Welcome to the forum JOCK1.

It used to be possible to bring a trust deed to an early end as you describe, but unfortunately the law was changed several years ago and trust deeds must now run for a minimum of four years.

There is an exception, but that involves fully repaying the debts, interest on the debts, and the trustee's fees. This would usually add up to a fair bit more than the original debt total and tends to only come into play when someone comes into money, like an inheritance for example.

I do have two suggestions that might help to improve this situation for you.

The first is that you ask for a review of your payment amount. If you're struggling to manage the payment every month it might be a sign that it's set at an unaffordable amount. The first stage of this would be to ask for a copy of the income and expenditure schedule they're using to work out your payment amount. You could check this and, if their are inaccuracies, ask for the figures and payment amount to change.

The second is that your trustee might be prepared to deal with a third party, rather than you directly, in recognition of the difficulties your PTSD and depression cause you. It sounds like your dad is really kind and trying to do all that he can to help you; perhaps your trustee could use him as the first point of contact rather than calling you directly? He could make the payment and you could repay him.

Dealing with a third party is a common step to take when trying to meet the needs of customers who face extra challenges through no fault of their own.