I would have thought so too unless the trail was lost amongst the move abroad and subsequent address changes?

Hi scotsgeezer, It's going to be important to understand what happened when you defaulted on the protected trust deed. The Trustee may have resigned from the case or they have have looked to sequestrate (bankrupt) you. You might be able to get some information about this from the forum on ** commercial link removed *** where there are a couple of Scottish insolvency experts that answer questions. If you were sequestrated there's no need to do anything as the debt will no longer exist.

Do you believe that the PPI was mis-sold to you? Did your Trustee have any reason to think that it had been mis-sold to you?

Hello rabdeniro, There are a couple of different aspects to this. Firstly it would seem that some Trust Deed firms are looking to recover funds to help repay creditors. Others may be looking to boost fees and/or receive an introduction fee from the company handling the PPI claim. Others may allow someone in a Trust Deed to keep a percentage of the award. See: Scottish Trust Deeds - Trust Deed and PPI repayment The second question is whether there is actually cause to believe that the PPI was mis-sold at all. A poster on another forum reently claimed that they were being pushed into making a claim when they believed no mis-selling had taken place: Scottish Trust Deeds - Help required Is your Trustee requiring that you allow them to make a claim? Who first brought up the subject of making a claim?

There seems to be a major issue with how the "equity" issue has been presented to those entering Trust Deeds over recent years. This situation has been magnified by the reduction in mortgage availability post "credit-crunch". There have been a stack of questions similar to yours answered on the forum of www.trust-deed.co.uk and some of the answers provided by the independent experts featured may be of benefit to you. Is the equity you are being asked for based upon the current valuation of your property or the value at the start of the Trust Deed? How much are you being asked for? How much have you been paying into the Trust Deed each month?