Hi HELP_Stressed,

I think from your message today and the timing of your previous post I can infer the timeline and course of your trust deed. If I'm correct then there are a number of genuinely good people who made the transfer along with your trust deed. Don't hesitate to get in touch with us directly if there's an apparently resolvable issue and you'd like us to bring it to the attention of contacts. A transfer of a trust deed can be very unsettling and we're especially conscious of this after a few years of significant "consolidation" within the Scottish personal insolvency industry.

The subject of paying for IVF during a trust deed feels very difficult and complex. A trustee has a legal and regulatory responsibility to collect in funds that are reasonably available to help repay creditors. It's clearly entirely reasonable for someone to want and/or feel a need for IVF, but there's an obvious tension there with a significant sum of money being involved that might have been used to repay debt otherwise.

This might be an entirely useless and unhelpful comment in terms of your own personal context (apologies if that's the case) but it could all be a non-issue if a third party was funding the IVF process.

Thanks TDA,
Yes in refence to being sold on etc. I'd strictly not name any firms etc, as it would be unfair and one sided & to be fair it's early days and covid19 has everyone under pressure so perspectives can be skewed. . I'm perhaps a little sensitive around this as (apart form obvious personal reasonability issues etc) profit making (by CC & loan company's) from debt and its commoditisation is a big reason why people end up in TD arrangements. The engagement from the initial firm and advisor ( in particular) was superb, and vary fair to creditors - with some appropriate flexibility. The company & individual deserved all & any fees generated. Being packaged up and sold on doesn't sit right , but that's business I suppose.

Anyway - thank you for comments on IVF -

It would be good to get a view on the
scenario A
'' if '' a family member were to pay for our care - would it even need to go through the trustee? or would we just ask the IVF provider to bill our relative? and let the trustee know FYI ? or would permission to receive the medical intervention be necessary?

Scenario B
If family members are unable to pay. If anyone has experience around this. it would be helpful. While being fair to creditors will be essential, IVF could surely be argued to be essential in many circumstances? or if it's not available on the NHS to us, perhaps it could be seen as a ' luxury ' that would need to come out of allowances. I've googled IVF & IVA's and the expected confusing results come through .

Very conscious that ultimately this will all be questions for the Trustee company in due course etc.

Hi HELP_Stressed,

I don't think there would be any need at all to inform your trustee about a third party paying directly for this care. It could well be different if they were gifting you an asset that could be sold (like a car with significant value, for example) but that's obviously not the case in this scenario. It probably would be best if the third party paid directly so that the funds don't pass through your bank account.

I couldn't remember a scenario where IVF had been mentioned on the forum previously, and I've just run a search on the forum that confirmed this to be the case. It could be possible that someone reading has some personal experience of this though, and hopefully they'll share that if they read your posts.