Good for you Melodyr. I am still waiting to hear from Gladstone, they have written to the bank by recorded delviery quoting the laws which state that the money is owed to me. I am sure they will take their time to pay up but let them as the longer they take the more interest they have to pay. I too ...

Thanks guys, I cant say I dont feel a wee bit guilty taking the money when I did go into the trustdeed owing them but I rang the bank at the time I had difficulties, I had split from my partner and lost a big part of my income so needed some help. The bank, not only did they in the first place add p...

Well I will let you know how it turns out. If my Trustee had asked or requested to claim it on my behalf then I would have said yes but they never.

Good news for those who may be in my situ. I ave had a call from Gladstone to state that the bank are not legaly allowed to offset the debt so it is to be paid to me. My Trustdeed company have stated that by law the debt is written off at the end of the trustdeed, so can not be offset. They are now ...

Well done and good luck with your new debt free life. Sam x

Thanks guys. I will keep you updated as it could be useful for all you guys still in your IVA's. Sam xx

I really didnt want to kick off an argument with this post. I was worried that even tho I have been released from my TD, which should mean that my debt has been wiped out, the bank still holds this debt open otherwise they wouldnt be able to offset it. If this is the case have any of my other credit...

I agree with Foggy also if you are claiming whilst in an IVA but not if you have been released Melenie. The people who dealt with my TD did not ever ask me to sign anything that would allow them to claim PPI on my behalf. Even if they had they would have got the same answer as I have personally from...

What a fantastic topic. Chas I wish you all the best for 2012. I am hoping it will bring everyone a better year. I may be out of my Trust Deed (similar to IVA)but I can relate to all that you guys are going through. Wish I had found this forum duing my time in the TD as it would have been a fab supp...

Yeah but Gladstone are paid 25% of my payout which would be £25 not £2500. Plus they must be aware that banks keep the debt open for the claimant and will offset against the claim. I am surely not the first person to have done this after being in a Trust Deed. I just think it is a joke, plus I havnt...

Melanie, I am no longer in the Trust Deed and at no point during it did the trustee mention PPI so it was only after I had completed the Trust Deed and had been released from it that I was advised by a friend to try for the PPI claim. I contacted Gladstone and they said I was alright to claim, even ...

Hi Lem, I didnt start the claim until a while after I had been released from the Trust Deed. Like I said before I didnt think I could claim. I will have to wait to speak to Gladstone and see what they have to say about it. I am worried as did wander if this was a good idea what with karma and all th...

I will do hunni. I only got the letter yesterday so have to wait to speak to Gladstone tomorrow. Just thought I would see if anyone else had had ther same issue. This is a fab site and will keep you posted on how I get on as hey its always good to pass on info if you have it. Thanks Kazza. Sam xxx

Thanks Kazza, I think so to. I just hope that Gladstone Brookes dont expect me to pay £2500 worth of fees if the bank are allowed to do this. My payout would only be about £100. If I have to pay those fees I will be back in debt again, something I have been able to avoid since starting the Trust Dee...

Hi Kallis, Yeah I have had my release letter from the Trust Deed and had already started my claim using Gladstone Brookes for the PPI. I had no idea that I could claim and to be honest felt a bit cheeky after being in the Trust Deed. Still the only claim I was making was from the bank who through th...