Hi Gandalf and welcome to the forum.

It's always best to contact your Trustee to discuss your case before cancelling any payments. If you haven't had a response to an email then you could always try giving them a call. When did you email asking for an update?

I'm not sure about the additional payments to cover a fee. Normally a case is extended beyond 3 years to pay over any asset value such as equity in a property or the value of a motor vehicle. Do you think the extra payments could be in relation to something like this?

Welcome to the forum Gandalf,

Further to David's comments, is this extra fee a sum of £500 in connection to a property that you own and which did not have any equity in it when you were sequestrated?

Thanks for your quick responses. Yes, the fee was for £500 each, so that must be because we have a bought home. I have had a reply email now today, stating what's left to pay each, and that we can cancel the standing orders once complete. The end (or the new beginning) is in sight. However their calculations aren't matching mine. There were 5 months where they agreed we could lower our payments, due to a difficult situation we had, instead of paying nothing at all they suggested we pay £10 a month for those months. so should this £50 each be deducted from the total? we have both paid 36 months as I say, and are completing paying the final fee, however going by the email response from them, I think this £50 each has been dismissed somewhere.

Trying to get my head around this, Gandalf.
Have you paid 36 months, of which 5 of them were at £10 each per month? Or did you have also have to pay extra contributions to make up for the lower payments for those 5 months?

Hi Kevin.
No, we both have paid our full 36 months at full payments. The 5 months midway where we asked for a break, they recommended paying £10 a month rather than nothing, so those 5 months were on top of the 36 months, which is £50 each so I assumed that would go towards the additional fees we are paying at the end. Everything is fine now anyway, as I checked over everything and I hadn't counted it up right. So we are clearing everything in the next payment, then they told us we can cancel our standing orders. A great weight has been lifted...and many a lesson learned [:)]

Hello Gandalf.

I'd have usually expected that the additional £50 would have counted in some respect, but it's great to hear that you're happy and that the figures you're looking at now make more sense to you.

Congratulations to you on reaching the very final stages and best wishes for the future.

Good stuff, Gandalf. An appropriate name if you feel the experience has made you wiser!

They have told me there is no formal letter which is sent from them to us to confirm we have finalised our sequestration, and that we are to write to the office of the accountant in bankruptcy ourselves and apply for our certificates of discharge....is this the normal procedure with sequestration? I keep reading about people receiving something called form 5, but am guessing this is to do with a trust deed and not sequestration.

Hi Gandalf.

You are correct - Form 5 relates to debtor discharge from trust deeds.

If you go on the "Register of Insolvencies" (online - via the Accountant in Bankruptcy website) you'll be able to view and print-off confirmation of the status of your sequestration.

You could of course write to the AIB as well.

I rang AIB and paid £11 for a copy of my discharge certificate.

Now I'm confused. We paid £11 each after the first year and received certificates of discharge then. So is this all we are to receive? We thought there would be some more paperwork to get.

Also, what rights does the trustee have over our home etc? Is everything back to normal in that respect?...as they say we won't be receiving anything formal from them.

And finally, they say there are still ongoing investigations between them and our creditors, which our names will remain in correspondence with. We are receiving letters from an affiliated debt company with them, wanting driving licences etc sent out for proof of who we are for the ppi, we just want to be done with it all, and can someone explain...how can you claim back ppi off companies you are unable to pay your debt back to?....who gets that money? We aren't getting it, and why would you claim it back off the creditors to pay it back to them?...we had a letter from one which said around £600 had been rewarded in ppi....but we are curious as to what exactly happens with that money. We have no interest in the ppi, infact I would feel morally wrong about receiving any money from creditors, whom I have not been able to pay back. Just wondering how the ppi thing works as it has never been explained.[?]

That makes sense Gandalph, you'll have been discharged after a year even though you had contributions remaining.

It doesn't sound like they have any interest in your home? I'm sure this would have been raised a long time ago if they did.

Proceeds from any PPI claims will go to your creditors. Those that did not mis-sell will benefit to the expense of those that did.