Hello MichelleG

Please seek professional support if you feel so desperate and hopeless. I remember being told that it is only money, and I was not a criminal. The words stuck with me and I hope you too can remember that it is only money. Your mental health is more important.

If you can, separate your son's medical investigations and the
Trust Deed into two separate compartments in your mind and life, and deal with each separately. Focus on each as you need to, but they do not belong in the same worry compartment! Otherwise it just becomes a rather large mountain to climb rather than two smaller hills.

The Experts on here may be able to guide you on how to deal with the information you have been given.

One step in front of the other and one day at a time Michelle.

I to have felt like you , and guess what I am still here and still fighting .

Yes , it seems bad at the moment , getting the right help and advice is vital to your well being and to you advancing towards the best solution to help you through this .

You are NOT ALONE , you have taken the first steps , respect to you for asking for help , I am sure the experts will advise you accordingly its always darkest before the dawn .your dawn awaits chin up and walk tall .

Hi MichelleG

Can you clarify exactly what was paid. Was the total sum paid equal to the contribution amount x 48 agreed at the start or was it a lesser amount?

Mark

Hi MichelleG.

As mentioned by others, your health is by far the most important thing here for you and your family.

If you're still feeling as you describe, please reach out for medical support as a priority. The rest can wait.

13992 was total amount of debt including wonga and council tax
12528 minus wonga who had cleared all my debt as for council tax I don't know how much arrestmwnts were made but according to council, a damsons and Stirling park I have no outstanding debt which was originally over 6k
171 per month over 48 months =8,208 agreed to pay

171 paid for 8 months 1,368
7,011 agreed early settlement figure
Total paid 8,377

Another of the debts for 1600 is due to come off my credit file in August this year and apparently this creditor hasn't responded to any correspondence so I'm questioning this too as the other larger debt has stated on my credit file a zero balance partial settlement on 29th nov to say I feel as though I'm being screwed for want of a better term, can't stop stressing over it all I've got a member of cahms team
Coming later to present at A&E with me later to try get my medication restarted as NHS 24 says I shouldn't have been allowed to change mess and then be left without anything when I wasn't able to get another appointment 🙁 I iniw I shouldn't laugh but if I don't I'll greet, but my son said mum I think I should phone childline because I was told in school if I was worried about anything I should phone and I'm worried about you, bless him 🙁

Aww. I feel for you MichelleG.

First things first - it might be worth double checking the date of the trust Deed, just in case! If you go to the Accountant in Bankruptcy's website and search for your name on the Register of Insolvencies it will confirm if it was indeed signed after 28 November 2013.

If so, then unfortunately the only way the Trust Deed can end early is of all debts are repaid plus costs and interest. However, you have basically paid all your contributions up front anyway, so the only way that you should be asked for any further payments is if your circumstances change for the better I reckon.

On the subject of your council tax, are you saying that the council continued to arrest your wages in repayment of all of the arrears owed to them despite the Trust Deed? The law says that any arrestment for pre-Trust Deed arrears should be stopped once a Trust Deed becomes protected.

Ok I getting more confused by it all every day and seems like it's just getting worse got a sherrifs officer letter today for a parking fine dating back to 2012 ? For £173 which I haven't got again I don't know whether or not this should have been on my trust deed and somewhere is a letter I got last month I didn't really pay much attention to relating to a crisis loan from about 2003 !! I think I binned it but now I'm stressing as to what information I was given is correct or not 🙁 the date its registered is the 29/11/2013 and even though there is 28th dated on the paperwork too the AIB say I'm under the new legislation but they are going to help and assist any way they can with me although it doesn't stop me stressing, finally have received an annual statement that apparently I should have been issued in December but it's taken involvement from a third party to get receipt of this !

Yes I have to clarify the debt that was taken via wages arrestments it looks like the debt may have actually been paid off before I signed the trust deed and I never even knew but surely it was trustees job to clarify any debt I believed to have had actually indeed existed ? My mental health issues are not new have been ill since about 2001 to the extremes of medication although had severe depression since childhood so often my memory is affected, when I took out my trust deed I did supply them with the latest credit check from experience and what I believed to be other debts from council tax arrears etc

Just spoke to Inverclyde council my estimate I have to my trustee for debt etc was over 6k turns out this debt at the time was only 2878, which they submitted to my trustee, although there may have been an overrun on arrestments by about 3 months because the debt was being handled by a third party ! Wages arrestments were approx 350 a month, will need to back track my wage slips and look them out council are going to send me a copy of the paperwork originally submitted to trustee

Just out of curiosity a trustee that is registered to practice in England and Wales how is it possible for them to be able to take over as a trustee for a Scottish trust deed??

Latest response from AIB

If the debt levels have changed, it is your trustee's responsibility to establish this so as previously advised, I would suggest that you discuss this with your trustee.

Your trustee has not submitted a Form 5 to register your discharge so I can only consider the information that has been provided on the annual statement of your protected trust deed (Form 4). However, having considered the money that has been ingathered and the trustee's fees, your total debt level would have to have significantly reduced (to approximately £3642.40) to enable the trustee to pay the creditor in full and this is before the interest on these debts is taken into consideration.

AiB have to ensure that trust deeds comply with the Protected Trust Deed regulations, which have been approved and passed by the Scottish Parliament. I would recommend that you contact your trustee's office to discuss this matter further, confirm what further action they propose taking and agree a resolution.

I am sorry that I can't help you further at this time.

Hi MichelleG.

It's pretty common for insolvency practitioners to take appointments on both sides of the border.

Hopefully your trustee can shed some further light on these developments for you.

Anyone got any ideas ? Seriously stressed out and pissed off by everything, contemplating phoning the wedding venue to cancel as don't want anyone else to start putting money towards a wedding that won't happen as I refuse to get married with debt hanging over me and any plans of moving in with my fianc?® are now off the cards also, needless to say my kids have overheard me on phone and now they're distressed 🙁