I think you have a right to expect that the outstanding matters be dealt with as a matter of urgency, steven26784 - if it has been 12 months already then I'd say you could reasonably expect it to be dealt with very soon.

Thank you Kevin. Any advice on how to expedite resolution?

Hi there.

Is it the case that you have been discharged and your trustee has not, or have you received no confirmation of having been discharged from the trust deed?

When did your trust deed begin?

My trust deed was signed on the 25th May 2008. I have a discharge letter to indicate that I have been discharged.

Im not sure if the Trustee has been discharged or not. But since they say the file is still open then I guess not.

Have you come across this before?

It gets worse.....I have just registered for Experian (in addition to Equifax) and it has got one particular account which has default every month for the past few years.

I signed my trust deed in MAy 2008, finished it 12 months ago and I am still being actively marked as default on my credit file.

Can anyone advise if the fact my case is still 'open' even though I have a discharge letter be the cause of this default?

Not being discharged doesn't stop you getting credit. They should have told you about chasing PPI. I had a few conversations with my trustee about this because I was never mis-sold. Tell them you want a date and if you don't get it, you'll report them to the AIB.

If they're chasing PPI but haven't paid your dividends, that might be why everything is showing as active. Write to them and get the dates corrected, it should knock some time off the 6 years.

Some of my creditors have marked my debts as satisfied even though I have been discharged but my trustee remains in office,and some lenders dont update records until the trustee finally splits up the cash,makes payments to all then discharges himself!!

As for not getting credit that simply is not true.

Paul

I thought I was bad too. Paid my last payment just over three months ago, didn't know they were going to chase PPI until one month ago, told them there was no PPI, put it in writing and still waiting. I have been discharged (although I had to annoy them for it), but still waiting for them to discharge themselves. If you have proof of when you told your firm there was no PPI, ask them how much they have charged in fees (if any) since then and write to your creditors and let them know. Those fees should be refunded to the pot as a PTD should be for the benefit of the creditors and not the trustee's firm. It's a disgrace how firms drag their feet on discharging themselves. For anyone starting a trust deed, one question that should be asked before signing is do they charge a set fee regardless of chasing PPI, etc. Get it in writing. If their fees are set, then they would be more than likely to "get you out the way" asap after your final payment. I will be asking my trustee for an itemised bill of their fees. I 'phoned the listed creditors myself, for free, to confirm no PPI.

My td firm assure me that the chasing of ppi will be done and dusted and they expect my trustee to discharge himself by august. What's silly is they won't get a bean through ppi as we are 100% positive we didn't take any.

Paul

Dear Steven26784

We apologise for the delay in finalising your Trust Deed.

The Institute of Chartered Accountants Scotland has provided guidance on how we should proceed with PPI reclaims. The guidance states that we are to ensure any potentially miss sold PPI claim is investigated. Any compensation due is an asset and the Trustee must recover it for the benefit of the creditors. As your Trust Deed provider we were unable to proceed until we had clear guidance on how to do so. Unfortunately for clients like you who's Trust Deed came to an end in the past few months; there will be a delay to your final discharge whilst we complete the PPI review process.

I understand that that after all the hard work in making your agreed contributions, this is frustrating for you as moving on from the debt is a big step. We are now working through all our potential PPI claim reviews as swiftly as possible, and apologise for the delay in discharging your debts. We do anticipate this process will be completed shortly and will be able to confirm your Trustee's discharge.

Once your Insolvency Practitioner has been discharged from your Trust Deed then they will notify all your creditors, who in turn should then update your credit file. As some of the posters have already mentioned it is worth sending a copy of your discharge certificate to your creditors as some may update their records from this information you can provide. It is certainly worth writing to creditors who have registered information on your credit file after your Trust Deed was protected.

Thank you