Welcome to the forum johnstonexx2000.

I'd simply suggest being completely open and complying with whatever requests are now made of you by the staff at your trust deed company.

Hopefully they'll accept that you've made a mistake and allow you to repay this sum via additional contributions at the end of the term you originally agreed.

Thanks for your response. I'm concerned that I'll never be able to finish with the trust deed and I'll have it forever. The other thing is that I am now married. I've not told the trust deed this as the debt is not hers and I had it before I met her. I've not told the trust deed and she is staying with me and paying for part of the rent. I take it if I tell them this then they'll take her wage into consideration as well...

Hi johnstonexx2000.

If someone else is helping out with the household bills (that you were previously paying in full) then it seems very fair that an increased contribution be made to the trust deed. If your trust deed provider is aware of this they'll probably want to look back at this retrospectively.

We're sometimes quick to criticise creditors on this forum on the occasions when they behave in an inappropriate fashion. However, the whole trust deed process depends upon the goodwill of creditors agreeing to trust deeds becoming protected. In return for that creditor agreement and goodwill, and their willingness to write-off large amounts of debt, I think they have an absolute right to receive the full amount that is affordable (in line with the agreement in the trust deed itself).

I'm not quite sure what to suggest to you. I guess you'll need to weigh up the risks of being open and forthcoming about this additional issue versus the risks of it being discovered without you having disclosed it.