Form 5 is your discharge, nells99, your obligations are now finished and you are no longer liable for any of the debts.

Many congratulations on completing your trust deed.

Congratulations on your discharge from the TD. As Kevin says you are not required to do anything further. Your Trustee will take the necessary steps to wind down the TD, distribute any funds and seek their own discharge.

Well done nells

Glad it all worked out for you. The Form 5 will be recorded with the AIB and the discharge will be official.

Hopefully the Trustee will quickly wind down the Trustee and seek his own discharge.

Mark

Well done nells99.

Completing a trust deed is no small achievement.

Best wishes for the future.

Hi nells99,
well done on completing your trust deed it must be a wonderful feeling, our end wont come quick enough. With you about being a trust deed been tough also. Like you entered it not knowing the full ins and outs.But having said that we will be debt free just about when it does end.

Hi nells99,

Well done on the successful completion of your Trust Deed.

I don't think anyone really has the intention of wanting to enter into a Trust Deed but the majority of the time due to different circumstances it can be a very helpful way of assisting someone in financial difficulty. I'm glad it was able to work for you and give you some happiness back.

As others have said, now you have your Form 5 you are free from the Trust Deed.

Good luck for the future and enjoy having the extra money! Make sure you treat yourself to something nice.

Well done Nells99. I received my form about 10 days ago so I can appreciate how you are feeling. I was four years til discharge, due to delay with PPI, I have not quite realised that I am 'free' from it now. I think it had such a hold on me - some of which you describe - that it will take a while to loosen the emotional ties. However, I did realise today for the first time, that I have only 2 years to go until the 6 years is up - and I smiled [:)]

You expressed similar feelings to those I had about a PTD and I,too, wish I had found the forum sooner.

Best wishes for a financially successful and happy future.

Hi Firewalker

That's a really good post and gives a good insight into the whole trust deed process. It's a good comment though that while it dragged on longer than expected, the time actually reduced the waiting period for the 6 years.

All the very best for the future.

Mark

thank you every one it is such a relief, looking forward to the future and so glad to have that extra cash back, i can actually plan ahead now 🙂

one thing i will say the IP company i was with were on the ball 90% of the time. so im hoping they will discharge themselves soon, as they had already done the ppi before the TD ended.

however having this forum to come on kept me going, although i may not have posted a lot, advice was always there through other peoples posts.

Nells

firewalker / lorrainek

i still find the Situation unreal also. thought i was never getting there, people around me have noticed a difference in my mood and health the past few weeks.

onwards and upward i say 🙂

thanks again everyone i will however stay on the forum right til the end of the TD !!!!!!

Nells