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We are not legal advisers, Alasdair, so you should consult a solicitor if you want advice on where you stand legally on this matter. The trustee is r...

Have you checked your entry on the Register of Insolvencies, LR88? You can search for this via the AIB website. If there is no date showing against t...

Hi SmithyJ. If you have completed your payments then I'm not sure why your TD company would need to see it. That should only be required if it would...

The requirement is that you make your first payment within 42 days of approval. Your plan will not be revoked as long as you meet this requirement. ...

Yes that's right HarryM - or actualy technically once the date of the Form 5 is showing on the Register of Insolvencies, which should be very soon aft...

Hi DASdude. I'd say the majority of creditors would look for more than 50% usually, most are somewhere between 70-85% in my experience. It also de...

Hi DASdude I have been successful in arranging early settlement for a few DAS clients in recent times. The lump sum offer must be made to all cred...

You should be fine, beefybrown156. The legislation is pretty clear that the Trust Deed should state that you have an obligation to hand over any asse...

A Trust Deed is not only for people who wish to protect an asset such as their home. It can absolutely be used if you have no assets too, in the same...

Hi Regreteverything. The likelihood of success or otherwise of any DAS or Protected Trust Deed proposal is something that a decent insolvency practiti...

Wise words, JackieMcR. Good for you and I hope the last few months pass by just as quickly. Thanks.

I wonder whether it might be worth bringing this to the attention of the Financial Conduct Authority? I'm not a lawyer, but it seems that RBS are ess...

I think it is likely that the 1-month payment break will require to be added on at the end, but hopefully not the amounts reduced due to furlough. It...

Hi Adam. The rule about giving up any windfalls such as tax rebates should only apply to the first 4 years of a Trust Deed. Notwithstanding that, in...

Yes, he needs to let his Trustee know, otherwise they wouldn't be able to contact him for his annual review. Also, I presume the move will mean a cha...