Hi everyone, I entered a trust deed in 2005 and was the best thing I ever did, however I went to get a mortgage just a few days ago May 2010 and was told by my bank that due to the credit crunch my bank have brought a policy out stating that they will not deal with anyone who has had a trust deed in the past. I have tried many other mortgage lenders and they have the same attitude most stating you must be discharged from your trust deed for at least 3 years!!. I moved to the Middle East to work for just over 4 years in 2005 and when I returned to the UK and tried to get back on to the mainstream housing market I found out that my trust deed advisors did not go through the discharge process until I questioned them about a letter of confirmation that my time was up and should be fully discharged. This took another 3 months to get but even now I cant get a simple credit card never mind a mortgage I earn 6000 GBP a month I have never defaulted on anything since I entered my trust deed in 2005. I have also been told by a finance company that I am better to some credit cards or car loan or something that way it shows that you are managing your finance! I went the complete other way in making sure I would never get in to debt again but the crazy system that runs our finance if you are eligible or not(a computer)must be looked at as here you have someone who is now being responsible with debts but when you try and get your life back you actually get punished by the system. Bring back the human caring factor to the deciding element of the process !!!!