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17/04/2012 11:27 am
Hi
Well my husband and I were accepted and entered our TD 6 months ago.
We received through the paperwork from our company for our 1st review and I am concerned that the company are going to put up our contributions.
Over the past 6 months I had to get rid of my old car as it was falling to bits but our travel expenses have increased!
In total travel costs have gone up by about 100 per month but it looks like an awful lot when down on paper.
Prior to this our budget included Mot, insurance and road tax.
There have been a couple of other things that we actually pay slightly more on and some less all of which I've put on the budget.
Scared that they are going to ask for loads more or question us again on what we spend.
I know I worry excessively but don't want it all to go wrong now.
17/04/2012 11:41 am
Hi Indebt999.
I can understand your natural nervousness about your first trust deed review, but if your expenses have actually increased overall an increase in the payment requested from you seems unlikely.
Presumably you can point out and demonstrate that while certain costs related to your previous vehicle no longer exist they have been replaced with new travel expenditure instead?
If there have been changes in your financial affairs your trust deed firm will need to ask about them in order that they can understand the situation as it is now. The intention should remain to create a fair balance between you and your creditors though.
Qualified Debt Adviser & Forum Administrator - Ask me anything about Trust Deeds 
Topic starter
17/04/2012 12:48 pm
Hi TDA. thanks for your reply. It's so hard and if there is something I can worry about then I will! Its really interesting to see exactly what we do spend money on each month and especially on our kids! When paying with plastic you don't worry! My 12 year old is tall enough to need men's clothes and even a simple t-shirt can be redicilous!
Thank you again. !
