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Thank you This has all been a great help and has really given me a lot of answers and I think i should go for the face to face visit and tackle it...

Thank you for your reply I am not a homeowner I find it all just a bit scary as i have been one of the lucky ones on a DMP - but have been told ...

Thank you so much for your replies it is a great relief to know that i could still have my DMP if i do go ahead with the trust deed. This is scary ...