Pretty poor service but all you can really do is make a formal complaint via Apexs regulatory body but only after fully exhausting their internal complaints procedures.

The trust deed will screw your credit rating for a full 6 years,when did yours start?

Paul

Welcome to the forum colinmack.

I can appreciate your frustration at the delay, but I'm not sure this will be affecting your creditworthiness.

I'm unfortunately in the same position. I find it staggering that after two years of being discharged this work has still not been completed, by either of the companies. There appears to be an attitude of, there's nothing you can do, just accept it. Which is very disappointing! I understand that there has been reorganisation in the company, but two years, is that really acceptable?

This must be frustrating Bampot. I think I'd just want it all over and done with also.

Hopefully this isn't holding you back in any practical way?

Not so much in a practical way, however it is an unpleasant reminder when we continue to receive statements from debt companies that our debt has been sold to. Our creditor's obviously remain unpaid and I often wonder, if our company were to go bust where would we stand? Both companies aren't doing this for the love of it. They are being paid for a service, which in my opinion is very poor! I think if I were a creditor I would be asking questions.

Hi Bampot.

They shouldn't be contacting you. If you're discharged they should have updated their records to reflect that you don't owe them anything now.

They don't always do that unprompted, but you can prompt them. Unfortunately that's outside of the scope of the work that any insolvency practitioner does for a client.

It wouldn't matter if the trust deed company went bust either. The money has to be ring-fenced in separate clients accounts and insured against loss. Even if all of that failed you've still been discharged, so you'd owe nothing.