Hi eating worms,

I am sorry to hear of the problems you have been going through. Any one of those problems is enough to have on your plate, but all at the same time, it must be hard.

It sounds like you have kept the payments to the TD for a considerable time, that's the main thing. You are going through a lot of changes and I agreed it is an appropriate time to meet with the Trustee. In terms of redundancy, provide the trustee with a copy of your redundancy letter and they will be able to easily tell you what you are entitled to keep and what has to come in to the TD. There are 4 different elements to redundancy pay you see, with 2 elements you are entitled to, and 2 which the Trustee must collect. Any funds required to allow you to make payments to mortal have etc may be taken in to account until you can find a new job. At the same time the Trustee should re-assess your income and expenditure now that your living arrangements have changed with the divorce and child, payments may need to be reduced to an affordable level. Be honest with the Trustee, transparency will help find the best for for you for the remaining duration. Try not to worry too much, hopefully after discussions you will feel better on e you have it all off your chest and you can set a goal to finish what is set out for you to complete by the Trustee..

Keep on at your administrator until they agree to meet you. Turn up at the office if necessary - they cannot just ignore you.

I would suggest you write down all the points you want to make before you go, to make sure that they appreciate the situation you are in and the stress you are under.

I have contacted my administrators manager and I'm awaiting a call back! I'm pushing for a meeting ASAP so I will post any progress I have been told that I'm only allowed to keep the statutory amount and everything else must go to my deed, so I'm seriously stuffed! My statutory amount equates to just over a months pay and not only do I have no other job to go to but I have a mortgage to pay no equity, household bills and a 2 yr old! To top it all ive been told I'm entitled no no benefits as my redundancy is seen as savings??? Even though I have to hand it over to my trustee....I honestly don't know what's going to happen ;...(

Ok....where do I begin....I've spoken to administrators manager who's manner left a lot to be desired, I asked to meet her in person to talk re my circumstantial changes and she said 'she didn't see the point'....I'm really really disgusted to be honest I've never been so embarrassed in my life about my current situation! Would half an hour of her time been so bad?? Oh and insult to injury she said about 10 times during our conversation that they have the creditors best interest at heart, what about me? Have they no legal obligation to me? I'm really confused how can I correspond directly with my trustee or should I just leave well alone.... Is there any point?

I would start from the view that it could hardly make things worse?

Can you take someone with you if you get an appointment, seems like you need a bit of support no matter what the reality of your options is?

Hi Eating worms.

They absolutely have a duty to treat you with fairness.

If you're not getting anywhere you may wish to consider writing to your trustee (personally) outlining your concerns.

There seems to be an error with the advice on benefits I think. It cannot be classed as savings as far as I can see if you've been legally obliged to pay it over to your trustee. You might want to take that further as well.