i would suggest asking your girlfriends mum to write a letter if she knows about the trust deed to your trustee explaining that she purchased it for you, also you should sent a letter to them or email them yourself explaining that you missed a number of items of your review and highlight the ones you can on a copy of a bank statement and explain that you also need a montly amount towards the up keep of the car which if this was in your last review then you should already have a figure in mind, i always took the cost of road tax, mot and possible repairs based on advisories from previous mots added together and devided by 12. you need to remember that on top of your debts is the trustees fee usally 2-4 thousand pounds and when signing a trust deed you agree to paying any surplus income, you should really consider listing absolutly everything on your reveiw and tell your trustee if anything changes, if your pot were to overflow at the end i am sure you would get the left over, you should get statements as to how much you have paid in over the time and im sure you could approach your trustee to end early if everything is paid off including the fees.

Welcome to the trust deed forum jagos.

As gemgem says, your trust deed payment should be based upon affordability including all of your essential expenditure. If you have missed essential elements of expenditure from your review you should go back and ask for everything to be reassessed.

Given the circumstances I doubt there will be an issue with the car.

It would appear that the trust deed provider you selected has extended the term to four years to cover their fees. It might have been possible previously to find a company that would have handled this over a shorter term (because they charged a lower fee). You're not paying "too much" in terms of your debt level though, the monthly payment is based on affordability and the term is based on the agreement between you/your Trustee/your creditors.

Thank you both for the advice. I will phone them today and say i wish to reassess my review as i have the original monthly income and expenditure statement which shows the stuff i missed and my income has not changed. Thanks again it is much appreciated when you dont know the ins and outs.

Hope it goes well for you and is sorted as fast as possible.

thank you gemgem, phoned them yesterday and they are sending the review back out to fill in again. i also explained about the car and they are happy with my girlfriends mum writing a letter just to explain she purchased the car so will let you know how i get on.

That's great news, it sounds like it's all coming together, I would also suggest putting in say £50 or something for the up keep of your children and travel expense if you have to collect them when they stay with you, let's face it worst case the trustee does not allow that much or nothing at all, however if you don't ask you don't get. Hope it goes well, let us know how you get on.

thanks again for all advice given. gemgem just to let you know i re-completed my annual form when sent back to me with letter about car situation and have just recieved a letter from my trust deed stating no changes to payments. Its good to know now that my payments are staying the same as i could not afford more than what i pay already.

Well done jagos, I'm glad that your work has resulted in an outcome that you're satisfied with.

Well done to gemgem for helping to make it happen as well.

Really pleased it all worked out for you, it's nice to see some positive outcomes.