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Hi LC23. That will be up to your Trustee, I'm afraid. If you can make a good enough case to them that your living costs have been more than has been...

Hi Andyb1202. A reduction in your payment due to a change in your circumstances should not automatically lead to an extension of the term of your Tru...

Hi IMC2345 There is a difference between what can technically happen and what usually happens in practice. Whilst the terms and conditions of your ...

Hi Nicola You should to take this up directly with the creditor as they are the ones that report defaults to the credit reference agencies. Ask for...

Not sure why your message is all truncated, th34ft34e, but to clarify: It is the "debtor's discharge date" that is the important one. Once that has be...

As you say, you're probably worrying over nothing. It's understandable though, as this is all new to you. If the Trustee comes back saying your paym...

Morning Nicola. In answer to your fist question, once you have made your 4 years of income contributions then the remaining sum for the car can be p...

HI BMC. Congratulations on successfully completing your Trust Deed - I imagine you must feel great about getting to the end finally? Your discharge...

HI TDscot. Hopefully one or two of our forum members will be able to give you the benefit of their experiences. For what it is worth, I'd be surpri...

Hi Effy27 It's great to hear that you are feeling positive about the future. We don't hear that enough these days! Bankruptcy may be an option fo...

The way the Eden system works is a bit clumsy in the way it deals with settlement offers and it is common for creditors to fail to reply in time becau...

Hi RC86. If the car is gifted to you so that you become the owner then you would need to declare it as an asset to your trustee. They could insist y...

Thanks for your question, Km24. It must be a worrying time for you. Absolutely, your Trustee should be open to reducing your contributions for the f...

You shouldn't have anything to worry about, K1191130. I would be very surprised if the outcome is anything different than you having to pay the last ...

Yes, I'd agree with CIF. Hopefully they will clean this up for you quickly.