Welcome to the forum SunnyM.

I'm very sorry to hear that you're in this financial position and, much more importantly, that it's affecting your well-being.

There's no issue with entering a trust deed for a second time. We've directly assisted people with this in the past, and others with this experience have written about here in this forum. You have the same access to a trust deed as someone considering it for the first time.

Thanks so much...as I said, I bitterly regret it getting to this stage.

Hi SunnyM and welcome to the forum.

Try to relax and not worry too much as it's a lot more common than you think whereby people finds themselves in financial difficulty again.

As TDA has advised there isn't any issues with entering into a second Trust Deed. We have assisted many individuals who have required another Trust Deed.

Can you tell us a little more about your situation i.e. how much your debts total and what you feel you could afford to pay per month to the Trust Deed.

If everything works out ok then you could be debt free in time for retirement. That's the real positive thing to remember.

Don't beat yourself up about it, SunnyM - there's no point in giving yourself a hard to me and this can easily happen.

The main thing is to get it sorted out and a Trust Deed may well be possible for you if you wish. If you would like the assistance of any of the experts on the forum to look at this in more detail for you then please feel free to get in touch with any of us.