Hi Mac

That is very disappointing for you. If your TD was signed after April 2008, there should be no delay for your discharge, even if they are dealing with PPI. The Trustee can discharge you, even though the trustee will not be discharged until the PPI is sorted.

Hi Shona
Thanks for that- I phoned GRANT THORNTON today to raise my concerns and was first told there was no way of saying how long the discharge would take....I mentioned I was on this site and guess what...? My trust deed dischsrge is in the post ?? I am furious and grateful at the same time- what can I do in terms of a formal complaint?
Thanks
Mac

Hi Mac.

I guess the first thing to say is that I'm very pleased that your trust deed discharge is now on its way to you. I'm sure that you're pleased and relieved after having met all of your commitments to the trust deed over the past years... congratulations.

It's a bit of a first to have someone report that the threat of publicity on this site led to a change of heart at a trust deed firm! I'm not sure what to think of that really!!

Maybe it's worth taking a pause before deciding to make a complaint? I can completely understand why you will have been frustrated by this delay, but I think you wrote previously that the firm concerned showed some flexibility after all of your hard work on the issue of releasing equity into your trust deed. To be fair the firm are also one of those that is rarely referred to negatively here.

That's clearly one for you to weigh up though. The usual process for a complaint, if that's what you want to do, is initially to write to the Trustee him or herself to give them the opportunity to look into the matter and take steps to put things right if they consider that to be approrpriate.

That aside... will there be a celebration?

Hi
Yes its feeling great to be finally at the end of the road - when the discharge arrives this week I will celebrate then....just being cautious till then! Thanks to this site...as you say it was the negative publicity that led to a sudden decision to send me the discharge letter...that isn't fair or right but I guess everyone makes mistakes and as you say GRANT THORNTON up to this point have been very helpful so to be fair to them if the discharge comes through as promised this week then I won't complain...Cant wait to have it all finally over...Watch this space. Mac

Oh lord I wish I was at the point to be able to worry about discharge!!
It seems endless years away!! Especially at Christmas time!! The extra is a real worry, how I hate not being able to treat my fantastic boys to the things they would like!!
Paying back what you owe is right but so hard.
Be thankful for getting to the point of discharge, there are so many of us still living hand to mouth to do the right thing!

I know exactly how you feel Rach68 but we'll eventually get to that stage as well. As you said it is the right thing to do and I have no regrets about going into a Trust Deed. It is hard but it'll definitely be worth it in the long run and this forum is such a great source of support when you know that everybody has gone through a similar experience and can relate to how you feel. Chin up, you and your boys will have a lovely Christmas, it's amazing what you can do when you put your mind to it.

Thanks jingles
I know I'll get there in the end and really am happy to be doing the right thing for my creditors, it's just so hard at times like Christmas knowing I can't give my young boys the things that they want or need. What's hardest is knowing they don't ask for things because they know the score, I have always been totally honest with them, I can't give them stuff!!.
I know it'll be my turn in the end, just seems so far away, however this site and the people on it really keeps me going.
Thanks for the words jingles, I really appreciate it:)

Your boys are such stars for understanding. It's hard because they'll have 'but why???' moments every so often. Once you're through the trust deed, you can spoil them a bit. Say to them they can each pick something for 6 months from when the deed is complete. That way you can all see it as a discharge treat. I told my boy that we'll go to visit my brother in Holland after I get paid in January. My last payment goes on the 1st of January so that'll be my first full wage.

It's just so hard at times like Christmas knowing I can't give my young boys the things that they want or need. What's hardest is knowing they don't ask for things because they know the score, I have always been totally honest with them, I can't give them stuff!!

I know how hard it is to say no but I think you've been really brave and very sensible to be honest with your boys, they'll realise you've done them a favour in the long run and just think how good it will feel once you are discharged and you can spoil them a bit without worrying.

Well done Gillian, you must be so pleased that you're looking at your last payment in a couple of months, I cannot wait for that day to come but in the meantime I'm happy to keep plodding along!!