Welcome to the forum leilai22.

If everything was completed three years ago most people would justifiably gone nuts about the failure to discharge them.

However, given the trustee is now looking to mount PPI claims, and the trust deed was signed in 2006, it looks like discharge will now be impossible until the PPI situation is resolved I'm afraid.

How long is the average to take to explore PPI's? They have been at it for almost a year already and OH only had 1 credit card from Halifax and 5 store cards

Hi leilai22.

A year seems a very long time. Most claims are being dealt with pretty quickly at the moment.

I'd be asking for a full status update and an expectation of when everything will be finished.

if the trust deed was completed in 2009 I am not sure why they are still chasing ppi??!?!

Am I missing something here??#

Paul

Just wondering-why was the discharge not completed 3 years after starting?

I've no idea why they didn't send discharge notification, in fact, until I started a relationship with OH and he told me about the trust deed in May 2012. He didn't even know there should have been a discharge certificate. He got a letter to say he had made his monthly payments for 3 years and to cancel his direct debit. Also have a letter confirming he paid one month too much and they refunded it.

I've asked him to phone many times and ask when they plan to discharge him but they fob him off everytime. I'm tempted to start writing a letter for hi to send, in hope they return a letter with some helpful info or even a date on it.

Hi leilai22.

Your partner is entitled to know.

I don't know if there is a legitimate reason, but if I'd been asking and not getting a straight answer I'd be tempted to put in a formal complaint to the trustee.

To be honest, it all sounds a bit strange (as some other posters on this thread seem to think as well).

I'm going to speak to OH this morning and try not to end up in another argument over it. I only want him to call and ask an approx timescale as to how long it will sort out PPI's and be discharged. I'm not looking for a set in stone date but when I asked the same thing on mon, it ended in an argument. I'm the woman who won't get off the phone till I have an answer, he's the guy who will just 'wait and see'. Ah, bless his cotton socks lol

look up the accountant in bankruptcy register online as it will give dates of the trust deed and discharges etc,you just have to register to use the database but that may help to clear up whether he is discharged or not.

Good luck.

Paul

Plasticdaft, we're in Scotland and the only registers i have found only cover England and Wales.

Thanks for the suggestion though.

http://roi.aib.gov.uk/roi/

I hope it's ok to post the link here, if it has had to be deleted, google 'aib register'

This is where you can register as suggested by Plasticdaft

Hi leilai22.

Plasticdaft is correct.

Try typing "accountant in bankruptcy register of insolvencies" into Google and you'll find your way to the page he is suggesting.