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Posted: Fri May 18, 2012 5:17 pm
by recovering
After reading about all the F&Fs being put forward and accepted I wondered if anyone ever dreamt they would be in the position to do it when they started out?
Posted: Fri May 18, 2012 5:22 pm
by Shining
I'm not in a position to and would never think I could be (close to the end now) but would have liked the opportunity x
Posted: Fri May 18, 2012 5:26 pm
by recovering
[:I]No I can't imagine I will either! I was dreaming [:)]
Posted: Fri May 18, 2012 5:30 pm
by Shining
It's good to dream, I dream very often about what I'm going to do when IVA payments have finished. x
Posted: Fri May 18, 2012 5:56 pm
by luluj
the only reason our IVA ended was due to a very sad loss and the inheritance I received - I would much prefer to have been still in my IVA and have my beloved God Mother still with us - but it isn't to be so have made the most of a bad situation !
Our IVA would not be due to end until September this year so we have continued to live like being in an IVA !
Posted: Fri May 18, 2012 11:33 pm
by Anna.da
i'm 3 months into my IVA and was thinking if i start saving now £30-£40 per month when we come to try and remortage at 41/2 years (which i doubt we will be able to do) i may have enough saved to offer a full and final. Even if it was turned down at least we would have some money towards the remainder of the payments. Good idea in principle but not sure we can afford to save anything so still thinking about it!
Posted: Fri May 18, 2012 11:39 pm
by kazzafunk
It's good to dream.
I hoped when we started the IVA that I would get my ill health retirement and it happened quicker than I thought. Although our life hasn't changed financially - the reduction in our income is a bit more than the IVA payment - but the 9 months in the IVA has taught me to budget and so the IVA was a godsend as I would be despairing if I had taken the retirement and still had all the debts!
Posted: Sat May 19, 2012 1:23 am
by recovering
yea the implications of IVA still scare me but pre iva i knew i woulsd still be in debt when i reached retirement age (still a long way off) and yes i dream of iva being sooooo smooth i can save!!!!! we can all dream![8D]
Posted: Sat May 19, 2012 7:59 am
by Niobe
The only way we'd be able to do a full and final is if we won the lottery and as Jan is the only one who does it now at work then it's highly unlikely!
Posted: Sat May 19, 2012 10:19 am
by dunkynuts
Remember everyone has to dream and someone has to win the lottery[:D]
Posted: Sat May 19, 2012 10:24 am
by Niobe
If Jan wins anything at work then it's between 14 of them!!
Posted: Sat May 19, 2012 11:44 am
by Shining
I hold out for the lottery but if you're not in it you can't win it so they say.
x
Posted: Sat May 19, 2012 12:25 pm
by recovering
This may be the flaw in my plan....[:)]
Posted: Sat May 19, 2012 12:31 pm
by Niobe
We'll just be happy to get to the end now.
Posted: Sun May 20, 2012 9:19 am
by Broke of London
I'm the other way...I turned down an offer to make a full and final as I don't feel I'm ready to be out of my iva yet. I haven't learnt the all important budgeting lessons so think I'd be back in another iva in the blink of an eye. [:(]