Hi gillianr2 and congratulations on the news of the twins.

I'm sorry to hear that you're having such a difficult time financially with all of these unexpected costs.

Do you think that you're in a position to pay the trust deed, the mortgage and catch up on the mortgage arrears over time? Is there equity in the home at all?

Hi, I have spoken to the trustee this morning and needless to say she is very annoyed that no payments have been made due to all the financial problems we have been having. She said she is treating it as no co-operation. She also said that the LILA I applied for will be rejected because of the car being in my name and it being worht over 1k. I'm really baffled though because the aib seemed to think it would be ok if I could show receipts. Now i'm really panicked about it all and think the LILA wont go through and if it doesn't then we will be in even more trouble than we already are.

The trustee said she wont add on the missed payments to the end of the trust deed so we have to make arrangements for paying the arrears. The mortgage company are asking the arrears to be paid aswell and I have this LILA hanging over me. I can't see any way out of it all.

Hi Gillianr2

If the AiB has said that they are happy to accept receipts confirming that the car belongs to your husband, I don't think you will have a problem.

I would suggest writing to your husband's trustee explaining the situation in full. Explain that you have had unexpected costs to pay (list them in full), your benefits have been cut (tell them how much by) and that the mortgage company are looking for the arrears too. I would also advise your husband's trustee that you are pregnant, expecting twins, and that your expenditure is going to increase significantly in the future. It may be that she looks at matters differently once she sees all the figures in black and white.

Please let us know how you get on.

Julie

Thanks Julie, We have been emailing back and forth all morning. She is aware that i'm expecting twins and that my benefits have been cut but she said once the twins arrive I should get more child benefit and tax credits to help cover the cost of the twins. She said that we made an agreement at the outset to pay back X amount of money by the end of the trust deed and we have signed on this, meaning that we must adhere to this amount and the same figure must be paid at the end of the 3years. She said the arrears will have to be paid back asap and basically we are lucky that they aren't telling us to pay the whole amount upfront.

Hi gillianr2

Has your husband completed a current status report recently? If not I would suggest asking the trustee to send one out to you. In addition I would write on the form that your husband is unable to pay his contribution at present.

If however you are supposed to be buying the equity in the car from your husband's trustee and you are now unable to do so I would point out that the trustee is within their right to uplift the car. Whether they would do this or not however is a different matter as it may not be cost effective for them to do so.

If your trustee is treating your husband's case as non co-operation you may find that the trustee will resign anyway allowing your husband to petition for his own sequestration.

Julie