Hi Martin44,

If this is an included creditor, and your trust deed has become protected, there is nothing they can do to enforce the debt.

Contact your trustee and ask them to intervene to stop this contact.

thank you for the quick reply.
what does it mean ,,included creditor"? Is this a non-objectionable creditor? This creditor must have received a letter from my trustee proposing my debt repayment option. But I do not know what the reaction of individual creditors was.

Hi Martin44,

By "included" I just mean that it's a debt covered by your trust deed. There are a pretty small number of debts (student loans for example) that cannot be included, so I was just covering that off.

It doesn't matter if this creditor objected or not provided that there was enough support for your trust deed to become protected. All creditors are covered if that's the case.

Many lenders use external agents to review trust deed proposals, so there can be a lag between your trust deed becoming protected and the original lender updating their records about it.

It is unfortunately quite common for people to still get some collection letters/calls during the first couple of months of being in a Protected Trust Deed. As TDA says, it is usually just because of slow communication between creditors and their agents and should be ignored. They certainly cannot take action against you as threatened.

If it doesn't stop soon then you should make sure your Trustee takes it up with the creditor on your behalf.

Thank you all for the answers. You are wonderful and very helpful - Thank you again.
This letter simply surprised me, especially the first sentences (I am quoting): ,, You are in breach of condition of your agreement as we have received notice that you are or are likely to become bankrupt or enter into an equivalent process with your creditors. "

Nevertheless, I will definitely contact my Trustee.

THANK YOU

Sounds like it might be a Default Notice, which is really just a formal letter that many lenders serve at this point. It has to be set out in a certain way, demanding payment in full etc, but that doesn't mean that they will follow it up with any action as they should be well aware they cannot.

You reassured me a lot, I am grateful that you can find so many helpful people here on the forum.

I'm glad that we could help Martin44.

Hope that you have a great weekend.

You reassured me a lot, I am grateful that you can find so many helpful people here on the forum.