Happy to share TDA. I have learned a lot from here. I just hope it makes sense (I know what I mean :-). Happy to clarify with anyone if required.
Hi cp1872 Your Trust Deed shows for 6 years from the date it was agreed, rather than 3 years from date of discharge. Other debts are the same - ...
Hi ds1990. Is your employer initiating any redundancies? Or is this a settlement agreement with you, which is considered by mutual agreement (yo...
Hello Vicky I feel your pain. HMRC have taken more than 30 minutes recently to respond to telephone calls - both employee and employer calls. The...
Hi Poprey. I have used it happily and without any problems. I find it very easy to use and the customer services/help team were very helpful with ...
Hello Almostthere You have plenty of time. Do you have a credit reference account (like Equifax, Experian or Noddle)? If not, I would suggest...
Hi Kevin It seems to me that two main separate processes go on here (for the purposes of this topic). 1. Form F5 individual discharge. The cre...
Hi Maverick My understanding in relation to your questions: Your Trust Deed should 'fall off' your credit reference file 6 years after the Defau...
Hi LuckySnoop Remember to check the dates they have entered as default. It should be the same as the Trust Deed date or closely thereafter. The s...
Hi JohnD Just as TDA says, if you are discharged with Form 5, you should contact the creditors yourself. They are not automatically updated (from ...
Sometimes the burden of the fight and the burden of decision making is so great that when the decision is made and the change happens, it is a huge re...
I have that experience too Mapleaf. Showing as September with Experian and November with Equifax - same creditor and account. Despite further calls ...
Hi Cheesed off. I am unsure what your main concern is. Would the difference in payment have meant that all Trust Deed monies, plus Trustee Fees, p...
I am just curious having read this thread. It does not relate to me but I do find the concept of a never-ending situation contrary to the marketing an...