Hi Andy

That was a long time - 9 years! to be paying off the Trust Deed.

I could be wrong but if you signed in 2006, it would fall off your credit reference file automatically in 2012.

Are any of the original creditors still showing as defaulted?
Are there any accounts showing as defaulted. How clear is your credit reference file on Noddle?

The accounts should have fallen off at the same time (if the default dates were recorded correctly on the credit ref file).

Was your mortgage lender one of the defaulted accounts originally?
Are you attempting to get a mortgage from the same lender, or a lender linked to your original lender?

Have you checked the Register of Insolvencies (ROI) on the AIB website? To see if your Trustee is showing as discharged also?
Your name will disappear from that one year after the Trustee is discharged.

Is it possible your partner has something in her credit reference file that would be negatively viewed by a lender?

Hi,

Thanks for quick response....

This is were I'm getting confused, RBS is showing on my closed account section, this wasn't original defaulted account. I had left home without taking my name off mortgage, and moved in with parents. Wh it was getting close to my discharge date, I contacted BDO (and got hit with bombshell) my ex hadn't been paying mortgage, and her half of trust deed. The mortgage advisor didn't try to get us mortgage, he said we need to wait 2 years after discharge. So my partner is going to try lift scheme.

Hi Debt collectors and welcome.

I'm a little confused as to why your trust deed was extended if you'd made all of your payments. The thing is, there's no such thing as a joint trust deed. Even though you may have been advised together your arrangements will have been separate.

There may be a reasonable explanation as to why this extension arose though.

Your trust deed credit file entry will have gone six years after the trust deed began, and your record on the AIB register will have gone one year after your trustee was discharged (which will have been some time after you were discharged).

There's nothing saying that you cannot apply for a mortgage now, but your adviser may well be correct that the choice and value available to you may well improve after two years. It's not uncommon for mortgage lenders to have rules about time elapsed following a personal insolvency before they'll consider an application.

Hi,
I am sure the trust deed got extended due to there being no equity in the property. When we split, and I moved back to my parents, I continued to pay £150 for a further 3 years. Is there any way I can check my trust deed information online?

Thanks

Andy

Hi Andy,

I don't think you'll find a suitable resource online.

If you have specific detailed queries you should address them to your former trustee directly.