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I appreciate all the replies and I know you certainly don't want me to take your advice as gospel either, as in me saying to the trustee "well I was t...

Thanks Kevin. Am I right in saying then if there is no equity or not enough then the ptd will go on until such times as when I have either paid up the...

Thanks for all the replies. When it was signed, the figure of 13000 was stated, and signed! My point is what if the equity isn't there next year? What...