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									Help needed - Scottish Trust Deed Forum				            </title>
            <link>https://trust-deed.co.uk/forum/scottish-trust-deed-forum/help-needed-4964/</link>
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                        <title>RE: Help needed</title>
                        <link>https://trust-deed.co.uk/forum/scottish-trust-deed-forum/help-needed-4964/paged/2/#post-58248</link>
                        <pubDate>Sat, 13 Jun 2020 16:03:32 +0000</pubDate>
                        <description><![CDATA[Your welcome Graeme, before you know it you will be like me and a couple of years into your plan. It is nerve racking awaiting everything being approved and setup but you will get there. My ...]]></description>
                        <content:encoded><![CDATA[Your welcome Graeme, before you know it you will be like me and a couple of years into your plan. It is nerve racking awaiting everything being approved and setup but you will get there. My only regret was not sorting the problem sooner, but that is always easier said than done. It’s strange not using credit when you have been used to it, it can be a scary feeling but living within your means is an even better feeling. The future is looking a lot brighter for you now, just stick with it and seek further advice if needed. There are so many people out there that can help, if only everyone did really know that.]]></content:encoded>
						                            <category domain="https://trust-deed.co.uk/forum/scottish-trust-deed-forum/">Scottish Trust Deed Forum</category>                        <dc:creator>DASdude</dc:creator>
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				                    <item>
                        <title>RE: Help needed</title>
                        <link>https://trust-deed.co.uk/forum/scottish-trust-deed-forum/help-needed-4964/paged/2/#post-58247</link>
                        <pubDate>Sat, 13 Jun 2020 15:47:47 +0000</pubDate>
                        <description><![CDATA[Thank you, DASdude, that is reassuring. Hopefully, this will be the start of a new chapter. Once these debts are cleared, that&#039;s it. No more unsecured debt. It is so, very easy to get out of...]]></description>
                        <content:encoded><![CDATA[Thank you, DASdude, that is reassuring. Hopefully, this will be the start of a new chapter. Once these debts are cleared, that's it. No more unsecured debt. It is so, very easy to get out of control, Banks & Credit card companies throwing money at you. Once you are in, its often difficult to see a way out, without taking on more debt. I know my mental health has suffered, but, with people like you & the expert advisors, you have thrown me a lifeline, which up until Friday, I didn't even know was there. Thank you for your patientce & understanding. G]]></content:encoded>
						                            <category domain="https://trust-deed.co.uk/forum/scottish-trust-deed-forum/">Scottish Trust Deed Forum</category>                        <dc:creator>Graeme</dc:creator>
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                    </item>
				                    <item>
                        <title>RE: Help needed</title>
                        <link>https://trust-deed.co.uk/forum/scottish-trust-deed-forum/help-needed-4964/#post-58246</link>
                        <pubDate>Sat, 13 Jun 2020 15:36:14 +0000</pubDate>
                        <description><![CDATA[When I applied for DAS I padded my budget out to make allowances for things I expected coming up such as a boiler replacement and other expensive maintenance. This was accepted as long as I ...]]></description>
                        <content:encoded><![CDATA[When I applied for DAS I padded my budget out to make allowances for things I expected coming up such as a boiler replacement and other expensive maintenance. This was accepted as long as I gave an explanation but it did reduce my repayment which I will say is considerable already. You are already contracted to virgin now so that can’t be helped, it is a monthly payment unless you are within 14 days of commencing and can cancel it. I have learned to live frugally, or as cheap as possible allowing me to save so I can hopefully pay this DAS off much sooner, I spend a lot of times on forums and watching where I can increase income and reduce expenditure. I would definitely when Virgin is up look at cheaper alternatives if possible. I had one creditor out of several decline my DAS, this went to fair and reasonable test and the DAS was granted no problem. Try not to worry, the experts will be guiding you and will know what seems reasonable, if a DAS was not the way forward for whatever reason you still have options.]]></content:encoded>
						                            <category domain="https://trust-deed.co.uk/forum/scottish-trust-deed-forum/">Scottish Trust Deed Forum</category>                        <dc:creator>DASdude</dc:creator>
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                    </item>
				                    <item>
                        <title>RE: Help needed</title>
                        <link>https://trust-deed.co.uk/forum/scottish-trust-deed-forum/help-needed-4964/#post-58245</link>
                        <pubDate>Sat, 13 Jun 2020 14:50:57 +0000</pubDate>
                        <description><![CDATA[Thanks DASdude, I&#039;m really hopeful that the DAS is a good idea. At the moment I&#039;m earning £1700 per month - this did fluctuate upwards in the past with additional overtime, so, If that ever ...]]></description>
                        <content:encoded><![CDATA[Thanks DASdude, I'm really hopeful that the DAS is a good idea. At the moment I'm earning £1700 per month - this did fluctuate upwards in the past with additional overtime, so, If that ever returned, I would be willing to pay more each month to clear the debt off. I have a strong suspicion though, that not only won't the overtime come back, but, my employer may decide to change our terms & conditions. This is why I came up with the £600 figure of repayment each month. I have moved back home with my elderly father as he is unwell & with my Mum in a care home, I'm paying some of the bills. We have just signed up to a Virgin media contract for our services which is £126 per month!. Unfortunatley, this can't be altered now & I'm a bit concerened that this looks to be overly exxcesive. Do you think they would be happy to accept the £600 per month offer, or should I think again? Any advice greatly appreciated.Graeme]]></content:encoded>
						                            <category domain="https://trust-deed.co.uk/forum/scottish-trust-deed-forum/">Scottish Trust Deed Forum</category>                        <dc:creator>Graeme</dc:creator>
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				                    <item>
                        <title>RE: Help needed</title>
                        <link>https://trust-deed.co.uk/forum/scottish-trust-deed-forum/help-needed-4964/#post-58237</link>
                        <pubDate>Sat, 13 Jun 2020 11:25:57 +0000</pubDate>
                        <description><![CDATA[Hi Graeme,
	
