Trust Deed Scotland Ended

[John567]

Hi folks, just joined and looking for advice.

 

In January 2012 I entered into a 3 year trust deed.

 

 

After about a year I sustained a serious head injury and was left with brain damage which meant I could no longer work or afford the £200/month payments.

 

 

I contacted the company and they seemed very helpfull and agreed that while I was on benefits I would no longer need to make the payments.

 

Last summer I was contacted by them and they asked if I could have a letter from a medical professional

dealing with my case to confirm my injury was long term with a view to closing my trust deed early. which I arranged.

 

 

I called them at the end of January to inquire about what was happening and I was told that the creditors were being informed and the deed was moving to closure.

 

2 weeks ago I was contacted by a member of the company who seemed quite angry and told me I had to pay all the £200 installments.

 

 

I told him about my previous correspondence with his company and haven't heard from him since.

 

 

I am however concerned that I am still not in receipt of my letter of discharge.

 

Any advice would be greatly appreciated.

[citizenB]

Are you sure it was from a member of the company dealing with the trust deed who made contact with you ?

 

You need either to record any telephone calls, or write to them and ask what is happening.

 

I will ask others on the Site team to look in on your thread.

[John567]

Thank you for your reply CitizenB.

 

 

He did indicate he was from the company involved and appeared to have access to a file that recorded the contact last summer.

 

 

Before the conversation ended he said

 

 

"I may call back" which he never did.

 

 

Like I said,

 

 

I was advised that the deed was moving to closure in January but still no letter of discharge.

 

 

I wondered if anyone else in here had a similar experience.

 

 

I read somewhere that it could take 4-8 weeks for this process to be completed

 

 

so maybe I should call them end of March?

[maroondevo52]

Hi,

 

Yes the closure process should take somewhere between 4 and 8 weeks, I would think your best course of action would be to contact your trustee again and get them to confirm what is happening with your case.

[IdaInFife]

agree with Scott as most times your "trustee" should remain the same person for continuity however they do have a high staff turnover.

 

Send them an email to clarify the situation.

 

I take it with them looking at closure you do not own your own home?