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Thanks, I'm also employed by a financial institution (HBOS) and have read on hear about possible issues related to trust deeds and working with fin...

Just realised that about 9k of my wifes debt is with lloyds. Would this rule out a trust deed for her? as that's like 85-90% of her individual debt.

Thanks Mark and Amy. This has helped clarify a few things.

Just read that its not possible to have a joint trust deed. How would this work for our case? Would we need to have separate deeds?

Hi Amy, We both have about 10k each with another 10k shared, does this make a difference?

Thanks for the reply, I think initially we could pay ?ú300 per month until september then we could pay ?ú150 per month while my wife is on maternit...