Really need some advice,I started off with a 3 year trust deed they then increased it to 4 years as I forgot to enter overpaid working tax credit, this was all fine with us, our joint debt was £14,000. I have now paid into the trust deed for 4 years and was hoping to be discharged. In that time they have claimed more than £7,000 PPI Payments and we paid £300 per month ( £150.00 each) never missed a payment. We finished our finance payments on our car in Dec 2012. However they have valued our car (finance was in my partners name) and have suggested my partner extends his trust deed to pay of the value. A family member was kind enough to give us the money. We sent a cheque for the the amount and have never heard anything from them. In the meantime they have now sent me a copy of their report to the creditors and in one of the paragraphs it states that my payments should have increased to £378.00 from Dec 2012 as this never happened they will extend my trust deed. They have never written to me stating this personally. Surely they should have contacted me back in Dec 2012 also the finance was in my partners name. When they wrote to him asking for the valuation of the car there was no mention of the trust deed payments should have been increased to £378.00 from Dec 2012. I just feel that this will never end and surely this is there oversight as I was unaware that my payments would need to increase when I paid off my car finance. Nothing was explained to us about the car when we signed our trust deed.