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Form 5?

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 Edzo
(@edzo)
Active Member
Joined: 5 years ago
Posts: 4
Topic starter  

Hi,

I hope everyone is well.

 

I have a question that I am hoping one of the moderators can answer.

 

My PTD ran from March 2019 and was completed 48 months later on March 2023. I received a communication from Begbies Taylor on 27/06/2023 which included a form 6, final report to creditors. I received further communication from Begbies Taylor on 19/07/2023 advising me that no creditor had objected to my discharge as per their application and therefore my discharge was therefore deemed. Nowhere in this communication is there the reference of it being a form 5? Am I missing something? Is the last communication a form 5?

 

I hope that someone can answer this question as I am about to write to 2 of the creditors to have my credit file adjusted as I am still showing as being in default. I would be a lot more comfortable in the knowledge that the correspondence that I have in hand would suffice to have this satisfy the said creditors.

 

Many Thanks.


   
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Annmarie Macdonald
(@annmarie-macdonald)
Member Admin
Joined: 1 year ago
Posts: 38
 

Hi @Edzo

You should have received your Form 5 on completion of all your payments from your Trustee.

This is your Discharge Form.  This comes first before the Form 6 and 7.

If you have not already received this from your Trustee I would ask for a copy as you may require it for your creditors if they ask you to prove your Discharge.

Debt Adviser & Forum Administrator - Ask me anything about Trust Deeds


   
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 Edzo
(@edzo)
Active Member
Joined: 5 years ago
Posts: 4
Topic starter  

@annmarie-macdonald Thank you for the clarification. I recall the trustee writing to me around the time of my completion, advising that there was a delay in processing my completion due to some systems issue. I do not recall getting a form 5. I surely would have kept this in a safe place. Given your advice, I will write to my trustee and ask for a copy. Thanks again for your advice,


   
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