Hi nano1019.

I'd just call/email your trustee, check your final payment has been made, then cancel the standing order.

Congratulations on reaching the very final stages.

Hi nano1019,

Well done on reaching this point and successfully completing your Trust Deed.

As TDA has advised your best to contact your Trustee to confirm the final payment and that you can cancel the standing order. You also need to ask them how long it will take for them to send your Form 5 certificate of discharge. This is effectively your full discharge from the Trust Deed and also your debts. To give you an idea, my firm Wylie Bisset try to provide this to a client within 4-6 weeks of their final payment.

Let us know how you get on.

Hello There

Thank you for your quick response It's very helpful certainly I will phone the trust deed company up and asked them..and of course I am going to update here..

Thanks again

That's great nano1019.

I hope that you get the news you're expecting.

Congratulations on reaching what looks like the end nano1019!

Hello There again

Just a wee update I have phoned my Trust deed company as you advised and I have been told that I am going to receive the form 5 certificate around 5-6 weeks it depends how busy they are and I am able to cancel the direct debit now..
Thank you very much for your Congratulations and Thank you for your help..It was a long journey but I've learnt a lot..

That's great nano1019.

Best wishes for the future.

That's good news nano1019.

Let us know when you receive it and best wishes for the future.

Hello there again

Today I have been received the Form 5 ..Letter of Discharge of debtor..after 3 weeks I have been made my last payment.I am so so happy..
Thank you very much again your help and your wishes
All the best!!

Fantastic news! Well done again.

Best of luck for the future and enjoy being debt free.

Hi There

It's me again..I am sorry to ask your help again I am just wondering that I have rented out a flat and the agency did a credit check and my credit file was showing the discharge from trust deed.However I have got the flat I just do not know Is it a good or bad thing?I mean if my credit file already showing the discharge..
The other question would be ..How long the AIB hold my record?
I hope did not ask stupid things..

It's got to be better if your credit rating is showing a completed Trust Deed rather than one that isn't yet finished. I guess it may still cause you a few problems but that's great that you got the flat you were going for.

Hi nano

The AIB register will display your Trust Deed for one year after the Trustee has been discharged.

The Trust Deed will show on your credit reference file for six years from Signing Date.

Your individual credit accounts will display for six years from the date they have recorded. That date should match the Trust Deed signing date so all records fall off at the six year mark.

Hope that helps. Great news you got the flat!

Kevin ,Firewalker Thank you for your quick response I really appreciate it.Yes I am very happy with the flat..start a new life to be honest and I will try to build up my credit rating..
Thanks again and All the Best for all..