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Scottish Trust Deed Forum
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Topic starter
27/01/2012 6:41 pm
my trust deed have applyed for ppi on my account.i finished my payments on july 2010 but still not been discharged they said i cant be discharged until two remaining ppi claims are resolved.i have received a check today for ppi payment on a loan i had with bank. this loan was not on my trust deed account,it was a loan i payed in full and was finished years before i went into the trust deed, yet it appears the trust deed have applied for this, can they apply for ppi on loans that were payed in full,before i went into trust deed.and what do i do with this check please anyone got advice!!
27/01/2012 7:38 pm
Yes they can,I suggest contacting your trustee to get advice on what to do with the cheque.
Paul
Trust deed completed Jan 2012,Trustee discharge Nov 2012.
A new dawn.
27/01/2012 8:16 pm
Almost two years after final payment and still no discharge.. Someone please explain this one to me..
27/01/2012 11:24 pm
I assume the delay is because of ppi issues?
Paul
Trust deed completed Jan 2012,Trustee discharge Nov 2012.
A new dawn.
Topic starter
28/01/2012 2:27 am
yes they said they are waiting on replies from 2 of my creditors about ppi claims, and cant finalise discharge until they here from them. i would have thought there would have been a timescale on how long they wait for a reply.a year and half is a very long time i feel, i would like to open a bank account but bank wont do this without discharge letter,
28/01/2012 8:03 am
Hi lulibet1.
It seems very unfair that your discharge has been held up for so long.
In terms of a bank account, there are banks who will give you an account even if you have not been discharged.
Have you got an account now?
Qualified Debt Adviser & Forum Administrator - Ask me anything about Trust Deeds 
Topic starter
28/01/2012 10:34 am
yes but it charges monthly fee really would like an account without this'but need discharge,also what do i do with this cheque ive been sent
28/01/2012 12:47 pm
Hi there.
Have you tried Co-op Cashminder, or the Barclays basic account?
I'd suggest asking your Trustee what to do about the cheque.
Qualified Debt Adviser & Forum Administrator - Ask me anything about Trust Deeds
Topic starter
28/01/2012 1:45 pm
ok will call trustee monday thankyou
29/01/2012 2:38 pm
I can recommend the co op cashminder account. I like mine as it does what my old tsb account does without costing me £7 a month!!
Paul
Trust deed completed Jan 2012,Trustee discharge Nov 2012.
A new dawn.
29/01/2012 7:21 pm
Hi
You should still be ableto get an account. As suggested, try Barclays or Co-operative. i think you should contact your Trustee, but as it has been received before your discharge, i think it will be classed as an asset, and therefore go to your Trustee. I am surprised that it didn't go to the Trustee since it was the Trustee who applied for it??
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