Hello bailey.

The starting point will be to talk this through with your trust deed provider.

It's well understood that things change in peoples lives and there is scope within a trust deed to accomodate that.

As your change of circumstances appears likely to be temporary I'd be surprised if a workable way forwards cannot be found.

As trust deed assistant says, it should be possible to reduce or suspend your payments temporarily - though you are likely to have to catch up with these payments at some point, or at the end of the trust deed.

Thanks so much for your help.

When my fiance had our wee girl last January, I was given permission to skip payments for a couple of months as I would be on unpaid Paternity leave due to having to change jobs just beforehand. They missed payments are being added on to the end of my deed in the next couple of months.

Thanks so much for the replies they have agreed to lower the payments, which is great i have been calling them a lot because i have been really worried trying to clarify things and they have explained everything to me can they say they have had enough of this case because i keep asking questions?? i have just been really stressed over it..

Hi bailey.

I cannot see any harm in asking lots of questions, after all you are paying them to carry out this process for you and part of their work is to make sure you understand everything.

I do hope that you feel more relaxed now that you know where you stand for the period of your maternity leave?

CAN THEY JUST DECIDE NOT TO HELP ME ANY MORE, OR DO THEY NEED A VALID REASON IE NON PAYMENT ETC I HAVE BEEN VERY STRESSED OVER IT I KNOW THEY MAKE ALOT OF MONEY FROM MY TD BUT WHEN I'M CALLING I'M JUST TRYING TO GET MY HEAD ROUND IT ALL IT'S REALLY IMPORTANT TO ME...AND JUST NEED TO KNOW WHERE I STAND.

Hi bailey.

I really cannot see why they would stop helping you after they have already agreed to your perfectly reasonable request.

I hope this helps and reassures a little. Your situation isn't unique, for many reasons things can and do change during a trust deed, but so long as everyone is best served by a bit of flexibility being shown I'm sure things will be fine.