Nothing stopping you using the catalogue but remember even if money is tight you would still have to fund your payments to the catalogue and the trust deed. Can you afford the repayments to the catalogue if you got the fridge and washine machine?

Paul

Hi Lorryjo1983,

I feel your pain with the broken washing machine. Ours stopped working on the 18th December for a few days but we managed to get it working again thankfully without having to purchase a new one. It was a nightmare and showed us how much we used it.

Normally for something like this we would allow for a payment break with your Trust Deed payment to enable you to purchase new appliances. I'd give your Trustee a call to see if they are able to do something like this for you first of all. The likelihood is that any missed payments will be added onto the end of your agreement.

If they are not willing to consider this then you can utilise the catalogue to purchase new appliances providing you can afford to make the monthly repayments and it doesn't have an impact on your Trust Deed payments. If you're going to do this, be careful about how much the appliances will cost you in the long term. Some catalogues can charge way over the top for appliances.

My partner is going to pick up the slack but the catalogue is in my name that's what I wasn't sure about? Also, I had 2 catalogues with the same group, one of them is included in my TD and the other one is this zero balance one.

Also I have tried to get them fixed but they are that old the parts are now obsolete.

Have you tried using the catalogues? You may find the accounts frozen?

Paul

It's not frozen as I bought my daughter a bedding set just last week and paid it off 2 days later.

I'm just wary in case i'm breaching my TD terms.

Thanks everyone for your help btw, I'm too busy rabbitting on about myself!

Hi Lorryjo1983

Don't worry, the forum's the ideal place for rabbitting.

I think there was a similar post recently about post Trust Deed credit. Generally there are no restrictions in terms of the Trust Deed unlike in sequestration, the concern I suppose is taking on credit and then struggling to meet the Trust Deed or other ongoing living costs.

Good luck with the washing machine, otherwise its down to the nearest stream with the washboard and carbolic!

Mark

Thank you. The cost is around £700 for the two. I didn't go for the dearest. I think I will just order. Worried aint the word!!

Hi Lorryjo1983.

If your trustee would agree to it a payment break (made up with an extension) would certainly seem like the safest way to go about this.

I appreciate that you'll be in a hurry though to replace such important items.

Thanks for your reply. Do you think they would agree to this though?

I think they might Lorryjo1983.

I would give them a call in ask as there is no harm in asking. Advise them that you will provide receipts for the items purchased.

If you do call them, let us know how you get on.

They're very important items Lorryjo1983.

No harm in calling them to ask? It's understood that things like this can come up over a three year (or longer) period.

It's not in the interests of trustees or creditors for people to be forced to use credit for things they have little option other than to buy.