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Topic starter
20/09/2013 5:00 pm
I have just spoken to my case worker for the first time in a while and have found out that I dont finish in Feb 14 as I thought but have to go till October. Thats my mistake I guess and thought ok I can do a few more months. The very distressing thing is that I found out that I might be extended to 5 years. I had my child tax credits cut to £0 when my eldest went to uni and I earn £231 more than the limit. So I lost £180. I informed my deed people and was told they would reduce payments by 100. That was 2 years ago and I find today that even though it wasnt my fault I will be extended to pay the original amount. Another 2 years!!!!!. I cant imagine how I can do another 2 years. My kids and I have had no holiday for 4 years, car is old etc etc.
Your all going to say its my fault, please don't. I try every day to get by and pay my dues, I work hard in NHS and have had no pay rise for 4 years but I just don't know how I can survive another 2 years.
Why does it have to be like this.
Am totally devastated
R
Rachel:)
20/09/2013 5:10 pm
Hi Rach68.
Nobody's going to say that it's your fault. It clearly isn't and I can see why you'd be upset and frustrated.
It sounds as though your trustee has concluded that the creditors should still receive what was promised to them at the start, the estimate that they accepted, in return for the remainder of your debts being written off. I can understand this position but equally understand that it's not what you would have hoped for.
Qualified Debt Adviser & Forum Administrator - Ask me anything about Trust Deeds 
Topic starter
20/09/2013 5:18 pm
Oh I can see all that too and remain grateful for the deed as it is. Its just I really dont know if I can do another 2 years with nothing for kids and constant struggle working every hour day and night with no respite. The light at the end of my 3 year tunnel has been snuffed out.
I'm so tired of feeling like a worthless criminal when as a result of a mentally abusive relationship I've been left like this and struggle to do the right thing.
Rachel:)
20/09/2013 7:36 pm
Hi Rachel, Have you tried appealing to your case worker? I had to reduce payments drastically to my TD when ex husband wasn't working and couldn't pay agreed maintenance. When i called to reinstate normal amount they said they would have to extend the period of the TD to clear arears. I was in tears at the thought of 5 years and told her so. I had kept up all my payments and reduction in amount was out of my control. She came back to me 2 days later to tell me that they had agreed i could complete in the originally agreed 3 yrs. Worth a try. Good luck!
