Hi COOLCRAIG1975 and welcome to the forum.

When companies pay out PPI claims they check the insolvency registers and the information that they might hold internally about old insolvencies (perhaps because they were a creditor at the time).

They have to be careful, because if they pay you and then it turns out that you weren't discharged they might have to pay out again (to your trustee).

A risk averse approach for them might be to send it to your (former) trustee first. If they're no longer acting the chances are they'll return the money to the company that paid it out, or forward it to you.

Will you end up getting the money? Quite possibly you will in due course, though there are two things we've heard of that might get in the way or slow things up:

1 - Some banks, notably the RBS Group for example, seem to have taken a position that they can set-off a PPI repayment against debts that might have been included in a previous Scottish trust deed.

2 - We recently heard here in the forum of a trustee who appears to be looking into whether they can re-open an old trust deed to gather in PPI repayments that they missed when handling the case.

thanks for quick response.

i guess its just a waiting game then.

do you know how the register works on the roi.aib.gov.uk website.

if i did a trust deed should my name on it?
i did register but cant seem to find any info.

its just frustrating after all this time my trust deed place still being brought into the equation. they were brutal with me, even i was unemployed for 3/4 months they were still demanding money even though i had the insurance. bugs me if they get it

Hi again.

Any entry on the register is now removed a year after your trustee has been discharged. It sounds like that's why you're not on there.

It certainly doesn't sound like the money will end up with your trustee, though even if it did it would be for the benefit of your former creditors rather than them.

If it were me I'd contact my former trustee to confirm with them that they'll promptly notify the company paying out your PPI claim that they're no longer acting and therefore cannot accept the payment (or will forward the funds to you). I suppose you could also ask the claims company to do this.

thanks,

My claims company PPISCOTLAND is doing this on my behalf.
been a week know and i thought i'd heard something.

fingers crossed, i will post a reply if i hear anything

5 mins after i post i got a call from my ppiscotland.
turns out i'm legally discharged and things are looking very good to receive the funds.
only thing is bank of scotland had already sent chq out to t/deed place. so its now in a legal claim to refund the chq which can take 28 days but other wise things are looking good.

Fingers crossed for you!

I'll be surprised if you don't get this money in due course.

I was awarded a PPI payment a year after I was discharged from my PTD, the credit card company sent the monies to my Trustee.... Fortunately for me my Trustee contacted me to let me know and they then transferred the money into my bank account as they had already discharged themselves..... So hopefully you'll be okay...

Hi COOLCRAIG1975,

Give your former Trustee a call to chase things up. I'm sure this close to Christmas the funds would come in handy.

Let us know how you get on.

I cant believe so many people have gained so much from ppi. We never took any and were never miss sold any.

Paul

It isn't free money really though. The premiums were added to the loans so people are only getting back what they have paid out unwittingly, or were unfairly pushed into borrowing, in the first place.

I never even considered looking into it, but the PPI recovered for my TD was pretty successful.

hi people. sum how couldnt log in to my account COOLCRAIG1975.
so i set up and the password recovery didnt seem to do much in sending me an email so i had to create another account.

ppiscotland asked if i wanted to phone up INVOCAS to try speed up the process but i said id rather wait, i refuse to take anything to do with them ever again, even if it lets me wait a month for any money.

i'm hoping i will hear something before xmas

i have had official confirmation i am getting my ppi claim.
trust deed place have confirmed they no longer manage my account and a new chq has to be issued. only problem is not to sure when they will do it can take up to 2 weeks but im hoping wont be that long.
ppiscotland did everything for me. i believe the charge is 25% plus vat so im looking at paying out £3000, i realise its alot but i'm still well happy

Hi COOLCRAIG75

A good result for you especially at this time of year. I'm sure the money will come in very handy.

Enjoy it and best wishes for 2015!