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Scottish Trust Deed Forum
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Topic starter
22/09/2014 11:43 am
Hi all, just looking for some advice. On Friday I will be making my final payment of my 3yr TD. Due to derering two payments it works out that I have paid 38 payments.
I called my advisors and they told me that they will need to send me a mandate to sign to check for PPI, is this all they will need?
I am slightly concerned as my wages are now higher than they were when I signed 3 years ago due to cost of living increace, could this prove and issue?
22/09/2014 12:54 pm
If it's anything like the end of my TD, they won't be looking into your bank account any more although I believe some firms do a final review. Unfortunately, you seem to be with a firm that waits till the end of the TD to look into recovering any PPI, instead of doing it during the length of the Deed. Keep on their backs so it doesn't take any longer than it needs to.
Glad that's over with....
22/09/2014 1:39 pm
Welcome to the forum Idizun.
Further to upstream's comments, you might want to contact your trustee to see if they do a final review and what they'll require from you.
If your pay has only increased in line with the cost of living, and your major bills have not fallen, the pay increases are unlikely to cause you an issue.
Qualified Debt Adviser & Forum Administrator - Ask me anything about Trust Deeds 
23/09/2014 10:22 am
Hi idizun,
Well done on reaching this point in your Trust Deed and successfully completing all of your payments.
If you have completed all of your payments then you want to ask your relationship manager for your Form 5 which is your official discharge certificate.
Your Trust Deed file will more than likely continue for your Trustee to investigate PPI. As upstream has said it's best to keep on at them about this.
How have you found the whole Trust Deed process idizun?
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