Shouldn't be an issue as HP can't be included in a TD anyway.

That's what I thought. I'm assuming that there may be equity issues at the end of the TD but if the HP was over 5 years then that be enough to cover it. Its too late for me to do this now but it was just a thought that I had. The car I have just now prob won't last the duration of the TD and was thinking that if I had got a new one before hand I may have had more of a chance. Could be a valuable question for all those in a similar situation though?? I wander if the other creditiors would be upset by The fact that some new credit was taken just before the TD??

A lot of people require a reliable car. I'm not sure that creditors would take issue with this so long as the monthly payment was reasonable, the car wasn't excessively luxurious and there was a genuine need for the vehicle.

There is no guarantee however that the HP company will not terminate the agreement after the trust deed is signed. Usually this right forms part of the terms and conditions and although this is quite rare it does happen from time to time (I had one recently where Mini financial services - part of BMW fin servs - decided they would take the car back after a trust deed had been signed)