Once you signed the deed you should not have made any further payment to the loan.

Hi Delboy69.

You shouldn't be paying the unsecured element of this loan any longer.

Have you agreed with your trustee that they'll deal with changing the direct debit with Birmingham Midshires?

Have you had any communication with the lender on this subject?

Get in touch with the mortgage provider to set up the direct debit for the mortgage amount only, dont rely on anyone else getting it right.

Paul

Your trustee should be able to help with this if Birmingham Midshires prove difficult to deal with, Delboy

Hi Guys

I haven't had any communication from lender on issue.

I did speak to agent for Trustee previously and they mentioned that they would sort out issue. I'm inclined to contact lender myself now though.

I had something similar and cancelled my DD and call each month to pay by card (visa debit) until i got a letter from the lender confirming the amount on a new DD mandate. Pain but at least no breach of my obligations of the trust deed

Hi Delboy69.

In your shoes I'd do it myself.

Just contacted Birmingham Midshires and after eventually getting put through to their collections dept, they told me they haven't received any communication regarding Trust Deed.

This would probably be right as i then contacted Trustee and they told me that they sent all relevant documents to The Insolvency Exhange (TIX), as they deal with all Birmingham Midshires Trust Deed queries.

Should this TIX not have informed Birmingham Midshires with respect to removing the loan from DD?

They should keep Birmingham Midshires up to date with what's happening with your trust deed Delboy69.

Whether Birmingham Midshires then act, or act soon enough, to change your direct debit is a different matter.

Did they agree to amend the direct debit?

After being passed back and forth by them (main service desk, collections etc)I gave up before i could get round to trying to change DD.

Given that they say there are no notes on mortgage account regarding any word from TIX about Trust Deed,would they still let me change DD and start defaulting on the loan? Or do they normally refuse without word at their end?

The worrying thing is that all the agents i spoke to had idea who TIX were!

HI Dellboy

well done in getting your TD protected.

If i was you i would go into your bank cancel the DD for the mortgage amount and loan. Then set up another one for the amount that the mortgage is for. That way you won't get hit with this amount again. i would also contact the Trustee to get the loan amount repaid back into your account.

Michael

Thanks Michael

I will definately be cancelling the Direct Debit when i get home.

I'm just astounded that this TIX haven't contacted Birmingham Midshires, or if they have that it hasn't been noted on my account.

And surely most agents working for a mortgage company should be aware of TIX. They must get a significant number of calls from people in the various types of insolvency.

Hi Dellboy

They will have heard and dealt with Tix Its just the timescales and the time its probably taken them to get out the letters.

Good Luck

Its the usual case of the info being slowly passed around to the correct department at each creditor.

Great news that you are all protected.

Paul