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Scottish Trust Deed Forum
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Topic starter
29/10/2014 5:58 pm
Hi,
I was discharged from my trust deed over a year ago now but have just received a letter from one of my old creditors (natwest) stating that they have been unable to come to an agreed repayment plan for my debt (that was covered in the trust deed) so my details have been passed on to a collection agent. I have no idea what to do. Money is still tight in our home although we are getting back on track, it was a massive relief to finally get discharged and this is the last thing we needed right now.
Any help or suggestions are very gratefully received.
29/10/2014 7:24 pm
First of all if the debt was included and settled via TD, then there is nothing for either Natwest or the Collection Agency to pursue.
Contact them formally (email or letter) with the TD info and your discharge date and ask your former IP to contact them too.
29/10/2014 7:52 pm
Welcome to the forum Yann76.
As Diamond Chap has explained, if that debt existed when your trust deed was signed there's nothing to worry about. It no longer exists. There's nothing they can do to you to recover it.
I'm guessing they haven't updated their files. You may wish to point this all out to them so that they stop contacting you. They might ask for some proof of your discharge. If your former trustee no longer acts on this case they may feel unable to intervene so it's likely you'll need to handle this.
Qualified Debt Adviser & Forum Administrator - Ask me anything about Trust Deeds 
29/10/2014 10:45 pm
The successfully completed protected trust deed isn't something that the bank can just choose to ignore, Yann76. They are legally obliged to write this debt off and stop demanding payment from you.
I am sure they will do this - I'm sure you have only received this letter due to an administrative oversight on their part.
Scottish Debt Solutions Expert - Ask me for help setting up a Scottish Trust Deed or Debt Arrangement Scheme plan.
Topic starter
30/10/2014 10:05 am
Thanks very much for the helpful replies. I was panicking a bit and it has put my mind at rest.
I will send a copy of the letter of discharge and contact by phone also just to make sure. They do know as I never received any contact from them throughout the term of the trust deed, until now.
30/10/2014 10:45 am
This is actually quite common and the hardest part seems to be getting someone in Call Centre world to update their records! As mentioned above, if it was included in the Trust Deed then there's nothing they can do to pursue the debt apart from annoy you with calls/letters.
Hopefully sending the disharge form will bring the matters to a close.
Mark
Mark is not posting regularly in the Trust-deed.co.uk forum.
