Hi Bruce.

If you'd paid £500 you'd be in the exact same position, apart from having paid out an extra £500.

Maybe, though I ask again if Mark of the helpful staff from PJG could supply minutes from initial meeting. I'll leave it there for now.

I'd suggest you contact them next week Bruce to see if they're able to help with this. If they don't hold the documentation it should be with CreditFix so one way or another I'm sure you'll get a copy in time.

Looking at the content of this thread I'm unsure whether anyone from PJG will feel able to contribute to it here.

I'm also unsure why anyone from PJG cant contribute to the thread. I will try to get a response next week.

If you read back though, CF has stated that they have no corespondence pre-trust deed paperwork. So I'm concerned that it may have gone 'missing'.

There's a data migration process going on Bruce.

We don't know at what stage that is, but there's no reason to suppose anything is lost.

Ok TDA. Thanks for your input. I admire your optomism, though I cant share it. If everything turns out how we hope it will, I am more than prepared to come back on here and say I was making a mountain from a molehill. I will say, though that if this episode didn't involve one of the sponsored companies then the replys would have been more forthcoming.

I'll be brutally honest.

I don't understand why people put so much effort into writing on forums, and so little effort into writing to the trustee - who is the only person who can give a definitive answer to their questions.

If I were in the position of those who are worried about the transfer of their trust deed from one company to another, I would not be posting endlessly on a public forum about 'what ifs' and 'buts' or 'maybes'.

I'd be composing a letter to my trustee, to be sent recorded delivery.

That letter would refer to, and enclose copies of:

- all paperwork to do with anything agreed with my original trustee

- copies of statements made publicly by the original trustee organisation, and the new trustee organisation, about respecting the original agreement (said statements having been published on this website)

The letter would also include:

- a statement of my confidence that the new trustee would abide by the original agreement, especially given their public statement that they would do so.

- a request for them to let me know - by return - their timescales for responding in detail to the questions raised.

I understand that not everyone feels confident about putting their thoughts in writing.

However, if people are capable of putting their thoughts in writing on a forum, they are capable of doing so to their trustee.

Especially when the trustee is the only person who can give them a definitive answer.

Well I'm hardly going to write a letter saying " hi. By the way just to let you know ive probably got ten grand equity after 3 years of mortgage payments. I just want to make sure you won't be asking me for it at the end of my trust deed. " it has already been asked in writing by one of the other posters who got the reply saying there would be another valuation. That is what has caused my concerns.

I dont want to make any contact. I thought I had 5 payments to go. Keep my head down make the payments. Job done move on. Ive never contacted pjg during past 2.5 years either I just make the payments and do reviews etc as agreed.

Im guessing from the lack of a yes or no answer that the answer is yes but no one wants to cause alarm to folk until such a scenario might happen?

Anyway I get the feeling that this subject is not welcome so I'll just leave it. I think I will get legal advice just now so I know where I stand.

Thanks anyway

Well I'm hardly going to write a letter saying " hi. By the way just to let you know ive probably got ten grand equity after 3 years of mortgage payments. I just want to make sure you won't be asking me for it at the end of my trust deed. " it has already been asked in writing by one of the other posters who got the reply saying there would be another valuation. That is what has caused my concerns.

I dont want to make any contact. I thought I had 5 payments to go. Keep my head down make the payments. Job done move on. Ive never contacted pjg during past 2.5 years either I just make the payments and do reviews etc as agreed.

Im guessing from the lack of a yes or no answer that the answer is yes but no one wants to cause alarm to folk until such a scenario might happen?

Anyway I get the feeling that this subject is not welcome so I'll just leave it. I think I will get legal advice just now so I know where I stand.

Thanks anyway

Bruce - irrespective of the company involved the answers would have been exactly the same. Only your new trustee can definitively answer these questions.

Steve1984 - your assumption about the yes/no is incorrect. My answer is exactly as I wrote it, as I'm sure David's answer was as well. However many times we run through variations of the same question, there's only one place from which you'll receive the answer that you need. The fact that the experts here are stating that position over and over again doesn't mean this subject isn't welcome here - it just means that we believe this to be the only useful answer to the question.

Candlewick isn't connected to the site or any of the firms here. I don't know who Candlewick is, but they're clearly professionally well informed about the subjects we discuss here. Candlewick is echoing what's been said by others here that do this for a living - it's going to have to be worked out with the new trustee.

Thank you Candlewick for your comments. I think maybe people are just worried. I was concerned to read this thread tonight and the comments about equity.

I have just read a reply I got from Credit Fix via email. They confirmed that at the end of my TD I would have £1070 to pay (either as a lump sum or extension ) and when that had been paid they would have no further interest in the house.

'The equity in your property was calculated at £1,078.75. PJG then rounded this figure to £1,070. The equity of £1,070 can be paid by a lump sum at the end of your contribution term or by an extension.

So I am hopefully assuming that means no further valuation or other unexpected equity questions.

Can I ask the experts - Can I use this email as written confirmation ?

Thanks for your help

Or should I really ask for a letter confirming this?

Well that's certainly an encouraging development. People are just worried by the uncertainty just now and after having a day or two to mull things over I'm going to do as advised by the experts and see how things develop. I have still have a fair way to go so no doubt by the time mine gets to the end I will be well aware of what to expect.

Hi ann910.

Whenever we write about getting things in writing it's just so you have evidence, in a durable medium, of what a named person at a named company on a certain date told you.

I'm not sure it matters greatly whether that's email or on a letter so long as it does that.

Good to see that everything is running just as agreed at the start.