I was worried when I saw the title of this thread!!

I can see why changes in your contact would be a little unsettling TimeLord.

Forgive me if we've been through it here before, but are you expecting that there will be any changes due as a result of your circumstances changing?

Hi Timelord.

I am sorry to hear of your issue. It can be common due to internal reorganisation but 3 different advisors in 10 months is quite extreme.

Contact them and make your concerns known. Chase them for a response as to why your case has not been reviewed. Including income and expenditure. They are neglecting their duties and duty of care to yourself. For all they know he contribution may be set too high or too low!

I would advise you to prompt them.

well, my wife got a payrise of just under £70 per month, and my salary has risen by £25 per month - i told TDA #1, who preferred to deal over the phone rather than commit to emails, he said not to worry and he'd factor it in over the year and wouldn't affect payments. i put this on my 6 monthly review docs in nov & hear nothing, phone to find out why and am told he is gone and #2 has taken over. Go through this again with #2 in December, she says will do review and get back to me - nothing. Call yesterday to say is everything ok and that is why i haven't heard, told she is gone and case passed to #3. 6 monthly review still not done and #3 says will hopefully get it done within a month.

I'm now terribly worried that (1) my monthly contributions will rise as i am already struggling; and (2) arrears will have accrued, even though i was up front and honest from day 1 🙁

I thought the trust deed but a stop to worrying about debt !!

Arrears will not have accrued as you haven't been informed that your contribution will rise so don't worry.

It is unlikely that you will be expected to rise on the level you have quoted. Generally the trustee will take a proportion of any rise in income, generally 50% depending on history of case (whether the client has performed well, maintained payments etc). Plus with an increase the Trustee has to consider a rise in the cost of living. Plus it is not in the Trustees interest to rise it to a level that is no affordable as this will just result in less payment made on time and therefore more arrears. More arrears means more time spent chasing which eats in to dividends and fees.

I wouldn't worry about it. Be honest if your new TDA advisor and if they increase it to a level you can't afford, tell them you just can't manage it.

Rob, TDA,

thank you, I really appreciate you taking the time to answer me.