Hi Bravator and welcome.

There can be reasons that relate to the activity of the client. For example:

1 - There may be assets that need to be realised (often house/car).
2 - Payments may have been missed during the trust deed.
3 - Improved circumstances that should have been reported to the trustee weren't and payments need to be caught up.
4 - The client has come into money which they did not properly report.

There can also be reasons that relate to the trustee:

1 - They will not discharge a client until PPI claims have been completed.
2 - They are struggling to close cases because of a VAT issue that has affected the whole industry.
3 - It's simply not very important to them to discharge their clients promptly.

It's probably all going to come down to the firm that you're with assuming that none of the "client" reasons that I mentioned apply to you.

The firms that post here say they normally discharge clients within a few weeks of their final payment. Sadly we hear of other firms that take much much longer.

It should only happen if you have missed payments or if there are extra payments to be made to "buy out" assets such as equity in a property.

Unfortunately we are also hearing from some people whose trustees will not discharge them until the possibility of any PPI reclaims has been investigated. However many trustees, including those represented by the experts on this forum, are happy to discharge people nevertheless and just remain in office themselves to chase up PPI.

Seems Trust Deed Assistant beat me to the punch there - and with a much fuller response!

Thanks guys, all good then as never missed payments and all ppi claims were signed and sent back and been paid to them.

That's good Bravator.

Hopefully your firm will be "on the ball" in that case and promptly discharge you.