i have spoken to 2 companies (REMOVED) & (REMOVED) both of who have given me different advice

l have been told by both that l easily meet the criteria for a trust deed but (REMOVED) have advised that l need to pay ?ú150 and they will carry out a desktop survey - when l asked exactly what that means they said no one will come out, l then asked if it was a drive by as l noticed that a lot on the forum but the chap advised it was a desktop which means the survey company they use will look at properties in my area and give a valuation on this basis - l advised him my property value is at least ?ú150,000 and my mortgage outstanding is ?ú105,000 and he advised he would get it surveyed for trust deed purposes only at ?ú105,000 as no one else sees the survey and the creditors take (REMOVED) word for this and that l could also pay a ?ú500 bond agreed at the start meaning my trust deed would be extended by another 2 months to pay for this and then the creditors would have no interest in my equity which l am sure will only increase even further over the next 3 years. I brought up the fact that they are going to charge me a set up fee of ?ú275 but he advised this was a small amount to pay for getting rid of at least ?ú45,000 equity and safeguarding my house.

The other company are (REMOVED) and they seemed more professional and there payments per month were ?ú190 as opposed to ?ú275 that the first company quoted but they do a dektop to start with and then if they and me want to proceed they will pay for a full survey but there adviser said if there was ?ú45000 plus of equity then this would be more than my debt level so l would actually be classed as solvent but if less then a trust deed would still be the best for me and they dont charge any upfront fee and the bond they offer woulf also be ?ú500 but would have to be paid within the first 6 months by another person.

my questions therefore are do l pay an upfront fee with (REMOVED) and a higher payment of ?ú275 and allow them to hide all my equity for only ?ú150 cost

or

do l go with (REMOVED) and pay less monthly no upfront fees but take my chances with the equity l definately know l have???

also what is the best way to deal with the ?ú500 bond as one needs it paid over 6 months with the other making it easier and just extend my trust deed

any help with this would be appreciated as it is difficult enough to make a decision although l must admit the (REMOVED) one is the most appealing.