Absolutely.
What if you were only planning on remaining for a few months more? And if you just don't have the money, or haven't passed the test?
He asked me if I intended on applying for ILR though and I said yes, later. What I understood from him was that because I was eligible for ILR, intended on applying for ILR, and had already taken the Life in the UK test that I had no grounds for applying for FLR.
He asked me if I wanted him to forward my application on to apply for ILR and for me to send in the remaining money I'd owe. I said, "Well, I guess if that's my only option." He said, "It's not your only option. You can go forward with the FLR application, it'll get denied, you will lose your application fee and then have to pay £750 for a new application." Ha!
What would I have to do to fight it? Will it really be worth it? I'll go ahead and apply for the ILR but to be honest, I'm a little worried that the mail I've saved won't satisfy them and I'll just end up with FLR but for £750. My husband doesn't think I should fight it and I should just apply for ILR. I just don't know...