Hi buxton and welcome to the forum.

While in a Trust Deed it would be expected that any adult with an income in your home contributed towards the household costs (at least for the sake of the budget form used to determine how much your trust deed payment should be).

Of course at the same time your overall household costs will probably increase which might cancel some of this out.

I think it would therefore be right to contact your Trustee to run through any changes as and when they happen.

Will do, Many thanks

Sorry one more question, As he is on a very low income he cant contribute as much as I do (which is dictated by the PTD) will they require proof of his contribution and I take it they cant determine what the contribution is but that I delcare it and update if amount changes?

They'll normally look to work it our proportionately.

Lets for an example say that he earns 25% of the total household income and you earn 75% of it.

If the rent for your home was ?ú400 per month then it might be assumed that 75% of this was paid by you (?ú300) and 25% by him (?ú100).

Your rent as recorded on your record of income and expenditure would therefore go down by ?ú100 which might increase your potential to pay into the trust deed.

At the same time there will be extra expenses (such as food for example) which will work the other way.

He should certainly be allowed to keep his share of the surplus income to spend as he wishes, while your share of the surplus would be calculated as your trust deed contribution.

Thanks for the help, Getting a bit confused, obviously the debt is mine and so is the PTD. and we werent together when I entered the PTD. Can the trustee determine what I ask him to contribute when he has nothing to do with my debt. He is on a really low salary (pay cuts to avoid redundancies for the next 2years) one of the reasons we are discussing moving in together. He would contribute for food and a little to the utility bills, means he can still meet his financial commitment, I wouldnt be gaining anything financially to rent council tax etc?

Hi Buxton

Your Trustee will require to determine what your partner is contributing to the household income. I would agree with TDA that this is normally done on a percentage basis whereby if you earn three times what he does then 75% of the household expenditure will be allocated against your share of the household income.

I would also agreee with TDA that whilst there may technically be more money coming in to the house, there will undoubtedly be more expenditure such as Food, potentially increase in Council Tax if you claim single occupancy discount and possible increases in utility bills.

If your partner is on a low income then the increase in the household income may be cancelled out by the increase in household expenses.

I would discuss the situation with your Trustee. It might be an idea to calculate what your partner adds to the household income then work out what extra costs you pay as your Trustee will undoubtedly look for this information to calculate if there has been any material difference in your circumstances and as a consequence you ability to pay a contribution.

I hope this helps.

Many thanks for the help.

Posted by: @buxton

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Hi there, I am 12 months into PTD and have a new partner who I wish to move in with me. He currently has debt and is low paid and wouldnt be contributing to income of household bills, rent etc. Do I have to notify my trustee of this and would there be an expectation that he should contribute therefore leading to a change in financial circumstance.