I hope this does not sound like a cop out but I would say go to Citizens Advice and see if there is any way they can buy you some time until you complete your Trust Deed. Every one of us who have been through a TD knows how difficult it is and you have done really well to get this far despite the obstacles you have faced.
July is not far away and once complete those extra pounds you have will make a world of difference to you.

Hi Lynn.

You obviously have a family that pulls together in times of need.

Might it be time to open up to your family to see if anyone can lend you a hand now?

Thanks for the responses. I've taken Friday off work and will go along to CAB.

TDA - I wish it was that simple. It can be a bit of a one way family. I wasn't brought up with them. My parents divorced when I was very young and I was brought up with my mum.

My dad has a new wife and 4 children with her. I didn't really start contact with them until I was in my 20s and have always felt a bit of an outsider. However, I couldn't see my dad lose his home. He doesn't have money that I could borrow.

Asking my half brothers and sister is not an option as they have never really accepted me. It's only when something big happens that I am involved.

Don't get me wrong, they are lovely people but I definitely can't go to them. One brother would take particular satisfaction at my predicament.

I will seek money advice and hope that some kind of arrangement can be made.

Thanks again.

Lynn

I do understand Lynn.

In that case getting some help and support from Citizens Advice is very sensible.

I think it is a case of persuading the payday loans company that it is not in their interests to go further with enforcement which would potentially lead to the failure of your trust deed. If that happened then they would join the queue with all of your other creditors. However, if they are flexible enough to accept small payments until your Trust Deed is successfully completed then they should get paid off at a much quicker rate.

Hopefully a Money Adviser at a free advice agency would be able to put this argument forward for you. You may find that your first appointment is with a generalist adviser if you just drop in. You may be better to call first and try and get an appointment with a debt specialist, as the situation is an emergency given the legal action already taken. You could be at risk of having your part of your wages or bank account arrested if something isn't sorted out quickly.

Hopefully the CAB will be able to help you. They may get the Sheriff Officers to accept a token payment (£1) until your TD finishes and then you can pay it off with a larger sum each month, it's not like you don't want to pay it, the fact is you can't!

I had a debt that wasn't included in my TD and I am paying £1 a month until my TD finishes then will clear that. Hope you get some good news.

The sensible solution would be for the Trustee to allow somew leeway and reduce the TD payments, then extend the period until matters are resolved.

But then again, when did sense prevail in these things!

Mark

Hi, everyone

Thanks for the responses.

The payday lender is going to accept a small amount for first few months until my trust deed finishes, then I'll increase it and get it paid off as quickly as possible.

What a relief.

Again thanks.

Lynn