Firstly, apologies, this will probably be quite long!

I have had a protected trust deed since November 2010.

From November 2010 I paid a monthly contribution of £350. In July 2011 I was made redundant and was forced to cancel the standing order for my trust deed contribution.

At this point I contacted my trustee (not sure if I can mention names here, so I wont). I called them several times, left countless messages and sent several e-mails. Still I did not hear anything from them.

Late September 2011 I commenced new employment and again attempted to contact the trustee both by telephone and e-mail to advise that I was in employment again.

Yet again for almost 2 weeks no-one got back to me. I sent a further e-mail and eventually received a call back.

I was asked at that point (late October 2011) to provide a statement of income / expenditure and proof of my new employment / salary details.

I took this information into their offices and the person I met with at that point took copies of all of the information and said she would be back in touch within a few weeks.

By mid December 2011 I had still heard nothing from them, and called again several times trying to chase the matter. Each time I was told I should leave my number and would receive a call back. I never received any calls.

I was then made redundant again mid January 2012. Again I attempted to contact the trustee and again was forced to leave messages and await someone calling me.

I never received a call from them, but around a week later I received a letter asking me to provide an update of bank statements, payslips and income / expenditure, along with completing a form they had enclosed.

I provided all of this information and completed their form stating that I am currently not in employment and am claiming job seekers allowance.

Now after returning this information to them I have received a letter stating

a. That they refer to previous correspondence and note I have not commenced payment of my increased contribution payment of £384 per month.

With regard to that, I received no correspondence regarding this and had attempted to contact them several times with no response and the new role I had commenced from late September 2011 until Mid January 2012 had the very same salary as my previous job, therefore I cannot see where any increase would have come from.

b. That I should recommence payments at the increased amount of £384 per month no later that 5th March 2012

At present I am unemployed and could not possibly pay this.

c. That if they do not receive the payment of £384 by 5th March they will send sherriff officers to my home to confirm termination of the trust deed.

I received this letter yesterday and have been trying constantly to contact someone by phone since then but as usual all they will do is take my number and say someone will call me back. I have also tried e-mailing the contact I have, but received an out of office stating they are not back until the 6th March.

I have no idea what to do next. Any advice will be greatly appreciated. I'm worried sick here!