No I paid what I signed up to over 36 months. I had no ppi to claim or any assets of value. My Job is well paid but I am about as high as I can go in my salary so no increases. Creditors were asked and accepted the early trust deed payment.

Lucky you kdog7......my situation same as yours no ppi, no assets, good job etc....Wonder why they just wont take 3 month payments at a go (My family also happy to pay up for me)

Enjoy your new found freedom

Hi sigario.

I think some trustees just take the view that it isn't appropriate.

One possible reason is the potential for detriment to your creditors if you came into money after discharge but before your expected discharge date.

I appreciate that it's confusing when trustees take different views.

Thanks Trust Deed Assistant

Well done kdog7, would you be able to confirm who your TD was with? It would be interesting if users of the forum were aware of various companies who had accepted/rejected such requests in the past. Personally, I'm asking as it is something my family and I have discussed and I wonder if Wilson Andrews would welcome an approach.

Hi TimeLord.

I'd think individual circumstances are likely just as important as the wider view of a trustee. They have a duty to do their best for the creditors.

So a trustee who generally says no might say yes to you. Or a trustee who generally says yes might say no to you. Circumstances are bound to come into it.

If this is something you'd like to do, and have the means to do, I'd just ask Wilson Andrews directly and give them the best reasons you can (for your creditors) why they should support your request.

Hi TimeLord

We'd be happy to discuss this with you should be in position to offer a Full and Final settlement.

If there is additional information you can provide about your circumstances to support the offer then your Trustee will take this into consideration and providing your offer is seen to be fair and reasonable then your offer would be put to your creditors.

Ultimately your creditors decide whether they are willing to accept the offer or not.

You can find our contact details in the 'contact us' section of the our website if you'd like to discuss this.

I hope this helps.

Sarah, thank you for your response. I shall discuss this further with my family and be in touch.