Hope you can help.
I have a Trust Deed
It is for 3 years. The 3 years are up in May, which in theory, is when I should make my last payment. Whilst paying my dues, I took a better but lower paid job. My trustees allowed me to reduce my payments each month whilst on the probation period at work, after which the wages went up, and my payments to trustee went back to what they were. Also, 6 months ago, I married and my husband moved in with me.
I know trustee will probably extend my deed,(and I am prepared for that) will it just be for 6 months to cover the 6 months I made lower payments? And will the amount be just the shortfall for those 6 months?I may also have missed 1 or 2 payments in the past but for the last 2 of the 3 years, have paid all on time.
My new husband has nothing to do with my debt, I didn't even know him then, so I am reluctant to put his details down on the latest income/expenditure.(Why should he be liable for something that has nothing to do with him) He does know about all of this, and he just tells me not to worry. Though we now live together, my disposable income has not changed. We have separate bank accounts as obviously I am unable to open a joint one.
I am worried about this, and am wondering if anyone can give any advice at all?
I am going to phone my trustee today or tomoro to find out what they say, but I would like any info you can give. Forewarned is forearmed as they say.(Even if I won't want to hear it)
I also apologise for the long winded story.
Thank you for reading.