Hi EdM

The best advice I could suggest is to just speak to them. All the guys on the site seem excellent and I'm sure they already have it in hand, with your discharge letter imminent.

Give them a call for your own peace of mind.

PD

Hi EdM.

I totally agree with Poorboy, just give them a call so that you know where you stand and have an expectation of when all will be finished.

Having met each of the experts that posts on this site, and having visited their offices, we can confirm that they don't bite!

Calling them up isnt pestering them,get on the phone!!!!

Paul

Received a call back from Wylie and Bisset. At first I was talking to Natalie then she put me on to her manager Paul. Apparently I should "take legislation exams" before enquiring and questioning. He told me until the creditors have been paid and they are discharged i.e. the trustee, then I will be discharged. So anyone who says the trustee can still be in office whilst the client is discharged is ""wrong. He said form 6 has to be sent out and agreed before I receive form 5. By the figures he said, It could take another 2 months before I am discharged. Also any firm to have claimed to discharge a client with 4 weeks is lying as, with the timescales involved, "would be impossible". I said Chris Wardle has stated "around 6 weeks" for discharge. I was told since he doesn't work for distribution of funds (or something like that) then he shouldn't be saying that. Paul also questioned the advice I was receiving. All information I have accumulated has been from here. To say I am angry and scunnered would just about touch the surface. Why isn't there across the board guidelines? Why do some firms say clients can be discharged and the trustee still be in office and others, ie.. mine say that is not the case? Maybe I shouldn't be going on advice given on here and just shut up until I have had "9 years of experience in this field" like Paul.

Hi EdM.

This situation about remaining in office that has been talked about so much here is really just to do with PPI claims that extend beyond the final payment into the trust deed, I'm not sure it's relevant for you.

Hopefully Chris will visit the forum pretty soon and pick up on your concerns.

There are 'across the board' guidelines- its called legislation! If your trust deed was signed after April 2008, then you can be disharged while the trustee remains in office. Most sequestrations work like that as the debtor is discharged after one year, and the trustee remains in office for 3 years

No offence Shona, but according to Paul, you are wrong. Only until creditors have been paid and the trustee has has discharged can I be discharged. I haven't taken "legislation exams" so...There was no need for him to speak to me like that. The last thing I said to him was he "should be more professional" and "thanks for nothing". Yes it was my fault for getting into the mess I got myself into, but that doesn't give anyone the right to talk to me like something they have scraped off their shoe.

Hi TDA. Could you please see that Chris does see this? I haven't had an issue when dealing with Chris or Donald at W&B and overall they have been more than fair with me. Unfortunately there has been a few people below them who have been not so great to deal with. Paul has taken the biscuit! I'm just after some clarity, but don't want to be frustrated dealing with others at W&B.

I am sure Chris will be able help. That would appear Mark, Kevin and myself have been doing it all wrong then... I don't think so.

I have been discharged but still have a tenon trustee in place clearing up ppi(or wasting their time coz there isnt any).

The way some people get treated is a total disgrace. It costs nothing to be polite.

Paul

You're right Paul. All I was doing was challenging what he was saying to me as I have seen (on here)conflicting advice. Also to be told around 6 weeks to now approximately 15 weeks is unacceptable. I was polite the whole time because that is the way I am, even when I was getting insulted. What a terrible way to treat anyone. Absolute disgrace. The last thing he told me was if I require any further information, I was to put in into writing and not call! Unbelievable. I'm not letting this lie.

Do not let it rest!! I would ask which body regulates your firm and make a formal complaint.

Paul

Firstly to clarify you can receive a discharge whilst the Trustee is still in office under the legislation which changed in April 2008, albeit as previously stated this is utilised in instances like the PPI reclaims.

I am not prepared to discuss case specific issues through this medium but will be happy to discuss all matters with you (EdM) should you call me as would the Insolvency Practitioner Donald McKinnon.

When would be the best time to call Chris?