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WHEN DOES A PROTECTED TRUST DEED REALLY END?

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(@uncleben)
Trusted Member
Joined: 14 years ago
Posts: 91
 

I agree that it's unprofessional, poor service and generally very bad form and yet this standard of customer care seems quite normal for many firms from reading some of the posts on this forum.

I'm afraid, Paul, that you are assuming same level of care and efficiency in others as you would offer yourself in their position. If only.


   
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TDA (Debt Adviser)
(@tda-debt-adviser)
Illustrious Member
Joined: 16 years ago
Posts: 13594
 

I think we see this in every industry?

Lots of firms offer similar products and services for similar prices. The thing that really divides them is the level of customer service and professionalism they deliver.

Qualified Debt Adviser & Forum Administrator - Ask me anything about Trust Deeds


   
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(@uncleben)
Trusted Member
Joined: 14 years ago
Posts: 91
 

And that's exactly why this Forum is SO important for people before they sign up with any of those firms with poor service. Thank you again for all the good work you do in steering people right.


   
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(@figaro49)
New Member
Joined: 13 years ago
Posts: 1
 

Hi - Just like your work colleague, my final payment was made in October 2011 and still don't have my discharge. Just been on the phone again to trustee today only to get the usual excuse of the PPI issue. They don't appreciate how important this is as obviously your credit file cannot even begin to start being 'repaired' if your creditors still haven't been paid! I forgot to ask if they had taken their fees which I'm sure they have but they probably wouldn't tell me anyway as their comments are constantly 'we can't comment on that matter', no matter what you ask them. I want to try and get a mobile phone contract but am too frightened to even enquire about it. How do you start to move on when this is still hanging over you?


   
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(@plasticdaft)
Noble Member
Joined: 16 years ago
Posts: 1594
 

The trust deed stays on your credit file for 6 years from starting so getting mainstream credit until that point may be difficult.

Figaro,do you have any ppi that was mis-sold?

Regarding mobile phone contracts 3 are slightly less stringent with credit checks.

Trust deed completed Jan 2012,Trustee discharge Nov 2012.
A new dawn.


   
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Mark McFadyen
(@mark-mcfadyen)
Famed Member
Joined: 16 years ago
Posts: 4798
 

Hi Figaro49

Assuming your trust deed started on or after April 2008, there is no reason whatsoever for delaying the discharge assuming all payments have been made. As outlined in a number of previous posts, the trustee can easily discharge you, but remain in office himself to deal with ppi etc.

Mark

Mark is not posting regularly in the Trust-deed.co.uk forum.


   
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