Hi everyone,

I was reading Callie's thread about her benefit situation & was not sure wether to jump into her thread or start this new 1 as i also have a similar question about benefits.

to be honest this doesnt really matter for me anymore as i only have a few payments left before discharge, but as a matter of curiosity i wonder wether i was properly advised.

my trust deed started in 2009 for £44,000 i think.
i joint own a home with a friend that had £1000 equity so my share would be £500.
i am on long time sickness benefits ESA(at that time it was called incapacity) Income Support, & DLA.
i have no other assets or car or income.

i was advised by North Lanarkshire Council Money advice service that a trust deed of 3 years paying £210 from my benefits was the correct course of action.

any thoughts if this was the correct option for me or if bankrupcy would have been better?
i cant remember at the time but i dont think any other options were ever discussed.
i was just curious as so many of you were saying to Callie that might have been a better option for her & thought i may have been wrongly advised which is a bit of a pain seeing as how iv struggled for 3 yrs to keep up the payments. its a bit late now though lol, wish i had found this great site sooner!

thanks

martin