Ok. Recent court action came to the conclusion that once a Trust Deed has been closed off it can't be re-opened for PPI. A lot of firms had already taken this decision prior to the court action. Also the fact that your husbands Trust Deed was over 15 years unlikely there would be no paperwork left regarding this. The re-opening of Trust Deeds and the prospect of this was for more recent cases.

The Supreme Court in Scotland came to the decision that once a Trust Deed is closed it cannot be reopened for PPI.

If you google "Dooneen V Mond Supreme Court Decision" you will find a lot of information regarding this and from solicitors who have summarised it for everyone to understand.

i think the person i spoke to got it wrong thanks again swandog

It sounds like it. Look up the court action I mentioned. The first page on Google will be full of links to solicitors who have read the full decision and then summarised this on the websites.

i cant thankyou enough swandog you are terrific for putting my mind at rest i will let you know how i get on

spoke to my creditors they have put block on the cards my husband has agreed to make minimum payments in meantime i feel bit better just bit tired over an hour on the phone to them i cant really cant thank you so much swandog for the advice

That’s a good positive start to dealing with the debt. Communication with the lenders is key and helps. Now look into the PPI and take it from there.

thanks again swandog sorry for asking questions took your advice will let you know how i get on

You are welcome. Fingers crossed there is some PPI and you can clear the debt and then enjoy the money.

went on moneysaving expert to do ppi my self so i will take it from there big thanks to this forum and there help with my questions

seeing debt adviser 2 weeks time about a das if the das goes thru i will be debt free in 28 moths time

Hi jojo93, that's good news. As long as you are happy and are getting things sorted.

What made you decide to go with a DAS rather than the MAP Sequestration?

i just wanted to get it over with one way or another 28 months not a long time as long as my creditors agrees if they dont then it goes to the DAS administer to agree my husband is agreeing to give an x amount to my creditors i only have 2 creditors what happenings if my creditors dont agree to the proposal and it goes to the administer

I’d be really surprised if your proposal was rejected by the creditors if it’s over 28 months.

If it did go to the DAS Administrator they would consider all factors involved and could decide to reject the objection from a creditor and to allow the plan to go ahead.

As long as you are happy with the way forward you will be fine.