Pile Of Doughnuts?

Hi,

I think your Trustee is referring to a POD as a Proof of Debt which is what Santander will claim is their balance and how much they are owed.

Why they need this before providing you with your discharge I don't know.

Ask them to clarify why they cant discharge you without it.

David is right, you need to get them to detail their exit procedure. But most importantly you need to get them to distinguise between claiming this is a legal requirment or an internal procedure. This will have a large bearing on any future events that may happen in the 8 months. You must get them to clarify if they are claiming this to be legal or procedural.

Remember there is a difference between the Trust Deed being closed and you being discharged. Whilst the issue with Santander may well delay the former, there is no reason why your discharge cannot happen sooner.

As David says, best speak to your contact at your Trustee firm for clarification.

what's the main difference between discharged and closed ref any windfall not that I think I,ll get any.
If I,m discharged an win £20000 on lottery (o how I wish best so far £8) do they still chase me for more as I,m not getting anywhere with them, ref redundancy things slightly better now as most redundancies are over for now I hope

What I would do is get another bank account and transfer everything over to that and just ignore them. I would also be on the phone to them daily and just be a right royal pain in the %$^&.

Hi maverick267.

If you haven't been discharged a lump sum that you receive is likely to be at risk I'm afraid.

I'm glad that redundancy has become less of a threat.

Hi Sold down the river.

You've crossed a line there.

If you can't write responsibly here you will not be able to participate in the forum any longer.

Sorry TDA, just starting to get me angry that these firms are allowed to make the rules up as they go along. We have kept to our side of the bargain now its their turn to keep to their side, is that too much to ask. It would appear so where creditfix is concerned.

Just a quick question, if you do not have your form 5 does that mean you are still under restrictions with regards to income etc. For example 2 months after you have finished your 36 payments you get a payrise what happens then?

that's what I thought TDA guess its going to be a long year ,till I get discharged.
trust deed last payment april 2013 equity paid april 2015 not sure how i am going to keep going no pay rises so they cant get that not sure why they would hound me for that though not a lot of interest from them as its taking 3 days minimum to get an email answer ,not ringing them from work too noisy

Income is different Sold down the river (once the debtor has completed their obligations).

Now, my turn to ask you a question. I've been meaning to ask you for months!

Why did you create this username (who's so commonly angry or cynical) when your original username had so many positive things to say about your personal experience?

It all seems a bit odd to be honest.

Apologies to everyone else who won't know what we're talking about.

Hi TDA, mainly because the whole trust deed procedure was turned on its head and the more i looked the more i find so many issues with it. I am still so angry that PJG sold us on then washed their hands off us. The whole experience hasd left a bitter taste in my mouth. I still cannot get my head round the fact that we can be sold on with no questions asked. I really am trying to stay positive but the more I hear the worse i fear all is not going to end well.

Do not get me wrong if this all ends well then I will be the first to apologise. But I still think the trust deed procedure needs tighning up in some areas. And yes the trust deed is fantastic if it all goes smooth but there are so many loose ends for it to go wrong and what has happened on this forum has highlighted this all too well.