Hi Rosie and welcome.

I'm afraid that your question is one that we will not be able to provide a definite answer for.

It will come down to the employment policies of your prospective employer (which do vary considerably). For most positions a trust deed will be largely irrelevant, but within parts of the financial services industry it may be more significant.

Being upfront and open about the trust deed may work to your advantage, especially considering you're already a good way through the trust deed term.

Rosie,
My husband applied for a new position not long after starting our trust deeds and like you was worried sick about the implications of the trust deed as this job ment that he had to have good control of his finance. After much conversation we looked at things this way..........Entering into the trust deed ment that we recognised that we had a financial problem, we looked at the best way to resolve this problem and took action by entering into the trust deed, my husband is currently still in intensive training and at any point could be asked to explain his situation, any checks already carried out have not raised any questions yet and if they do ask questions my husband is very happy to tell them that he recognised the problem and took action to resolve it and had learnt by his previous mistakes. I know this can be a worry time and that i am sure you are desperate for this job but we soon realised that many and more than you think we be in the same situation, if your trust deed does raise questions you should just be honest and remember that you dealt with your negative situation.

Thank you for your responses. I have received a questionnaire from their outsourced screening team and they have asked 'Have you ever had civil proceedings taken against you by creditors?' Would a Trust Deed be classed a Civil Proceedings if the agreement was voluntary? Apologies if this is a silly question! I will also email them to let them know how far into the Trust Deed I was. It didn't affect my previous role in Financial Services so fingers crossed!

GemGem..Thank you for your encouragement! Please keep me up to date the the outcome. I've tried to to get too stressed but it's so difficult. It's sad that companies can challenge your Integrity when debt can so easily get out of hand. It doesn't mean that I wont be good at my job!

Good luck and i hope your husband is successful!

Hi Rosie.

I don't think that your protected trust deed would count as being "civil proceedings taken against you by a creditor".

On the contrary, it was a procedure that you initiated rather than your creditors.

Thank you very much! I've emailed them anyway as i'd rather be honest as you said initially. I'm sure it would have come up anyway from a Financial Probity check so would rather have come clean.