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Scottish Trust Deed Forum
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Topic starter
24/06/2014 5:14 am
I have been told that my trust deed will fail and I feel that the only way out is suicide (everything was fine when I started the trust deed but I had to give up my job to look after my elderly mother (I had lived with her for over 45 years), she died, I was unemployed, then found a badly paid job, then had to leave job due to depression, denied JSA as they said depression not good enough reason to give up job, then unemployed, then had to move to England (I hated leaving my old town) to live with sister, had periodic jobs, then found full time job but thrown out by sister with clothes on back - had to find flat and furnish it with second hand stuff and now thet are testing me for bladder cancer - I swear a soap opera had nothing on my life) I have always paid something into trust deed but now they say the trust deed will fail and I feel like there is nothing left to go on for with this this hanging over my head - what can I do
24/06/2014 7:12 am
Good morning Eleanor and welcome to the forum. It sounds as though you've had a terrible time recently and I can understand why this recent news will have left you feeling very worried and low.
By far the most important thing here is your health and wellbeing. If you haven't already I'd urge you to contact your GP today so that you can get some help with the feelings you're having at the moment.
I'm sure there will be plenty of people reading your post today who have shared similar feelings at some point in the past. I do hope that some of them will share some support with you.
I'm wary to talk too much about the trust deed right now, but please be assured that if it fails it really needn't be a massive issue. There will be another way to tackle the debts. My team will be happy to help you identify that way if you'd like us to.
Qualified Debt Adviser & Forum Administrator - Ask me anything about Trust Deeds 
24/06/2014 8:36 am
Morning Eleanor
My heart goes out to you having to struggle through all these hardships.
Please, please please go to your GP and explain that you are having these thoughts.
If your Trust Deed fails, as TDA says it is not the end of the world, there are other ways to deal with your debt and I am sure one of the expert's will be along shortly to offer you some advice.
But, please see your GP and if you can (as I know how difficult it is when you suffer from depression) let us know how you get on.
24/06/2014 10:50 am
There is a way forward for you, Eleano, so please try and hold on to that.
In terms of your debt situation, if your Trust Deed cannot be completed then there could be a relatively simple alternative which will have the same effect. There are experts her that can help talk you through what might be possible.
As Trust Deed Assistant says, your mental and physical wellbeing is top priority, so please do seek some help with this.
Scottish Debt Solutions Expert - Ask me for help setting up a Scottish Trust Deed or Debt Arrangement Scheme plan.
25/06/2014 9:08 am
Hang on in there , there are always options , glad you came to the forum . but your wellbeing should be your priority , I am glad that I kept on , and I wish you better days very soon .
25/06/2014 9:23 am
Life is precious and debts are just debts. Bankruptcy could be an option for you but first lets get the dark thoughts out of your head. If you can talk to your GP great, if not samaritans, us, anybody will do for listening. Are you on talking terms with your sister again?
Paul
Trust deed completed Jan 2012,Trustee discharge Nov 2012.
A new dawn.
25/06/2014 11:26 am
Hi Eleanor,
I'm sorry to hear of the extremely difficult time that you have had recently.
As others have said it's a good idea to try and speak with your GP, the Samaritans or anyone who you feel comfortable with about the problems that you are experiencing and the things that are troubling you. The hardest thing can be picking up the phone and asking for help but when you do there a loads of people who are happy and willing to help.
Dealing with debt can often feel very overpowering and people often feel like they have no way out the there is so please try to focus on that.
At the moment your Trust Deed will still be in place which has given you legal protection from your debts. If you are then released from your Trust Deed you could consider Bankruptcy as a way to clear the debt that you have. As soon as the word Bankruptcy is mentioned it really does put fear into people but it can be a very straight forward process. If your unemployed or on a minimum income then your Bankruptcy would last for 1 year, you wouldn't be required to make any payments and at the end of the 1 year period you would be automatically discharged from your debts and the Bankruptcy. No one would control any income that you had, no one would control any bank account either.
The positive thing to try and focus on is that Bankruptcy in Scotland is designed to provide the debt relief to people who are really struggling and require it to help them clear their debts which they are not going to be able to repay in any other way.
You will find a lot of support on this forum so please don't hesitate to speak with us about anything that your worried about.
David is not currently posting in the Trust-Deed.co.uk forum
25/06/2014 9:00 pm
Eleanor, i have those thoughts over debits, please get such thoughts out of your head, look at the lovely replies you have had from the experts, you need to be thinking of your health not your debits.
Be kind to yourself and if you find it hard to talk to people, then e-mail is the way forward until you feel stronger
Pink and fluffy and proud
