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Scottish Trust Deed Forum
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Topic starter
11/02/2015 2:43 pm
Hi
We were discharged from our TD last February and have recently received a letter from the Halifax regarding PPI they said they had sent a cheque to the company which dealt with our TD we telephoned and they had said cause we were discharged it was nothing to do with them anymore and would sent a letter back to the Halifax saying that, we then received another letter from the Halifax telling us we would receive the cheque in 10 days. Today we phoned to ask why we hadn't received the cheque and were told that the company dealing with our TD had phoned them and told them to send the cheque there haven't been able to speak to the company as the person dealing with it is off today looking for some advice here as this doesn't seem right [?]
mk
11/02/2015 2:52 pm
it sounds like your discharged from your trust deed but your trustee hasn't discharged you yet. It means your no longer liable for your previous debts but all your PPI is due to your trustee. Let them have all the PPI, it means the trustee is more likely to discharge themselves from your case and you can get on with your life.
11/02/2015 2:53 pm
Sorry pressed the wrong button. It happened to me. Unfortunately you just have to suck it up.
Topic starter
11/02/2015 2:58 pm
thanks pboykk wish they had never told us and just sent it them knew it was to good to be true (gutted)
mk
Topic starter
11/02/2015 4:23 pm
Just looked for the letter and we were discharged 2 years ago does that not make any difference??
mk
11/02/2015 4:44 pm
Hi mags67
Unfortunately no, as the whole thing depends on the Trustee being discharged. While they remain as Trustee, any PPI would be paid to them in full for the benefit of creditors.
Mark
Mark is not posting regularly in the Trust-deed.co.uk forum.
Topic starter
11/02/2015 4:51 pm
Thanks Mark its just because our trustee sent a letter back to Halifax saying they no longer hold an interest in the redress and have a instructed us to make payment directly to you somebodys got something wrong somewhere 🙁
mk
11/02/2015 4:56 pm
Hi mags67
It's certainly strange. If the ROI shows both you and the trustee have been discharged, then the payment will go to you. Even if they were not discharged, i wonder if the letter alone would be sufficient to make payment to you!
Mark
Mark is not posting regularly in the Trust-deed.co.uk forum.
Topic starter
11/02/2015 5:08 pm
Hi mark how would I find this out thanks for your help 🙂
mk
11/02/2015 5:35 pm
You'll need to visit the Register of Insolvencies and look up your case mags67.
You can access it online via the Accountant in Bankruptcy website (registration required).
Qualified Debt Adviser & Forum Administrator - Ask me anything about Trust Deeds 
Topic starter
11/02/2015 5:36 pm
Help how would i find out if ROI have discharged us and the trustee not sure what to do
mk
11/02/2015 5:38 pm
Your file on the Register of Insolvencies will specifically tell you whether you and your trustee have been discharged.
Qualified Debt Adviser & Forum Administrator - Ask me anything about Trust Deeds
Topic starter
11/02/2015 5:41 pm
how do you find your file not sure how to access this
mk
11/02/2015 5:49 pm
OK mags67. You need to:
1 - Visit the Accountant in Bankruptcy website.
2 - Find the Register of Insolvencies section.
3 - Register yourself to access it.
4 - Search for your own details.
Qualified Debt Adviser & Forum Administrator - Ask me anything about Trust Deeds
Topic starter
11/02/2015 6:09 pm
Thanks Trust Deed Assistant will give it a try 🙂
mk
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