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Topic starter
06/01/2017 12:50 am
Made final payment to Creditfix in November .
I had overpaid and have already received that money back.
Just waiting on the Form 5.
For me it has been a long 4 and a half years so I don't believe it
Is actually finished.
Creditfix have been helpful since they took over my trust deed and
Stuck to the equity position as they said .
May call and ask about this final form
Thanks to all on this forum particularly Mark McFadden
and TDA for all the help in the beginning and a big thanks
To Creditfix also.
06/01/2017 8:19 am
Congratulations on finally getting there, ann910. I'm sure you won't have to wait too long until that form 5 is in your hands and you are officially discharged.
As a matter of curiosity, are you planning to start saving a bit of the money you were paying to your Trust Deed each month? I always think this is the perfect time to start given that you are used to managing without that money - even just a fraction of it put away can quickly build up into a useful contingency fund.
Scottish Debt Solutions Expert - Ask me for help setting up a Scottish Trust Deed or Debt Arrangement Scheme plan.
06/01/2017 9:36 am
Hi Ann,
Well done on reaching this point and successfully completing all of your payments.
I would chase up your Form 5 as the sooner you receive this the sooner you are fully discharged and can start to move forward knowing you are completely debt free.
Kevin's suggestion is a good one about using the money you were paying and putting they towards savings and something I try to encourage my clients to do. Before you do that perhaps enjoy the money for the next couple of months and treat yourself, a holiday or a weekend away perhaps or even just a night out. Spoil yourself especially it's been a tough couple of years.
All the best for the future and let us know when you receive the Form 5.
David is not currently posting in the Trust-Deed.co.uk forum
06/01/2017 6:37 pm
Its a huge relief when you finish, I have finished mine a few years now and have only just been able to get a loan from my bank...got it to try and boost my credit rating, lets see how it goes.
Topic starter
07/01/2017 12:08 am
Thanks for the advice . I will definitely start saving some of it .
I will try to chase it up in the next week or so.
It's certainly a relief .
Will let you know when the form is through.
Thanks again
07/01/2017 12:53 am
Congratulations Ann!
I hope you get your Form 5 through very quickly.
New year, new start [:)]!
07/01/2017 7:47 am
Well done ann910.
I'm glad you've reached the end and that the earlier change of trustee did not affect your progress.
Best wishes to you.
Qualified Debt Adviser & Forum Administrator - Ask me anything about Trust Deeds 
Topic starter
13/01/2017 12:56 pm
Thanks everyone.
I got the Form 5 this morning from Creditfix.
Very quick. Still can't believe I'm finished
13/01/2017 3:35 pm
Great news ann910!
David is not currently posting in the Trust-Deed.co.uk forum
13/01/2017 5:01 pm
That's brilliant ann910.
Enjoy your weekend!
Qualified Debt Adviser & Forum Administrator - Ask me anything about Trust Deeds
13/01/2017 5:08 pm
Well done ann, i have mine to look forward to now my final payment is here..
