Welcome to the forum LMBL80.

The issue here seems to be a misunderstanding on the part of the mortgage lender.

You were discharged when you were discharged.

What happened later was your former trustee (not you) was reappointed to the trust deed to deal with the PPI. Afterwards they would have sought their own discharge, once the PPI had been dealt with.

You may wish to explain this to the mortgage lender. Have you kept the evidence of your own discharge (Form 5)?

Hello, and thank you for coming back to me.

All I have is a discharge letter from Scott Moncreiff, I was never issued with a Form 5 to my knowledge - should I have been?

Your discharge letter should be sufficient LMBL80.

My suggestion is that you provide a copy of this to the mortgage lender, along with an explanation about how they appear to have misinterpreted the trustee's reappointment.

This is all quite technical stuff, so it wouldn't be surprising if a mortgage underwriter doesn't have the knowledge to properly interpret the information that they're seeing.

Hopefully they'll take a reasonable approach and reconsider their decision.

I hope so, thank you for your help.

I had no hassle with my original mortgage application in 2014. It all went really smoothly.

I'm not sure that they were called Form 5s way back in March 2010, so your letter of discharge would effectively be the same thing.

Let us know whether you get this resolved would you? There's no way this should count against you, but then underwriters can make nonsensical decisions sometimes.

I contacted our broker yesterday and he is going to contact the lender, I will let you know the outcome.