Sorry, got a bit carried away there ! I was discharged in February 2014 not 2013 but it is true the td will fall of my credit reports next year, three years after discharge and six years after it started !

Welcome back A.D.

It's great to hear that things have been going well for you since you were discharged.

The answer to your question isn't going to be very straightforward I'm afraid!

I don't think that there's any time limit in place preventing claims being submitted for older PPI cases. I think the further back you go the less PPI was being sold by financial institutions in general.

You can claim back PPI, but if your trustee hasn't yet been discharged (which they may well have been of course) the money is still going to go to your trustee and help to repay more to your creditors. You can check whether your trustee has been discharged using the online "register of insolvencies". If your name and details aren't there at all, that usually means your trustee was discharged more than a year ago.

Now we get into the complicating factors!

Some trustees (not many) have been seeking to re-open trust deeds to gather in the funds from large PPI claims after both their client and they have been discharged. This can only happen with the permission of a court. This is a very legally contentious area, with an appeal likely to be heard at the Supreme Court in the future.

Then there is the potential for a creditor not to pay out because they consider they can set-off any PPI due to you against debts that you used to owe to them. RBS is a case in point. This is also very legally contentious, with ongoing legal actions taking place.

More about RBS set-off of PPI claims after trust deeds here:

https://www.trust-deed.co.uk/rbs-and-ppi-claims-after-trust-deeds.html

So I apologise that this answer is just about clear as mud.

Thanks TDA.
No, actually I think your reply has made things quite clear, though I perhaps didn't make myself clear when you questioned if my trustee was discharged and gave me instructions how to check.
I should have made it clear that as mentioned, I was discharged in February, as was my trustee ! And yes I did check the insolvency register to double check he was discharged, as indeed he was.
I may have commented at the time that it was great to have us both discharged within three weeks of one another compared to some others on here that were still waiting for their trustee to be discharged some months or even years after they themselves were discharged !

I'm glad that it worked for you that way A.D.

We're hearing from a fair few people at the moment who are waiting a comparatively long time to be discharged. Much of this seems to relate to one firm that are going about this quite differently to many others.

Sorry to barge in on thread AD and TDA! TDA can you name the firm? Although I have been discharged since last November I am still waiting for Knightsbridge to discharge although I know there is no PPI as I have never taken any. This was confirmed via a company, signed by Knightsbridge, in 2014. I know this really doesn't make much difference to me personally right now, but it would be nice for the info to be removed from the AIB around the same time the TD falls off my credit report as we will be looking to downsize and get a new mortgage deal. As always, thanks!

Hi MooMoo.

A few people have mentioned this firm here in this respect. My impression (which might be wrong) is that they're looking to get more of their work done before discharging a client than some other firms are. There may be a perfectly rational reason for that of which we're unaware.