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You're correct, Lesley. If you are discharged then the funds are yours and yours alone.

The trust deed disappears from your credit file 6 years from the date of signing, so should be gone some time ago. As David says, it can sometimes ha...

There is no guarantee you would be able to keep the car in a bankruptcy anyway, so maybe it is worth considering whether you can make alternative arra...

I too doubt it will be a problem as long as you can continue to afford your Trust Deed payments. It might be worth jotting down a list of the reasons...

Hi nells I doubt there is anything to stop the mortgage lender from keeping this information on their files if they choose to do so. However, as i...

Presumably you have been paying a monthly amount into your trust Deed for the last couple of years too, Carlyxo, which would reduce the amount require...

Congratulations on your discharge, shadow79. I'm glad we have been able to help you along the way and hopefully help make the process a little easier...

As long as whatever arrangement you have is fair then it is fine just to prove your own contribution to the household bills. I think a Trustee would ...

I suppose they may potentially look to set off the lump sum against the council tax arrears, but whether they can legally do so is another matter. ...

Try not to give yourself a hard time, Pegasus29 - these things happen and your courage in stepping up and sorting it out is commendable. I obviousl...

Up to you, but chances are it should be fine to leave it.

I'm interested to know the reason you were continuing to pay the mortgage, Stumbledoor. That wouldn't normally be necessary unless you were still liv...

It will boil down to how much you can realistically afford to pay each month towards your debts, but I'd agree with David that you should certainly be...

Hi Jamie. The other thing to bear in mind is that your credit file only shows the last 6 years, so 6 years after signing a Trust Deed it would disa...

Hi Ger80. I'm glad the forum can be of service to you. Keep letting us know how things are going as the thoughts and experiences of people that ar...