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Topic starter
10/09/2015 9:14 am
Well over two years since my complaint was made and still waiting for a final ruling , just as well I do not give up easily as it seems to be the plan to stall me and prevent me from getting a answer at each turn , something to hide me thinks such as the IPA not picking up on his constant charging for work never done or needed over numerous years , and being kept in a trust deed when I had paid my half share of equity and sold my wine cellar , plus paid in cash , all for him to draw fees , use money from the trust deed to pay his legal costs when argueing against reduction of fees by the AIB when he had no right to do so , karma payback will catch him up sooner or later .
10/09/2015 9:18 am
Hi pinalta.
I think you wrote previously that the IPA committee had a response from the insolvency practitioner concerned at the end of July and were in a position to reach a final decision?
This is all taking an extremely long time. It does seem as though there might be a lot going on in the background here - though that is of course pure speculation.
Qualified Debt Adviser & Forum Administrator - Ask me anything about Trust Deeds 
Topic starter
10/09/2015 9:42 am
Because of him I have to sell my house as no mortgage company will look at me until I have been discharged for at least 3 years .
It has been my home for nearly 49 years , I remortgaged to pay my share into the trust deed back in 2006 , by rights after paying what I was due , my discharge should have been 2009 not 2014 , sick to the back teeth of the whole thing .
Topic starter
15/09/2015 4:24 pm
Heard back from the IPA today , the final determination is still to be reached even though a principal decision was reached on the 19th of may .
My trustee launched his defence and this was heard in August , I have asked twice what was the principal determination but have been ignored with all the skill of a government minister avoiding a awkward question .
Reading between the lines if he had to lodge a defence no matter the determination then possibly there was something found against him , how the IPA could ignore constant overcharging for work not needed or done over many years along with information gathered of such under the freedom of information act surely points to attempted fraud and false accounting on a huge scale , its about time the AIB in Scotland done something about him to .
15/09/2015 10:12 pm
Hi pinalta.
It doesn't sound like it will be much longer before you get a better understanding of what's been happening.
Qualified Debt Adviser & Forum Administrator - Ask me anything about Trust Deeds
Topic starter
18/09/2015 8:48 am
Was putting the feelers out with insolvency lawyers regarding my case all would be unable to assist me should the IPA find misconduct regarding the running of my trust deed .
They said as they had worked for the firm concerned , it was a conflict of interest , now given that I got the firms names from the law society it seems that even if you have proof of wrong doing it would be very difficult to find a firm to represent you .
I would like to thank one firm in particular , who do not wish to be named for looking over my complaint , they have indicated that threating me with a act of reduction for 8 years but taking no action is harassment that could be seen to keep me in the deed to maximise fees rather than for the benefit of a greater return for creditors .
Telling me a offer of composition is not valid , whilst doing so for another client is obvious neglect to myself and creditors and preventing me from using a clause written into the deed , therefore dening me my right to do so . This is blatant disregard for the wishes of the creditors who accepted my offer , and a breach of the terms of which a trustee must act under .
Given that the offer was made using the statement of affairs provided by the trustee , and it was then found that the sums did not add up , would warrant further auditing .
I could go on and on , but this is a small snapshot of the advice which was given to me , TDA I know this site does not go into the legal side of things , but I thought it was worth sharing .
They summed it up by saying , it looks like you have been kept in the deed after meeting your obligations from the very start in regard to your half share of equity . Due to this when you expected to be discharged in 2009 , you were met with legal threats which were never carried out , nor had any legal basis .
