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Topic starter
06/02/2013 10:35 am
Hello again all.
Just wondered if people would be happy to share their experiences between final payment and discharge?
Should I expect to have to provide any additional paperwork over and above what I have already provided? Or is the final review just a case of looking at everything I have provided and signing it off?
The reason I ask is because I have never been asked to provide bank statements to my TD adviser (but I know some do). I have only had to provide the payslips and the odd document relating to my car. Which means up to now I haven't been all that great at keeping a hold of my statements. I have maybe kept 3 months at previous statements at any given time.
From what I read on here - it seems unlikely I will even hear from them until the discharge hits the door mat - but I like to know.
06/02/2013 10:41 am
Hi Scotslad
There should be no need for a review if you are close to your final payment.
Mark
Mark is not posting regularly in the Trust-deed.co.uk forum.
Topic starter
06/02/2013 11:13 am
Hi Mark,
Sorry - I wasn't very clear, I meant the time between the final payments and being discharged.
I spoke to my IP and they said they will conduct a final 'file review' before winding things up.
06/02/2013 11:40 am
Hi Scotslad
No this is just an internal matter to ensure everything has been dealt with before closing. ie all claims received, all contributions received etc.
I'm sure it will be fine. No need hopefully for pre closure nerves.
Mark
Mark is not posting regularly in the Trust-deed.co.uk forum.
Topic starter
06/02/2013 11:59 am
Thank you Mark.
06/02/2013 12:43 pm
When our final payment was made, I called them a few days later to confirm that we have made all payments required. They checked our file and called back saying yes and to c/x our DD and we would receive our discharge soon. We done that and got our discharge one week later. They also said in the call they would be checking for any PPI and would discharge themselves in due time. It was just under 4mths that we noticed on the AIB site they were discharged and our creditors had been paid.
It's just them dotting the I's and crossing the T's. We didn't provide further paperwork at all.
Could luck
Completed 3yr TD Sept '12 discharged Sept '12. Trustee discharged Jan '13
Building up savings.
Topic starter
06/02/2013 12:55 pm
Thanks Twizzle!
07/02/2013 2:04 pm
Hi Scott's lad,like you I got nervous about the final review but no need to worry,all was done in about 14 days from final payment to letter of discharge.
07/02/2013 2:06 pm
Twizzie what is the AIB site thanks
07/02/2013 2:20 pm
Ps scots lad no payslips or bank statements were asked for,hope this helps to ease your mind
07/02/2013 2:23 pm
It's the Accountant In Bankruptcy website jimmybee.
From that you can access the Register of Insolvencies where the details of your trust deed (important dates etc) will be held.
Qualified Debt Adviser & Forum Administrator - Ask me anything about Trust Deeds 
Topic starter
07/02/2013 2:26 pm
quote:
Originally posted by jimmybee
Ps scots lad no payslips or bank statements were asked for,hope this helps to ease your mind
Thanks JimmyBee! I am more concerned about finding it all if I am asked for it - just want the process to be as smooth as possible. [:)]
07/02/2013 2:35 pm
Thanks Amy will check that out, once again thanks to all and good luck scots lad.
07/02/2013 2:45 pm
Sorry jimmybee our Trustee told us about it and I presumed all did. Appologies for the late reply.
Completed 3yr TD Sept '12 discharged Sept '12. Trustee discharged Jan '13
Building up savings.
07/02/2013 3:00 pm
No worries twizzle tried to find it there but nothing coming up with my name on it. Must be doing something wrong
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