Welcome to the forum Jeffjeff.

You do need to inform your trustee about any change in your circumstances I'm afraid. If you don't you'll just be storing trouble and problems up for later.

Your income and expenditure certainly should be based upon real numbers though, so it sounds as though you should be able to make a strong case for no change if your increased income simply matches what your payment has already been based upon.

You'll not be the only person here who has continued to receive contact from their creditors for a while after their trust deed began. Even when trustees communicate with creditors and their agents (which they have to and I'm sure will have done) the creditors sometimes aren't very good at internally advising the correct departments within their own organisations. The departments receiving trust deed proposals are often not the departments chasing debts.

I do think you'll find that this type of creditor contact fizzles out. You did the right thing putting them on to your trustee.

Hi Jeffjeff and welcome to the forum.

When you signed your Trust Deed did you meet with a qualified advisor in person to go over everything including your payslips and bank statements?

In any plan you should only pay what you can afford to pay and this should be based a very thorough income and expenditure and from a review of payslips and bank statements.

As TDA has advised any change in your circumstances you are required to notify your Trustee. If you can demonstrate that you can’t afford to increase your payments then I can’t see an increase happening.

Throughout the Trust Deed process you may still receive the odd letter / phone call from your creditors but this isn’t something you need to worry about. If you do then the best thing to do is to notify your Trustee and let them deal with it.

The best thing to do is call your Trustee and explain everything to them and perhaps organise a meeting in their office. I always think discussing things like this in person can really help when there is a little confusion and especially when you are doing a financial review.

Would it be acceptable for me to wait a couple months before informing them? Purely because I don't know wage or travel costs and even under my Trust Deed so far, bills have been higher than expected

And yes, I went through an income and expenditure and provided evidence of bills, bank statements, wage slips everything. Then was sent the final list just before the phone call. The only figure they had right was rent. Allh bills have increased too above the (wrong) figure

Hi Jeffjeff.

Our advice would be to contact them as soon as you know your updated income and expenses.

You may also wish to contact them immediately about the other discrepancies that you've mentioned.