Hi debs

Best to start it now in my opinion. Glad it seems to be coming to an end

If you have recived the consent of the creditors, then they should not be in a position to hold up your discharge. I suspect this discharge may be the quickest one ever recorded!

When this is all finaslised, give me a shout and you can be a chapter in the book I'll be writing when I retire.

Mark

Sounds good to me Mark[:)] . Will let u know how I get on thanks.

Hi debs.

People will take different views. I'd wait for my discharge before pushing things further.

It's a tough call.

I think I'd be inclined to be gathering evidence, and preparing the letter of complaint right now.

But not send it anywhere until I had the Form 5, and knew that it had been registered on the Register of Insolvencies.

It's possible that my letter of complaint might mention that I had been afraid to raise a complaint until my discharge had been registered - because I had completely lost any trust in my trustee, and was afraid that my raising a legitimate complaint might lead the trustee to delay the discharge.

Of course, that's based on my personal reaction to the information you have shared about your trust deed. You might have a different view.

Hi Candlewick thanks for reply You posted a couple of times on my problem which was very helpful. I will get it all sorted and ready to go as soon as the form five arrives, as Mark said I will probably have the fastest discharge ever known in a trust deed.

Hi quick update that's all the payments completed and direct debit cancelled just waiting to hear from my trustee. All paperwork ready to go when I get form 5 . Will keep you updated.

Thanks debs.

I hope the discharge comes through promptly.

Hi guys my last payment was October and got form five today discharged 4th November. Was really nice to get it after all the stress. Will let u know how complaint goes and thanks so much for all your help
[:)]

It's a pleasure debs.

I'm glad to hear that you can move forwards as you wish to now.

Hi guys had a letter from my trustee he has written to creditors to be discharged is that normal my last payment was October and I got discharged 4th November. It seems really fast .

Hi debs

Yes, after you receive your Form 5, the Trustee requires to seek his discharge from the creditors and that discharge takes place after 14 days if there are no objections.

The Trust Deed is then finalised when the Trustee issues Form 7 which is a summary of the funds received and spent in the period of the Trust Deed.

Mark

Oh! PS Well done.

Mark

Thanks Mark will keep you updated on the complaint.

Hi debs

Please do. I think by the end of 2013, your story and probably Pinalta's will rank as 2 of the worst experiences.

Mark