Hi Trojan38.

We'd just be guessing about the 48/54 month question. Best to call your trustee and ask them about it.

Regarding your second question, hopefully this will not be an issue. It would seem pretty unfair if it was.

As long as you have been up front with all information and paying what you were asked then there is nothing to worry about regarding the first 3 years.

Thanks for all your help guys. Very helpful and quick to answer. Much appreciated. Helps reduce my anxieties.

Absolutely Kevin. All pay slips and bank statements given each year. Nothing hidden from them at all. Any miscalculations woulf be from their side.

Hi Trojan38,

Like Kevin has advised if you have been honest and up front with everything and completed all income and expenditure forms then I don’t think you have anything to worry about.

Sometimes a Trust Deed can run a little longer than 48 months if there are assets to be realised or if a client isn’t able to afford a payment which would give a sufficient return to creditors over 48 months the payment can be reduced but the term extended. As TDA has suggested we would be guessing at why your paperwork states 54 months.

Let us know how you get on when you speak with the Trustee to clarify things.

Thanks for input David. Good advice. Think you are correct. Something in back of my mind reminds me that could be reason it was 54 months. Was just so desperate and pleased 3years ago to get accepted i probably didnt take in the full details in the beginning! Im learning a lot on this journey! Never thought i would be so good at food shopping and all other things. Certainly taught me a valuable lesson. Cheers guys.