Hi folks - a bit of a long one...

I am looking for some advice. In 2007 I signed a trust deed with one of the larger companies. To be honest I didn't realise what I was doing at the time. I was bogged down with debt and I arranged to see an advisor through my local authorty. I asked about a debt repayment plan and she said that she would arrange for someone to contact me. A couple of weeks later I met a guy who said I should sign a trust deed. The information was vague but it did sound good. I signed on the dotted line (bad I know without checking but it offered me a way out).

Anyway, I started payments the next month and three months later I received a letter saying my trust deed could not be protected. I started paying ?ú300. I phoned the company and said that I could double this to ?ú600.00 if I moved in with my partner. A couple of months later I received a letter saying that it was now protected on ?ú600.00. I checked with the register of bankrupcy and it was entered from June 2008. So what happens with the 6 months I already paid?

Anyway, I am in my 3rd year but I reduced my payments to ?ú500.00 as I moved out of my partners house into my own flat. But the thing is I have never received a copy of my trust deed or any information on what I should be doing. Is this normal? For all I know I could be paying this money for nothing!

I have never told my partner but not he wants to sell his flat and get a joint mortgage. I don't know what to do. I don't feel as though I can tell him about the trust deed but I know we can't get a joint mortgage either. Its such a mess. Any help would be greatly appreciated.