To me it sounds as if the trustee is letting you know that it's not just as simple as you asking to finish early and him saying 'Yes'.

From the bits of the letter that you've given us, it sounds as if he is asking for you to give him a full proposal for ending the TD early (That will probably include clear details of how much you are proposing to pay, where the funds are coming from, and why you want to pay it off early).

You might feel that you've already given him that information but - if I can be blunt - you'll need to set it our much more clearly than the way you've put it in your post here.

As for the other things the trustee's letter says, it sounds as if he's telling you that once he has a clear proposal from you, he'll have to send it to your creditors, to see whether they agree or not.

One of the things which the creditors, and the trustee, might need to look at is the fact that you agreed to a 4 year trust deed, and are bound to that agreement. You'll need to show why that agreement should be broken or changed. In your position, I'd be putting a lot of emphasis on the advantages for the creditors if they can get their money now, rather than waiting for another two years.

Finally, he's telling you that even if you do get agreement to pay the trust deed off early, and get your discharge etc, your credit record will still be affected for 6 years from the date you signed the trust deed. However, there are plenty of threads on this forum with advice about how to 'clean' up your credit file once the six years are up.

The reply does sound confusing, ibmstyle - though probably even more so on here as you are having to paraphrase it.

Candlewick's analysis seems like the most likely interpretation. Best call your trustee to clarify I think, as it is difficult to second guess what they are intending to say.