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Scottish Trust Deed Forum
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Topic starter
09/03/2011 7:43 pm
Hi all,
Since my last post looking for advice I have contacted my trust deed company who took a new income and expenditure from me.
I am a bit confused about something and wondered if anyone could shed any light on it? When going through my expenses, I told her my phone charges. She told me they wouldn't be counted as they weren't "essential". My confusion is because in my previous income/expenditure these cost were included. I also consider them essential as I care for my ill partner and must have a phone to contact her consultants etc. when required, therefore should they not allow me the expense?
Thank you in advance!
09/03/2011 7:52 pm
Seems strange to me, I originally said I would give up my mobile contract when signing my TD but the IP told me to keep it as it was a reasonable cost.
Is the cost really expensive/indulgent or is it pretty competitive?
Topic starter
09/03/2011 7:56 pm
I would say it's competitive as I went for the cheapest I could find! I just don't understand why they would include it initially but won't let me do it now... almost seems as though they are cutting out what they can since my income decreased!
Topic starter
09/03/2011 7:58 pm
In addition to above, my phone is the same price as it was when it was included in my TD document!
09/03/2011 8:01 pm
It does seem unfair to me but maybe when income drops they assess whats essential differently.
On paper it would make sense that they cut out some 'luxuries' when income drops to enable you to pay into the TD, but in your case I would hardly call that a luxury...
I am sure one of the experts on here will be along and let you know where you stand legally.
09/03/2011 8:22 pm
Hi.
I think most people would agree some level of phone expenditure is necessary.
Creditors certainly do, so it's not an easy position to understand.
Qualified Debt Adviser & Forum Administrator - Ask me anything about Trust Deeds 
09/03/2011 10:30 pm
My phone expenditure was the subject of some to-ing at protection time due to it being over the threshold a couple of my creditors were prepared to accept. They lump together the landline and mobile costs when deciding if it's reasonable. Eventually we reached an agreed figure.
Also, they were prepared to accept it would be higher because 2 of my children are if an age where they need a mobile for emergencies.
Cheers,
DFW
09/03/2011 10:32 pm
...and fro-ing...
10/03/2011 9:07 am
Hi whitehouse19.
After they disallowed the phone expenditure was any "surplus" remaining that would allow you to make a payment into the trust deed?
Qualified Debt Adviser & Forum Administrator - Ask me anything about Trust Deeds
10/03/2011 9:20 am
Hi whitehouse19
I'm not sure why the phone expenditure would be disallowed if it was shown on the original paperwork. Out of curiosity how much is your phone expenditure?
Julie
Julie is not currently posting in the Trust-Deed.co.uk forum.
Topic starter
11/03/2011 4:07 pm
Hi all,
Sorry for delay in getting back. I said my phone expenditure was ?ú30 a month. Also, yes there would still have been some money left.
🙂
11/03/2011 5:02 pm
Hi whitehouse19.
That figure of ?ú30 is well within what creditors would normally consider to be reasonable.
How much surplus are they currently assessing?
How much was the trust deed payment before?
Qualified Debt Adviser & Forum Administrator - Ask me anything about Trust Deeds
