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If your trustee is not sympathetic then you could always check what tenancies available through social landlords instead, where a deposit shouldn't be...

Hi Ccglasgow. The fact that you are director of a Ltd Company shouldn't be a major obstacle to entering a Trust Deed, though as TDA has said you ma...

Thank you very much for your kind words, Xin1. I'm very pleased to hear that you are looking forward with optimism to the future.

First of all, there would need to be more than a third in value or a majority in number of creditors objecting to cause any problem, so that in itself...

Hi Lilone. It isn't usually required for the Trustee to send anything to creditors asking if they object to you being discharged. Which makes me...

I find it rare for proposals over that kind of timescale not to become approved, so I think you should feel very confident that it is likely to be ok.

Over what term are you proposing to repay your debts via the DAS? That is the key variable which is likely to determine whether your proposals will b...

Sounds like it might be a Default Notice, which is really just a formal letter that many lenders serve at this point. It has to be set out in a certa...

Hi frenzy382 If it worries you to stop making payments and if you can afford to keep making them then there is nothing to stop you doing so until y...

It is unfortunately quite common for people to still get some collection letters/calls during the first couple of months of being in a Protected Trust...

You should only have to pay what you can reasonably afford, Klyp. If your income has reduced and your outgoings gone up since you took out the Trust ...

That's excellent news lilone - sounds like everything is looking great for you. I was just looking back at your posts over the last 4 years - you c...

That's brilliant, Dan. Congratulations.

HMRC will normally only provide information to Trustees where they have a signed mandate such as this. Many firms therefore get one signed in case yo...

Glad you got the right outcome in the end, Corsa77. I applaud you for your persistence!