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Topic starter
21/06/2013 7:40 pm
Today I received a letter from my trustee saying they were disappointed that I was in arrears by £X (1 months payment basically) and then went on to explain the potential consequences if I ignore the letter, TD no longer being protected, creditors taking me to court, etc.
The thing is, they know I am a month behind and agreed it at the time. In Oct 2011, my car failed it's MOT and needed quite a bit of work done to get it through. As I needed my car for work, I asked my trustee if I could "miss" that months payment to put the money towards the car to allow me to still get to work and therefore still pay the TD.
They agreed to this and my yearly statements even mention the fact that because I am a month behind, the TD will be extended by a month to allow the catch-up payment to be made. All fairly reasonable so far.
However I know have this letter from them implying they have no knowledge of this and that I am simply "in arrears"!
The only explanation I can think of is that a month or so ago, the trustee of my TD changed and they are going through the TD's.
I tried to call but my contact must have been on holiday or out of the office as there was no answer. I have also sent an email. Guess I will have to wait until Monday.
Just wanted to get that of my chest.
21/06/2013 10:22 pm
Hi mapleleaf.
I can understand the concern but I'm sure this will all work out fine.
Hopefully it gets swiftly resolved after the weekend.
Qualified Debt Adviser & Forum Administrator - Ask me anything about Trust Deeds 
24/06/2013 10:29 am
Sounds like an oversight on the part of your case manager, mapleleaf. As trust deed assistant says, I am sure you will be able to get this straightened out very quickly - and hopefully get an apology!
Scottish Debt Solutions Expert - Ask me for help setting up a Scottish Trust Deed or Debt Arrangement Scheme plan.
26/06/2013 11:31 am
Hi mapleleaf,
It sounds like it's a standard letter that's been sent out without someone looking at the case notes to see why a payment has been missed.
I'm sure it's nothing to worry about and if you have managed to speak with your case manager they will have hopefully clarified it for you.
If in future your contact at the company is out the office or on holiday ask to speak with someone else in the firm who should be happy to help you.
David is not currently posting in the Trust-Deed.co.uk forum
Topic starter
26/06/2013 7:35 pm
Sent an email to them on Friday and called also. Sent another couple of emails on other matters and called again today, still no answer. I'm guessing my contact is on holiday.
27/06/2013 9:06 am
Ah, I had assumed that this would have been taken care of by now and things clarified for you.
I would try not to worry too much but if you really want to clarify things before your contact returns then call them again and ask to speak with either a manager or your Trustee. Their name should be on the bottom of any letter.
In my team there are 8 of us that handle our own clients but also help others when their relationship manager is out of the office or on holiday.
David is not currently posting in the Trust-Deed.co.uk forum
Topic starter
27/06/2013 7:50 pm
All sorted now, appears it was just standard practice being adopted when my file was reviewed due to the change of trustee. Appears the last administrator didn't keep my file entirely up to date.
Thanks all.