	Delighted you have been in touch with an Expert and are getting the road started to becoming debt free. Don’t be too hard upon yourself I was like that also at the start, I soo...]]></description>
                        <content:encoded><![CDATA[Hi Graeme,
	
	Delighted you have been in touch with an Expert and are getting the road started to becoming debt free. Don’t be too hard upon yourself I was like that also at the start, I soon realised how much creditors actually don’t care about you and help perpetuate the debt cycle. Yes I am paying back all my debt but equally if I had to go bankrupt tomorrow I wouldn’t give it a second thought what I owe the creditors and that I was not paying them back the full amount. We end up down paths in life with some excellent choices and really poor choices but we are emotional beings always learning, life is not straightforward and throws us curveballs on a regular basis, some more than others. This is probably the best thing you have done in a long time for yourself, enjoy the moment and budgeting from now onwards.]]></content:encoded>
						                            <category domain="https://trust-deed.co.uk/forum/scottish-trust-deed-forum/">Scottish Trust Deed Forum</category>                        <dc:creator>DASdude</dc:creator>
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                    </item>
				                    <item>
                        <title>RE: Help needed</title>
                        <link>https://trust-deed.co.uk/forum/scottish-trust-deed-forum/help-needed-4964/#post-58236</link>
                        <pubDate>Sat, 13 Jun 2020 10:28:54 +0000</pubDate>
                        <description><![CDATA[Thank you, Dasdude. One of the team has been in touch &amp; already I am feeling a lot better. a DAS, does sound like the ideal option. It&#039;s all my own stupid fault &amp; I need to get my life back ...]]></description>
                        <content:encoded><![CDATA[Thank you, Dasdude. One of the team has been in touch & already I am feeling a lot better. a DAS, does sound like the ideal option. It's all my own stupid fault & I need to get my life back in check. Thanks for your very supportive reply - it means a lot. Graeme]]></content:encoded>
						                            <category domain="https://trust-deed.co.uk/forum/scottish-trust-deed-forum/">Scottish Trust Deed Forum</category>                        <dc:creator>Graeme</dc:creator>
                        <guid isPermaLink="true">https://trust-deed.co.uk/forum/scottish-trust-deed-forum/help-needed-4964/#post-58236</guid>
                    </item>
				                    <item>
                        <title>RE: Help needed</title>
                        <link>https://trust-deed.co.uk/forum/scottish-trust-deed-forum/help-needed-4964/#post-58235</link>
                        <pubDate>Sat, 13 Jun 2020 07:50:20 +0000</pubDate>
                        <description><![CDATA[If it is DAS you choose Graeme I can tell you it is a great solution. I was in a similar position to you a couple of years back, seeing the balance reduce every month in a DAS is a wonderful...]]></description>
                        <content:encoded><![CDATA[If it is DAS you choose Graeme I can tell you it is a great solution. I was in a similar position to you a couple of years back, seeing the balance reduce every month in a DAS is a wonderful thing and learning to live within my means, wish I learned these skills at a young age to save. All the best.]]></content:encoded>
						                            <category domain="https://trust-deed.co.uk/forum/scottish-trust-deed-forum/">Scottish Trust Deed Forum</category>                        <dc:creator>DASdude</dc:creator>
                        <guid isPermaLink="true">https://trust-deed.co.uk/forum/scottish-trust-deed-forum/help-needed-4964/#post-58235</guid>
                    </item>
				                    <item>
                        <title>RE: Help needed</title>
                        <link>https://trust-deed.co.uk/forum/scottish-trust-deed-forum/help-needed-4964/#post-58234</link>
                        <pubDate>Fri, 12 Jun 2020 17:59:28 +0000</pubDate>
                        <description><![CDATA[Thank you, Kevin. I can honestly say - this forum has been a lifesaver!
	
