Full and final ACCEPTED!!

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jpj

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Post by jpj » Thu Mar 27, 2008 5:13 pm
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After 2 years in an IVA I finally had my full and final offer accepted by my creditors yesterday!! :o)

There is light at the end of the tunnell!!

I would never have offered a full and final if it hadnt been for the help and advice I got from members of this site!! Big thanks to everyone!!

A special thankyou to Melanie for all her help.. I think i promised her an easter egg if it was accepted..but as the meeting had to be re arranged cause they booked it for good friday, I guess its going to have to be Thorntons now!! :oP

Thanks

JPJ[:)]
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Oliver

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Post by Oliver » Thu Mar 27, 2008 5:16 pm
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Excellent news. Well done and all the best for the future.
Best Regards
Oliver
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emma_t

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Post by emma_t » Thu Mar 27, 2008 5:48 pm
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Wow thats great news jpj[:)][:)]

You must be so pleased!!
Be positive & look after yourself, there are more important things in life than debts....

Best Wishes

Emma x
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jpj

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Post by jpj » Thu Mar 27, 2008 5:58 pm
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yeah...not quite out the woods yet though...I started my F+F in sept last year,and its taken until now to get it drafted,accepted etc.
It is based on a remortgage though and as the whole world has changed since last sept mortgagewise i have quite a bit of grovelling ahead of me!!

An IVA is for life..not just for christmas! LOL :o)
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emma_t

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Post by emma_t » Thu Mar 27, 2008 6:08 pm
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Didn't mean to sound so flippant with that previous post!!

I hope all continues to go well and it all completes sucessfully.[:)]

Unless a very unexpected event happens in the nest 4 and a half years I will be in it for the long haul as have nothing to raise a F&F - not complaining though as never been happier!!

Best wishes
Emma
Be positive & look after yourself, there are more important things in life than debts....

Best Wishes

Emma x
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jpj

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Post by jpj » Thu Mar 27, 2008 6:15 pm
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Your post was fine.

You never know what the future holds..lottery win,a new rich lover, etc etc.

I will kind of miss my little IVA... I was standing in the petrol que today and the guy in front of me's card was DECLINED...there was a quiet gasp from the whole que and a couple of tuts,and some well filthy looks..I thought, god that could have been me 2 years ago..I will NEVER get into that situation again.then I thought maybe I should recommend this site to him,but thought best not!! LOL
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jpj

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Post by jpj » Thu Mar 27, 2008 6:49 pm
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Thanks LadyH...I too was expecting to do the 5 year stint..and it wasnt till a year and a half in that things looked up.

Hope all goes well for you..my first 2 years flew by !
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Shining

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Post by Shining » Thu Mar 27, 2008 7:00 pm
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Excellent news ! Well done!
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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chris.g

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Post by chris.g » Thu Mar 27, 2008 7:08 pm
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That's great news, well done.
xx
It's nice to be back......
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pixie

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Post by pixie » Thu Mar 27, 2008 7:10 pm
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Well done jpj [:)]
hope the remortgage goes well

I'm in it for the long haul unless a miracle happens!
Pixie
'Welcome to where ever you are, this is your life you've made it this far, welcome, you've got to believe right here right now is exactly where you're meant to be'
IVA started may 07 ended dec 08
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angela18

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Post by angela18 » Thu Mar 27, 2008 7:19 pm
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Well done on you F & F, what I would give to have an IVA at moment, think driving myself round bend, with "What ifs?" having waves of panic
Ang.. 13 payments in.. WOW, thats over 20% paid!! http://angela18.blogs.iva.co.uk/ well here we go

if you wish for a rainbow... then you have to put up with the rain xx
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jpj

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Post by jpj » Thu Mar 27, 2008 7:23 pm
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Thanks
Im sure it will turn out ok Angela18.. I was a wreck when I was waiting for my IVA to be approved..I think I worried so much I didnt have any worry left inside me when I was waiting on my F+F. I just thought..hey ho..if i have to do 3 more years IVA so be it!
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angela18

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Post by angela18 » Thu Mar 27, 2008 7:26 pm
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you must be so happy
Ang.. 13 payments in.. WOW, thats over 20% paid!! http://angela18.blogs.iva.co.uk/ well here we go

if you wish for a rainbow... then you have to put up with the rain xx
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jpj

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Post by jpj » Thu Mar 27, 2008 7:44 pm
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Hasnt sunk in yet!
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Adam Davies

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Post by Adam Davies » Thu Mar 27, 2008 7:53 pm
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Hi
Well done jpj
Regards
Andam Davies
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