Hi Paul

Sorry to hear about your experience.

When you complete all payments, you receive a Form 5 certificate of discharge. The trustee remains in office until the administration of the case is completed. It is not unusual that in some circumstances, there can be significant delays in closing the case.

I would ask your trustee to provide you with estimated time frames when the case is likely to close.

There are other ways you can look to obtain car finance - do you have a family member, partner that is able to take out the finance on your behalf?

There seems continued bad press on KPMG, Although they have been great so far, I really am worried that the timescales they work to will have an impact on my closure due April 2019

Surely once debtor is discharged they should be able to get finance without trustees approval?!? I was hoping to apply for a normal bank account now I am discharged but I guess I will have to wait until KPMG get round to closing it all off

You're quite right fcwalker, Paul123 shouldn't need the trustee's approval to take finance.

Have you definitely been discharged, Paul123, ie did you receive a Form 5?

The only thing I got was a letter which mentioned discharge etc but don’t know if it’s a form 5, when I spoke to the people at KPMG, they are not overly helpful and won’t give timeframes and you get a kind of response like “it just takes as long as it takes” I still get letters from recovery companies mostly “max recovery” but was advised that’s normal apparently

It won’t let me upload the letter itself otherwise I would post the picture to show it

Paul

You can search the register of insolvencies and that will tell you what stage the trust deed is at.

https://roi.aib.gov.uk/roi

If there is a date allocated to "debtor discharge" then you would have received your form 5.

Yes it says debtor discharge date 22/11/16

Hi Paul123.

That's good. It means that you have been discharged.

Your trustee may not yet have been discharged. They have work to do after you have been discharged that can take some time. It shouldn't affect you though.

I think the car finance provider doesn't understand how this works. It might be worth trying to explain it to them, or to try another provider with a better understanding.

Ok great thank you, I would like to say a massive thank you to everyone for taking the time to assist and help answer my questions as it has now set my mind at rest on this

I was really worried this had popped up again somehow and was getting concerned

Can I just lastly ask when this will be removed from my credit file etc. I understand some people have said it’s on for about 6-7 years not sure how long but when is it started from ? Is it from when it started back in 2013 or when I got my discharge date etc

Hi Paul123.

Thanks for your kind words. They are appreciated.

The trust deed will vanish from your credit report 6 years after it began. Anything that goes onto your credit report stays there for 6 years.

Thanks you guys are the best #128077;#127995;