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Scottish Trust Deed Forum
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Topic starter
30/05/2013 8:49 pm
Hi everyone,
I received the paperwork thru for my 1st annual review and phoned the firm to ask how many wage slips and bank statements to send as it wasn't specified on the letter.
I was asked if anything had changed in the last 12 months, when I replied "other than my income dropping £200 a month then no" I was told that I don't need to bother sending in statements and wage slips as they were only to demonstrate changes. But as i was managing the payments and nothing else had changed i didn't need to bother. I was then told that they were putting a note on my file not to expect paperwork for me.
Is this normal???
Thanks 🙂
30/05/2013 10:06 pm
Is the payment still affordable for you Trixie1980?
£200 is a substantial reduction in your income.
Qualified Debt Adviser & Forum Administrator - Ask me anything about Trust Deeds 
31/05/2013 12:57 am
Nice of them to be concerned at your income reduction! !
Paul
Trust deed completed Jan 2012,Trustee discharge Nov 2012.
A new dawn.
Topic starter
31/05/2013 7:10 am
Hi TDA yes I can still manage, it's tight but I've learned to budget! I don't really want to reduce my monthly payment as they said it would result in an extension to my TD, I'm almost halfway thru so I just want to keep plodding away at it. Just thought it was a bit strange that they would take my word for it and not want to see bank statements and wage slips?!
31/05/2013 7:15 am
Hi Trixie
As it was advice from a phone call, I would complete the form if I was you and post it with last 3 payslips.
Belts and braces approach.
Mark
Mark is not posting regularly in the Trust-deed.co.uk forum.
31/05/2013 7:59 am
Or ask for an email confirmation so you can keep a record of whats been said.
Paul
Trust deed completed Jan 2012,Trustee discharge Nov 2012.
A new dawn.
31/05/2013 8:26 am
Or ask for an email confirmation so you can keep a record of whats been said.
Paul
Trust deed completed Jan 2012,Trustee discharge Nov 2012.
A new dawn.
31/05/2013 9:37 am
Hi Trixie1980,
I would agree with Mark. Send the form back with 3 months bank statements and payslips that way your covered.
Often we hear on the forum that something was discussed over the phone but later on down the line there is no record of this.
David is not currently posting in the Trust-Deed.co.uk forum
Topic starter
31/05/2013 2:59 pm
Thanks everyone, I'll send the form and statements, don't want to get caught out!
Thanks!
