ask IVA Forum and Industry experts
Topic: Bonuses
Replies: 5
Views: 6177

I have been fortunate enough to receive promotions, bonuses and PPI refunds throughout my IVA and have read the various posts on this forum regarding bonuses but have a specific scenario that I wanted to get some clarity on My IVA is due to finish in November 2017 but I have significant bonus due to...
by boblardo
Mon Sep 04, 2017 8:56 am
Forum: Ask IVA Forum and Industry experts
Topic: Potential Windfall
Replies: 9
Views: 1033

Thanks for the replies, about £32K of this debt had already been passed to collection agencies so not sure what interest there will be! Some were Payday lenders totalling around £4K and one credit card of around £350. The other big one was Northern Rock £20K
by boblardo
Mon Sep 04, 2017 7:55 am
Forum: Ask IVA Forum and Industry experts
Topic: Potential Windfall
Replies: 9
Views: 1033

@Kallis3 - thanks for the reply.
by boblardo
Mon Sep 04, 2017 7:37 am
Forum: Ask IVA Forum and Industry experts
Topic: Potential Windfall
Replies: 9
Views: 1033

Hi, I am new here although have been in an IVA for almost 5 years. My wife and I have an interlock 6 year IVA (thanks Northern Rock), with debts totaling £56230. Along with our agreed monthly payments I havee had the good fortune to earn some bonuses which have also been paid in as well as some PPI ...
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