Hi me and my wife have been on a trust deed for 3 years and now we have been informed that the company we are dealing with wants to extend it a further 2 years . Now the background to us starting a trust deed was we are both self employed and ran into money trouble we started a DMP and then we were contacted by a company who said that our debts would be gone after 3 years if we went on a trust deed . So we agreed for a advisor to come to our home and explain everything to us . Now we had a loan out on our home which would be finished in 2 years and our mortgage was are repayment one and we were told by the advisor that we wouldn't need to inform the trust deed that the loan was finished as they would look for more money . And we asked the advisor as the loan and our mortgage being repayment our total mortgage would be coming down every year and we could end up with equity and he told us not to worry about it as after 3 years it would all be over . So we said okay we will go for it now as I have said above they want to extend it another 2 years as we have a big amount of equity . Now I have looked at our paper work which we have received over the last 3 years and it shows the company dealing with this have taken something like 70-75% of our money in charges which means the companies we owed the money to have received a very little amount . My worry is that in 2 years time our mortgage would have come down more and they would want to extend it more as it really benefits the trust deed company to prolong this as they are getting thousands through charges . And by the end of the 5 years my wife would have paid her total debt that she started with . Now my question is am I allowed to contact the company's we owed money to and offer them more in the pound to cut out the trust deed company as the company we owe money to will get more that way ??.