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Posted: Sun Aug 21, 2011 9:37 am
by jenstown
F+F accepted £0.09 in the pound 18/08/11 [:D][:D][:D]
To say I'm happy would be an understatement, it still hasn't sunk in that my IVA journey is finally over.
In the last 12 months this forum has been an real life line in respect of support and advice and I certainly don't think I would of got to this stage without it.
Thx everyone for all your help [:D][:D]
Still have one question though
Can you do a PPI claim after a F+F has been accepted ??
Something in the back of my mind is saying "don't bother your just being greedy, you have had your F+F accepted just be grateful.
It's also saying "Your PPI was mis-sold and your entitled to claim some monies back"
This one has really got my head in a spin [?][?]
Any advice or comments welcomed [:D]
I certainly won't be leaving the forum, have made some great friends in the last 12 months and will always be around to share my experiences and offer any advice I can
Thx again everyone [:D][:D][:D]
Posted: Sun Aug 21, 2011 9:40 am
by kallis3
Hi and well done on the full and final.
As regards PPI I think you probably are being a bit greedy in wanting to try and claim it back after the creditor has written off a proportion of your debt and I hope you're not offended by me saying that!!
Glad you're going to be sticking around - I have some excellent friends on here and also off forum, especially on Facebook!
Posted: Sun Aug 21, 2011 9:44 am
by jenstown
Hi Jan,
Definately not offended at all, I know that is the right thing to do just needed someone to second my thoughts I guess.
Thx again
Posted: Sun Aug 21, 2011 9:52 am
by Foggy
Well done on the F&F. I am not really qualified to talk on the merits of reclaiming PPI, as I don't have any to claim! But, for me, once this IVA is done and dusted, I am drawing a line under these debts and leaving them all behind me.
Posted: Sun Aug 21, 2011 11:54 am
by Tillytot
HI JENSTOWN
CONGRATS ON YOUR f&f
can i ask what your proposed pence in the £1 was for the creditors to have accepted £0.09 in the £ seems low
thanks for your help
Posted: Sun Aug 21, 2011 12:44 pm
by jenstown
the original proposal was 51p in the pound
Posted: Sun Aug 21, 2011 1:11 pm
by kallis3
That was a great result then jenstown.
Posted: Sun Aug 21, 2011 1:33 pm
by Foggy
Excellent result, especially in view of the dividend drop. Might I ask what reasons you gave for the F&F ?
Posted: Sun Aug 21, 2011 4:51 pm
by jenstown
The reason for my F+F was a change of circumstance, I now have a beautiful partner and two wonderful children[:D]
Posted: Sun Aug 21, 2011 5:06 pm
by kallis3
Lovely! Enjoy them while they are young and you have no other worries!!
Posted: Sun Aug 21, 2011 5:32 pm
by Foggy
Great stuff, Jenstown ... a new start all round.
Posted: Sun Aug 21, 2011 6:10 pm
by Shining
Excellent news and a great fresh start for you. Enjoy your debt free future. x
Posted: Wed Aug 24, 2011 5:11 pm
by julie68
jenstown wrote:
F+F accepted £0.09 in the pound 18/08/11 [:D][:D][:D]
To say I'm happy would be an understatement, it still hasn't sunk in that my IVA journey is finally over.
In the last 12 months this forum has been an real life line in respect of support and advice and I certainly don't think I would of got to this stage without it.
Thx everyone for all your help [:D][:D]
Still have one question though
Can you do a PPI claim after a F+F has been accepted ??
Something in the back of my mind is saying "don't bother your just being greedy, you have had your F+F accepted just be grateful.
It's also saying "Your PPI was mis-sold and your entitled to claim some monies back"
This one has really got my head in a spin [?][?]
Any advice or comments welcomed [:D]
I certainly won't be leaving the forum, have made some great friends in the last 12 months and will always be around to share my experiences and offer any advice I can
Thx again everyone [:D][:D][:D]
Posted: Wed Aug 24, 2011 5:13 pm
by julie68
I am thinking of making a full and final settlement, I am curently 2 years into my IVA and pay £160 per month and have 3 years to go what sort of offer do you think thay would accept?
jenstown wrote:
F+F accepted £0.09 in the pound 18/08/11 [:D][:D][:D]
To say I'm happy would be an understatement, it still hasn't sunk in that my IVA journey is finally over.
In the last 12 months this forum has been an real life line in respect of support and advice and I certainly don't think I would of got to this stage without it.
Thx everyone for all your help [:D][:D]
Still have one question though
Can you do a PPI claim after a F+F has been accepted ??
Something in the back of my mind is saying "don't bother your just being greedy, you have had your F+F accepted just be grateful.
It's also saying "Your PPI was mis-sold and your entitled to claim some monies back"
This one has really got my head in a spin [?][?]
Any advice or comments welcomed [:D]
I certainly won't be leaving the forum, have made some great friends in the last 12 months and will always be around to share my experiences and offer any advice I can
Thx again everyone [:D][:D][:D]
Posted: Wed Aug 24, 2011 5:20 pm
by kallis3
Is there a specific reason such as redundancy or illness that is making you offer a full and final?
If not then you should try and offer as close to the original dividend as possible. Where will the money be coming from?