Welcome to the forum paul69uk.

I think it might be the bank that's missing something here.

Perhaps they're confusing the matter with the "Completion Certificate" which accompanies the end of an IVA south of the border?

Might be worth quizzing them to see if this is the root of the problem.

Hi paul69uk,

I think the bank may well be getting a little mixed up with the different types of plans i.e. a Trust Deed, Sequestration and an IVA.

Your official confirmation of discharge is your Form 5 and what can also help is the covering letter from your Trustee enclosing this.

I think you will need to speak with the bank again to see if they are mixing up the different options.

You will need to stand firm on it with them and perhaps ask to speak with someone more senior about the issue if the person isn't prepared to accept your Form 5 as confirmation of your discharge.

Hello TDA & David,

This is a Scottish bank reminding me of the river Clyde. So I have never asked this question as I assumed they know how Scottish TD works solely because they are a Scottish bank?

Thanks for your help on this. I will tell them what TDA & David said, as they are not seem to be grasping the concept of TD.

My Trustee was Mark McFadyen who unfotunately left this forum, but I have very good memories of him helping me into and throughout TD.

Paul

Hi paul69uk,

I wouldn't assume the bank know exactly what they are taking about when it comes to Trust Deed's. They often confuse a Trust Deed with an IVA or with a Sequestration when it's not.

Banks deal with millions of customers and only a small proportion have Trust Deed's so it's not something which they will automatically know the answer to. They will probably have general guidance on it and the person you are dealing with will be going by that.

Like I said best to speak with them, tell them that in a Trust Deed the formal discharge of a debtor is when they receive their Form 5.

Hopefully possible to sort this out fairly soon Paul.

It certainly seems like there's a misunderstanding somewhere.

Hopefully you might get to speak to somebody different next time who is a bit more clued up.

The bank you are referring to is now actually part of an Australian group - not that that should make any difference!!

Thank you both. I know, they are using Australian email address.