OK folks get the ladders out as I am sure some will want to get on their high horse and some will want to put up some bunting.
When I signed up to my Trust Deed in 2010 I gave my Trustee every bit of info on my then current debt and historic debt, I held back nothing as I wanted to ensure everything went through without a hitch. 3 years later after discharge (mine and Trustees) I decided to have a good long look and find out where I had went wrong previously, I still had a lot of old paperwork and tried to decipher how I ended up in so much debt. It was an accumulation over 12 years and for the first couple I was spending more than I could afford but the later (and I reckon at least 8 years) it was more refinance, refinance, refinance and a LOT in PPI. For the cost of half a dozen stamps I decided to try and claim some of this back (I had signed over the right to pursue to my Trustee, genuinely nothing hidden from them) Are you ready, so far I have claimed back over £6k and in some cases more than the company received as their share of my TD settlement. I am not proud of my debt but I am now aware that I got there with the help of some very clever sales people selling me loans I could not afford so in a way my conscience is clear.