hi again,spoke to td company and they have said its just an annual report and that my trust deed is not being extended.we have also just recieved a letter informing us that they know about the 10,000 and asking us to forward it asap.i have called them to say we dont have it yet and they have asked for a letter of proof which we will send.they have sent out review forms for myself and my husband and we are worried they may increase our payments as my tax credits have gone up since april.we really woulndt be able to afford anymore than we are paying as we are still struggling now.i would also like to ask what we should do about the extra debts? should i call them or give the information with the review ?i know no allowence can be made for this in our payment but if we cant sort something out our payments will just become unaffordable.

Hi no.1mum.

All we can really say is that your trust deed payments should be based upon your disposable income as it is. Increased tax credits will certainly be a factor in the calculation. If other things are costing more this may help to cancel that out.

It's not really within the remit of the trust deed firm to help with the payments on new debts that you have taken out since the trust deeds were signed. They're duty bound to collect your disposable income for the benefit of the trust deed creditors without making allowance for any new debts.

You may wish to contact the payday lenders to try to negotiate an arrangement where you pay a small affordable amount each month until such time that you are in a position to offer something more substantial.