If you want, it's also good to let others know who you were with and whether you would recommend them.

I paid my final payment to my TD on 30th June. When should I expect to hear from them to confirm everything? Or are they other steps? 

I’m so giddy that it’s DONE but nervous until it’s all confirmed to be really really done. 

Any help is much appreciated. 

Thanks for the reply and the well wishes - much appreciated! 

Thats the way I'm swaying now, just to pay last 8 and be done with it. As I don't feel like I'm getting all the info to make the best informed decision, I feel they are holding back and that makes me nervous they'll try push me in a direction I don't want to go in. 

Thanks for the reply again! 

You're right to be cautious of the impact of the decision you make. From the sound of it, you're still absent some information from your TD adviser. If you are seeking to reduce your remaining payments, they should be clear with you about the process, what this does to your term, what impact this will have on your TD and whether you can satisfy the terms of your trust deed under any of this.

If you can get this information, come back and see if anyone can help. Without this, if it was me, I'd make the last 8 payments and be done with it. 

Good luck with whatever you decide. And well done for getting to this point. Also, congratulations on the pregnancy!

If at any point you are struggling with your payments, I would like to remind you that we can look at reducing them, or ending them completely. There are also other debt solutions that might be more suitable for you, for example a Debt Relief Order, or Bankruptcy.

As requested, I will not make any changes to your current payments at this time, but if you would like any more information about these options, please contact us."

I'm not sure if I was right/wrong to say I can pay the £100 or not, as if I can't my boyfriend sends me the money if I'm short at the end of the month. I guess I sort of panicked as I didn't want it to potentially fail after 3 years so I've agreed to £100 per month. 

Now, a little backstory and update, I am 25 weeks pregnant and I am due to go on maternity leave as early as first week of December, I contacted Trust Deed advisor who completed my 3rd year review and he's replied:

"As per below email, I would request to provide the evidence of the maternity pay, paperwork MACB1 by early December.

 Also, as from December , please provide 3 months of bank statements." then said "Now, if you will take payment break for maternity or close your file, we need to do a review first to re-assess your affordability."

I can send him my MATB1 and 3 months bank statements but I am still concerned I've got this far and it might fail with only 8 months to go. I don't want to take a payment break as I want it ended sooner than later and I don't want to prolong it unnecessarily, I don't another debt solution or a Debt Relief Order that stays on my credit file for another 6 years. And I definitely don't want to file for bankruptcy over £800.

I know it's only £800, I guess I'm trying to work out if it's worth trying to get the payment reduced or "end it completely" like the advisor said. What can he offer? 

My circumstances now, I'm now sole employee that my partner is director of and due to struggles, we've cut my salary to part-time. I know the numbers will literally show I can't afford it (as the advisor said, my full-time salary showed I couldn't afford it with my half of our private rental). 

Should I just deal with the last 8 payments? As my partner thinks theres no point in stressing and sending info over for them to possibly force me down another route when I'm so close to the end. If anyone knows what the might offer or end it completely, I'm so open to hear your advice. 

Thank you for reading and all feedback is welcome! 

Your partner may be better off applying in their sole name, though the lending decision would then be based purely on their sole income so I suppose this may cause a problem too.

Your question is obviously one that very many people are grappling lately.  Firstly, there is no minimum amount that is required.  At the point when you sign the Trust Deed, if your proposed repayments are low then creditors may reject the proposals, which is probably where you have got this minimum figure from.  However, once the Trust Deed is in place and protected then it is up to your Trustee to ascertain how much you can afford to pay and collect this from you.  This figure can go up or down depending on circumstances.

if you can no longer afford to make the agreed payments then you should contact your trustee with evidence of the increases to your outgoings and ask then to reassess how much you have to pay.  They may agree o reduce it, though may also expect you to continue to cut some corners here and there as a compromise so that some kind of payment is sill available.