Hi Everyone, I've just made my final payment today and I've been told I will receive my form 5 soon. I didn't know about this site until I was already in a trust deed but fortunately I ended up going with one I could trust, PGJ Recovery. Although my TD was moved to another company Creditfix, everything has gone as planned.

I just want to thank all the advisers on this site who have dispelled any fears I had during the process, and the companies themselves for honouring the terms of the deed.
I have read numerous posts from people that have made it to the end and always felt jealous that they had completed their TD. Well now I have, and I just want to pass on some advice to anyone thinking of starting a TD and to those still in one.
Firstly, make sure you go with a reputable company (preferably one that contributes to this site), and make sure you are clear about what it entails. Take your time when completing your income and expenditure form and arrange to pay your Td on the day, or the day after, you get paid. I never missed a payment and kept the company informed of any changes to my circumstances. If you follow the guidelines you signed then there should not be any surprises along the way.

It's not easy being in a TD and the first 6 months are the hardest as you adjust to not having the safety net of a credit card. But just remember it was the cards and loans that got you into the mess. Whenever times were hard I would remind myself of the debt I once had and how without the Td I would still have. This helped me through the tough times.

So good luck if you decide to go ahead. It was the best thing I have ever done and I will do everything I can to avoid accruing debt in the future. From now on its save then spend, and not spend then pay interest on it for years. x