I always think it is wise to have a back up account. better to have it and not need it, rather than the other way about. Re the credit thing, it i...
Hi jamie12 I can see the Trustee's point, although I think this is a bit harsh. I wonder if engagement rings etc should now be classed as assets? ...
Hi Charlene If you entered the Trust Deed, then any balance of debt is written off at the end. It is difficult to comment on what is the best op...
Hi Grace I was at the AIB meeting on Monday and they confirmed that the 4 years will apply from 28 November 2013 onwards. Anything signed prior to...
Hi gaelforce I don't think its an exact science unfortunately and is normally someone checking the Edinburgh Gazette and cross checking this agains...
Hi Buz I did laught at the STD bit! I do not see any issue whatsoever if your sister obtained the loan and can provide paperwork. Mark
Hi buffytennant If you can calculate the total debt, plus 8% per annum, plus the fees and outlays of the Trustees, then this will be the entire amo...
Hi Charlene Personally I don't think any insolvency firm should be discussing and certainly not offering insurance at any stage in my opinion, but ...
Hi sparky1 You should also ask them to confirm that they have discharged the inhibition which is a condition of the discharge. That would make you...
Hi sparky The key thing is you are discharged, however you should have received Form 5 and a copy sent to the AIB at the start as they have no righ...
Hi Sparky Your trustee has it wrong. In terms of reg 19 he must send you Form 5, being your discharge, and a copy to the AIB. Mark
Hi inthered Unfortunately I think you may need to sit tight for a while after the trust deed has completed as obtaining a mortgage will be difficul...
Hi debs Best to start it now in my opinion. Glad it seems to be coming to an end If you have recived the consent of the creditors, then they sh...
Hi inthered It could get complicated to be honest. If you sell, the trustee would need to authorise & sign the disposition for any sale. I think...
Hi sparky Yes, it's part of the process. Very generally Form 5 is issued & discharges the person in the trust deed & becomes effective when registe...