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Topic starter
24/01/2022 11:47 am
Hi there,
I have a few questions now that I’m coming to the end and that I’ve read a couple of posts in here that I a little concern about. First of all, is that when I do come to being discharged and my trust deed company approaches my creditors about this, how likely are to object on the grounds that I have paid a contribution every month and not miss a payment, can they ask for more??
Secondly, I understand that this will still hang over me for another 2 years but is there anything I can do to help build my credit score for the future, I’m not going to be silly about it it’s thinking about a mortgage down the line.
Many thanks
David Day
24/01/2022 1:04 pm
Welcome to the trust deed forum Bdoor20.
I think it's entirely unlikely that your creditors will object to your discharge if you have completed your side of the agreement. I cannot remember this being raised as a problem here before.
This article should provide you with some good information and practical suggestions about addressing your future credit rating:
Qualified Debt Adviser & Forum Administrator - Ask me anything about Trust Deeds 
Topic starter
24/01/2022 3:03 pm
Thanks for your reply that was very help information
David Day
25/01/2022 9:37 am
I can't remember a time that a creditor has objected to someone's discharge if the trustee is reporting that they have met all of their obligations. Even if they did, it doesn't mean that you wouldn't get discharged as they would have to make their case to the Accountant in Bankruptcy as to why it shouldn't happen. If you have done everything asked of you then you really have nothing to worry about.
Scottish Debt Solutions Expert - Ask me for help setting up a Scottish Trust Deed or Debt Arrangement Scheme plan.
Topic starter
25/01/2022 1:34 pm
Thanks for that I was just thinking as reverse scenario to have not paid all the way through my TD, wasn’t sure if they could or couldn’t ask for more once the 4yrs is up. Just thought I’d ask this as I’ve found lots of useful answers that I’ve pondered but never asked. Thanks everyone for your help.
David Day
