Welcome to the forum Annie76.

If the car is on hire purchase I'd assume that the insurance would have to compensate the insurer for their loss. I'm no expert on this, hopefully someone else can help, but I'm not sure what happens if you have already made a lot of payments towards the car. I'd advise checking with the finance provider.

It's tough getting finance for anything with an impaired credit rating. We have heard that there are firms that will finance vehicles for persons that are in trust deeds, but the rates reflect their perception of additional risk.

Talking to your trustee is important. They'll want you to get a vehicle somehow if it's essential for you to earn a living.

Thanks, I'll call them on Monday.

Hi All

Thought I'd give you an update on the outcome.

I called my Trustee and explained my dilema. I was advised to contact the finance company the hire purchase was through and ask if they would give me further credit to buy a replacement car, or if a member of my family could sign up for the credit and I pay them each month.

My parents and siblings are unaware I'm in a TD and unfortuntaley, my finance provider couldn't help me as they do not provide credit to people in TD's however they advised me to talk to a car dealer.

I went to a car dealership and secured finance with First Response. The interest rate is high but this is to be expected. I'm just grateful we managed to get a car.

Good luck to anyone else in the same situation. It has been a very stressful couple of weeks on top of trying to get over my injury however in the end the car problem is resolved.

When I've fully recovered I then have to get a very large bonus payment for my creditors in the form of a personal injury claim. (Hope that goes on my credit file lol)

Hi Annie76.

Not a pleasant situation at all, but I'm really glad to hear that you've been able to source a new vehicle.

How long until you are due to be discharged from your trust deed Annie76?

Just thinking you might be able to delay making your compensation claim until after you are discharged so that you get the benefit of your payout rather than your creditors.

Depends on timescales as I believe that such claims have to be made within a certain period after the accident, but worth looking into?

Glad you got another car, and it is a helpful piece of information for others.

Hi Kevin

I have two years to go until the Trust Deed ends. I could wait until then before making a claim but don't want to be dishonest. Would waiting be considered as fraud?

I did not begin claim proceedings as this was the furthest from my thoughts but the third party insurance company has telephoned me directly and offered me £20,000 (fractured back). I refused this offer and told them I wanted to wait to see if I regain full use of my leg and make a complete recovery. I'm now back at work full-time but seven weeks on from the accident, I am still on strong painkillers.

Thanks to all for your comments, it really is a relief to know the forum is here to help.

Hi Annie76.

This may be a tough one for you to weigh up. I can see why you might wait to claim.

If you have expenses related to the claim, perhaps for ongoing care and attention related to your injuries, you may be allowed to keep a proportion of an injury claim while in a trust deed.

I'm not sure there is a potential fraud issue here, but I'm not a legal adviser.