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Thanks for this! Odd there a template letter letter etc anywhere that I can send to creditors abound amending the dates? thanks Alison

They gave me a written up plan of my outgoings and said £182 would be what I would pay, just told that I would notify if I started to earn more money ...

Trust deed is over 4 years and £182 a month they said roughly

I would definitely make sure I can budget for a house etc. And yes I have a car through hp however they have worked this into my outgoings and as it i...