Welcome to the forum jacq1888.

Part of the work that a trustee has to do is to identify whether you have any assets that can be "realised" to help repay more to your creditors. As well as obvious assets like a car or a house, there are also less obvious assets such as your potential ability to reclaim money for mis-sold PPI. Your trustee has to investigate whether you can reclaim PPI to repay more to your former creditors.

It used to be the case that a trustee could not discharge their client until this work had been finished. That could lead to long discharge delays. The rules changed, meaning that they could discharge you while carrying on their work to reclaim PPI that might have been mis-sold to you.

So there are two discharges. Yours, and also the discharge of your trustee. Until your trustee has been discharged any money for PPI claims such as this one will need to go to them to help repay more to your former creditors.

You can check whether your trustee has been discharged by reviewing the Register of Insolvencies (via the AIB's website). It doesn't sound like they have though.

Unfortunately it doesn't look like this money is coming to you and nor does it look like paying a lawyer to look into this will bring you any benefit. That's obviously a decision for you though.

Sorry that it's not better news.

Hi jacq1888,

Unfortunately as TDA has pointed out the PPI money will be ingathered into your Trust Deed and used to pay back more of the debt which would have been written off.

Hi thanks for the replies, just another quick question.
the trust deed person is saying I owed £11,000 😮 a ppi payment for £7500 was taken initially by trust deed, then a further £90. Now another has came in from ppi for 7100. Are they able to take all the money or just 11000 of it and would I then be due Thr rest ?

Hello jacq1888.

Including your monthly payments already made and the PPI refunds the most that you'll have to pay in total is the sum of:

1 - The debts you owed at the start.
2 - Interest on those debts.
3 - The total fees and costs of your trustee.

Any surplus over and above that amount, if there was one, should be returned to you.

Thanks Again xxx