	Everyone&#039;s help &amp; advice is greatly appreciated.
	Best,
	Graeme]]></description>
                        <content:encoded><![CDATA[Thank you, Kevin. I can honestly say - this forum has been a lifesaver!
	
	Everyone's help & advice is greatly appreciated.
	Best,
	Graeme]]></content:encoded>
						                            <category domain="https://trust-deed.co.uk/forum/scottish-trust-deed-forum/">Scottish Trust Deed Forum</category>                        <dc:creator>Graeme</dc:creator>
                        <guid isPermaLink="true">https://trust-deed.co.uk/forum/scottish-trust-deed-forum/help-needed-4964/#post-58234</guid>
                    </item>
				                    <item>
                        <title>RE: Help needed</title>
                        <link>https://trust-deed.co.uk/forum/scottish-trust-deed-forum/help-needed-4964/#post-58233</link>
                        <pubDate>Fri, 12 Jun 2020 17:48:49 +0000</pubDate>
                        <description><![CDATA[I agree that DAS does appear to be a good option for you, Graeme. The interest and charges are frozen on your debts, so you know that every penny you pay in is reducing your balance.  I woul...]]></description>
                        <content:encoded><![CDATA[I agree that DAS does appear to be a good option for you, Graeme. The interest and charges are frozen on your debts, so you know that every penny you pay in is reducing your balance.  I would definitely recommend going through your budget with an expert, whether by clicking through on this forum or by approaching another money advice agency.  It's a fairly painless process I would say and you will feel a lot better afterwards.]]></content:encoded>
						                            <category domain="https://trust-deed.co.uk/forum/scottish-trust-deed-forum/">Scottish Trust Deed Forum</category>                        <dc:creator>Kevin Mapstone</dc:creator>
                        <guid isPermaLink="true">https://trust-deed.co.uk/forum/scottish-trust-deed-forum/help-needed-4964/#post-58233</guid>
                    </item>
				                    <item>
                        <title>RE: Help needed</title>
                        <link>https://trust-deed.co.uk/forum/scottish-trust-deed-forum/help-needed-4964/#post-58232</link>
                        <pubDate>Fri, 12 Jun 2020 14:24:37 +0000</pubDate>
                        <description><![CDATA[I&#039;m glad to hear that you&#039;re feeling more positive Graeme. There&#039;s always a way to resolve a debt problem, but we know it doesn&#039;t feel that way when someone is struggling by from month to mo...]]></description>
                        <content:encoded><![CDATA[I'm glad to hear that you're feeling more positive Graeme. There's always a way to resolve a debt problem, but we know it doesn't feel that way when someone is struggling by from month to month.
	
	DAS does seem like it could be a good option. If your income recovers it might be possible to clear your debts much sooner than would be the case with a trust deed or bankruptcy.]]></content:encoded>
						                            <category domain="https://trust-deed.co.uk/forum/scottish-trust-deed-forum/">Scottish Trust Deed Forum</category>                        <dc:creator>TDA (Debt Adviser)</dc:creator>
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