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Scottish Trust Deed Forum
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Topic starter
15/09/2017 1:13 am
Hello,
I was recently discharged from my trust deed receiving my form 5 about a month ago. I have since applied for a credit card and have had a vanquis card accepted for £1000. I was a bit reluctant at first but had been told that this would be a good way to build up my credit profile etc paying off any spend in full each month. Feel quite happy as it's a massive weight off my shoulders! Happy I'm out of this situation and now able to gain credit! My question is this though... I had a bank account with Lloyds bank that had an overdraft that was included in my TD. Now that I'm discharged, can I bank with Lloyds again? Or do I run the risk of my salary being arrested due to the previous defaults? According to experian, Lloyds is still showing as a default.
Thanks in advance.
Clevertwin
15/09/2017 2:54 pm
Hi Clevertwin88. Congratulations on your discharge - how did you find the whole Trust Deed experience?
It is really up to Lloyds whether they are happy to allow you to bank with them again, but if so then they cannot freeze funds in your account as you have now been discharged from any liability for those debts.
Scottish Debt Solutions Expert - Ask me for help setting up a Scottish Trust Deed or Debt Arrangement Scheme plan.
