Hi alexg2912

I assume if you were discharged 3 years ago, then your trustee will also have been discharged. If this is the case, then any PPI money would go to you. If your trustee is still in place then the payment would go to them.

Mark

Im not sure if they have been discharged Ive had no contact with them they have actually changed their name and location from Addie Solutions Aberdeen to Credit Clear Derbyshire

Sorry Mark why would the Trustee still be in place?

Hi alexg2912.

I think it might be CreditFix rather than Credit Clear.

A trustee will sometimes remain "in office" to deal with matters that they can carry on with after discharging you. This is commonly done now so that a trustee can make PPI claims to increase the amount available to creditors once the contributions have been completed.

Please be aware that some financial institutions have taken the view that they can retain a PPI payment to set-off against an old debt that was included in a trust deed.

Sorry it was Clear Debt it wasn't the trustee that made the claim and the PPI was for premiums paid prior to the Trust Deed I am just totally confused I was not aware of the Trustee and the letter I received from the company involved clearly states that I would receive the compensation in full and final payment

You should check the Register of Insolvencies to see if your trustee has been discharged, alex. As Mark says, if they haven't then they will get this money in order to share it between your creditors.

It is precisely because it was from a period prior to the Trust Deed that they can keep this if they are still in office - the PPI was basically an asset that existed at the time you entered the Trust Deed and by signing the Trust Deed you made this asset available to them.

i checked the register of insolvencies and can find no record of my trust deed nor my trustee

Hi alexg2912.

You're right about Cleardebt - apologies I'm not sure why I mixed that up with the other firm I mentioned previously.

Not being on the register of insolvencies seems like a pretty good sign. It seems unlikely that a trustee would remain not discharged so long after you have been.

A year after a trustee is discharged a case would no longer show up on the register.

Thank you for that I had never even heard of this firm the firm I had my trust deed with still exists and still practices in Aberdeen and they are not on the record of insolvencies

The Firm was Adie Financial Solutions

Just been informed Adie went into Administration and Cleardebt took over and were discharged but that did not include assets at time of trust deed Northern Rock have advised Cleardebt that PPI Will be sent to them is this proper procedeure

Hi there.

If Northern Rock are aware that this trustee has been discharged from your case I don't know why they'd send a PPI payment there.

They may be being risk averse. If they paid it to you, and then it turned out that it should have been paid to your trustee, they could be on the hook to have to pay it out again.

If it's sent to your trustee and they have no claim on the funds I'd expect that they should forward it to you.

what should be my next course of action I am at a loss I have had nothing from we fight any claim ?

Hi alexg2912.

We've no real expertise in the world of claims management, it's a very different subject to personal insolvency or debt advice.

I can only really advise you to keep badgering the claims manager you used and/or Northern Rock.