I'm taking the plunge....

Nargleblast

F & F means "full and final" as in how much will they accept to clear the debt. If you can get a lump sum from family then you can try offering them that as a full and final settlement, with any remainder owing being written off. If you are in this position then talk to your IP and see what they say.

emma-uk

magicbunn2106 wrote: »

WHATS F&F? SORRY for being stupid??

Sorry, I'm an abbreviation addict.

emma-uk

Got the paper work to sign today so duely done and back in the post. Here's hoping my creditors are quick to arrnage the meeting!!

foreverautumn

emma-uk wrote: »

Got the paper work to sign today so duely done and back in the post. Here's hoping my creditors are quick to arrnage the meeting!!

Good luck Emma, but i do not think you will need it. I think you will be raising a glass in a few weeks. All the best.

emma-uk

I have a date for the meeting! Only 4 weeks to go then hopefully I can start the rest of my life!

trudij

emma-uk wrote: »

Charco

Although BR was not an option due to my job (which I love and would not have given up!) it was not an option for me but I can see why it is for some. DMP would have taken me 12 years to clear the debt. Some may call me stupid but I could afford to make the repayments and I wanted to take some responsability for what I did and the mess I got myself into. My IVA has taught me the importance of budgeting and prioritising.

Eactly why I went for IVA too (though it wouldnt have made any difference to my job !!)

very very good luck, hope they accept !!!!

emma-uk

Well, it's F&F Eve, in less than 24hrs my financial fate will have been decided!!! Eeeekkkkkkkkkk!!!!!

trudij

Good luck !!!!!!!!

Charco_2

Good luck... tis today!

emma-uk

Duh, It's Friday at 10!! Tha's where I go the 10 confused lol!!!! IP did mention at all but one creditor has so far replied and all approved, just one more to go. It's looking positive!!