I'm surprised that no one has taken tis further and challenged it in court. I remember hearing there may be a combined action against RBS, but noth...
Hi LisaJane No problem, always glad to help. Glad it all worked out ok. These things normally do. Mark
Hi TDA I think the stance taken by RBS and some other banks is that the individuals liability for the debt dies on discharge, but not the debt and ...
No problem. There's always a tendency to fear the worst with these things, but they are normally easily resolved. let me know how you get on. M...
Hi LisaJane The funds from the policy as you will be aware should have been paid to the Trustee. I think it's extremely unlikely that the Trustee ...
Hi strid3r Sorry I ahve not been in the office for a few days, but will be in for a bot tomorrow. Best idea is to email me a revised income and ...
It's been mentioned on the forum many times that credit scoring etc is not an exact science and this shows it to be correct given that you did not hav...
Hi TDA You are correct on both points. Any PPI payment would be paid to the trustee if he has not been discharged. PPI payouts are in 3 bits. T...
Hi Haggis Always glad to help. It's good that things are finally resolved and at least the uncertainty has been taken away, although at a cost! ...
Hi Tony From memory your trust deed was pre 2008 ( incredibly!) so there will be no form 5 as this was post 2008. If the trustee held a final me...
In my experience creditors and debt collectors are not too bad once they have all the info, however there are aways exceptions unfortunately. As me...
Hi Pinkveggie Sorry to hear about the problems. There's no issue speaking with the trustee in my firm if required, although most firms will have se...
Hi materialgirl The separation won't really have any effect on things as such. The options appear to be to try & negotiate a repayment plan with...
Hi materialgirl From the info provided, no I don't think a trust deed would/could work. Trying to raise money from the equity would appear to be...
As an eternal optimist! I don't think there will be any significant change before the next general election which I think is May next year. The worry ...