Hi custardcream.

It's normal that some changes, upwards and downwards, are suggested to a client in advance of them starting a trust deed. The aim is to strike a balance to ensure that you are OK during the term of the trust deed and that creditors perceive you are doing what you can to repay what you can afford.

During and after the trust deed you'll have access to the information about what money has been distributed to your creditors. Based upon what I'm reading I really don't think that you need to fear that the extra is being used to boost fee levels, but you'll have access to the information needed to confirm that this isn't the case. You can certainly ask to see the TIX communication if you wish to and your trust deed firm may oblige.

It isn't going to be possible to change trust deed firm at this stage. Once you have signed the trust deed you are bound by it. It looks like you are prepared to pay the additional amount (?) and it looks likely that the trust deed will become protected on that basis if you do.

Thanks all,

Yes I am going to need to take the financial hit on this one and go ahead with the trust deed with the extra £75/m. I should be able to afford this extra payment, I am just a bit annoyed that I have been asked for more at this stage, and need to put it out of my mind that my trustee has caused me to need to pay this for some reason. I trusted them to adjust figured up and down as they are the experts, I accept their advice and recommendations, and it was done as an effort to 'best fit' my income and expenditure while keeping the amounts below the limits, or least thats what I was told.

Nevermind, as long as it is protected that is the main thing that concerned me. It just means the creditors will now get 23p in the £ instead of 18p.

Hi custardcream.

I know it would ideally be good if everything can gone ahead in the way is was initially anticipated, but creditors can and do ask for things to be amended sometimes.

Please do let us know how everything goes. Hopefully you'll be in a protected trust deed within a very short period of time from here.