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26/09/2026 2:53 pm
Hi All.
I just wanted to share my experience with my trust deed.
Signed trust deed on 28/04/2020 with Carrington Dean.
Had a few bumps along the way with them regarding communications etc but nothing major. Made my payments each month. I did inadvertently not tell them about a wage increase so my trust deed was extended to October 2025. But that was my fault. I made my last payment to my trust deed in October 2025.
In June 2025 my landlord told me he was selling my flat and expected that I would need to either buy my flat or rent elsewhere. He said the sale would start around April 2026.
Needless to say I started panicking as I knew my trust deed wouldn't drop off my credit report until end of April 2026 so there was no way I could get a mortgage!
From October 2025 I was able to start putting money away towards a deposit. I ensured I contacted all of the debtors to ensure my defaults were showing as April 2020 (check all 3 credit agencies). There was only 1 organisation that wouldn't play ball so I still has 3 defaults showing as June 2020.
In January 2026 I engaged a mortgage broker and explained my situation. He said that it would be tricky but he could see what I could do and suggested I try and wait until beginning of May.
I explained my situation to my landlord (i had to enter a trust deed as my husband left me with £16k of debt). Luckily enough the landlords current mortgage deal was for renewal in September 2026 so he put things back a bit for me.
In early May 2026 my mortgage broker was able to secure me a mortgage with barclays. They weren't too fussed about my defaults because there were so historical even though they still appeared on my account.
The upshot is I was able to get a decent deal and buy the flat I was renting.
I just wanted to share my story to show that there is hope at the end of a trust deed. I never thought I would get here!
My piece of advice would be to check all 3 credit reports, experian, equifax and transunion and make sure all of your defaults align with the date you signed your trust deed.
Wish everyone who was in my situation the very best of luck! X
This topic was modified 2 months ago by lizr
Topic starter
26/09/2026 3:26 pm
Apologies I should say my last payment was actually October 2024.
23/10/2026 2:46 pm
Hi Lizr,
Thanks for sharing this. Will be really helpful to lots of people.
All the best
01/11/2026 7:11 pm
I have been with carrington dean since 2023 and have had no problems up till now i have called them sent them emails even went onto the chat liaison site still no further forward. i sent in copies of my bank slips twice in one month because of a review i which i did when i called they asked me for the second slips for a month which i did the same day when i called to speak to an advisor she went through the review and i got cut off yet i could hear them chatting in the background, again i tried got through to a woman who took my bank details and got put through to another different woman whoc had me start all over again then again i got cut off!! i then sent them an email asking them to send me a monthly outgoings so i could fill it in as the previous phone calls did not work. i never got them or even a phone call!! I the found out on saturday they tried to take my monthly direct debit they set up payment which was declined!! the money was there! what is going on
02/11/2026 7:36 pm
That is fantastic to hear Lizr. Seems that you were able to secure a mortgage immediately after the TD dropped off.
Are you able to share the broker you used? I will be looking to try and get a re-mortgage in April next year when my TD drops off my credit file. I was worried it wouldn't be possible for a while after but you have given me hope!