I wish I had found this site before my TD as the information has been invaluable. I like many others am sure ended up treading water through no-one else's fault but my own. When I contacted the firm I used I was at the end of the line and the person I dealt with reassured me that I was following the best option to sort my problems out. I don't doubt that for many people their TD has been without problems and finished on time etc. However, I am astounded by some of the problems that are posted on here. I trusted the person that set my TD up, however whilst I realise I made mistakes, I know that the Trustees did too. I believe it is THEIR job to ensure that we understand in full the implications and procedures involved in setting up a TD and I genuinely believe that they misled me over several issues. One of which is going to cost me more money in the long run repaying a loan to my parents. Despite what I can see now are clear contradictions in some of the paperwork to verbal conversations. I'd like to offer some advice, read everything before you sign it and read everything sent to you afterwards. If anything doesn't seem clear then get it clarified as it can't be fixed later. I know I was complacent in that I trusted the people I dealt with and assumed everything was fine. Sailed through 3 years of payments believing I knew what needed done at the end of it, when my Trustees had a very different plan for me. But like I say that was my fault for not reading what I was sent afterwards properly. Thank you again to all who post on here, I wish I'd found you sooner [:)]