Well after nearly two years of pulling my hair out with stress, I owe a huge thanks to Kevin for setting up a Trust Deed that did not have a straight forward starting point...

My mortgage does not have a formal repayment vehicle. I am one of the "mortgage prisoners" you may have read about from the bad old days of Northern Rock and the 2008 financial crash. I only have 11 years left of the term and have been making overpayments on top of the contractual interest only payment. Having stupidly got myself into a financial mess again, it was clear that I needed to enter another Trust Deed. My issue was that like last time, I feared I would have to give up paying anything on my mortgage for the next 4 years that the Trust Deed was in place, meaning I would then have only 7 years to clear my mortgage when I exited the Trust Deed. At a sum of £72k, that would have looked very bleak.

However, thanks to Kevin's pragmatism and excellent negotiation skills, my debtors have agreed to me continuing to overpay the mortgage as I am currently. I cannot put into words how much of a difference this makes to my medium to longer term future as my home was under threat.

Thousands of folk are out there who are mortgage prisoners thanks to being missold mortgages from the years leading upto the financial crash in 2008. A significant chunk of them will have no repayment vehicle and are more likely to fall into debt due to higher interest payments required on a mortgage they are unable to move. I just hope that my own case perhaps sets a precedent for anyone who is in that position and is needing a debt solution. When I first approached Kevin, he wasn't aware of a similar case so there were no guarantees what the creditors response would be. They were effectively being asked to pass up on a sum that would have resulted in them getting an additional £19k towards the debts.

Kevin - I cannot thank you enough.