Making life more affordable for everyday people
May not be suitable in all circumstances. Fees apply. Your credit rating may be affected.
Free debt counselling, debt adjusting and providing of credit information services is available to customers by contacting MoneyHelper.
Problem debt can happen to anyone
People in Scotland are finding themselves with unaffordable debt for a number of reasons, and this is being further exasperated with the cost of living crisis including:
• Energy bills
• Fuel costs
• Food shopping
• Interest rates
For many people, their savings have shrunk whilst their bills & arrears are continuing to grow, with an increasing number of people borrowing credit just to get by.
If you don’t seek help with your debt issues, the worse your situation may get.
You can take the first step on your debt help journey today with Trust Deed Scotland®
Proven results
Over 11,000 people rate us as excellent on Trustpilot. 98.5% of our proposed Trust Deeds gain protection status, making us No.1 in Scotland¹
Write off up to 70% of unaffordable debt²
Reduced monthly payments based on your affordability and what you can afford to repay. On completion of your chosen plan, any unaffordable debt left over may be written off.
In-House team
We’re employee owned. We don’t pass you onto any other company and we don’t have overseas call centres. The continuity in service between your initial debt adviser and our support teams means that we get to know you and your story and should any issues arise, we’re here for you.
This level of customer care is difficult to find elsewhere with other volume providers.
Looking forward to life after debt
We deal with the creditor contact and let you get on with living your life. After your repayment period ends, any debts that were included in the plan will be written off.
Why Trust Deed Scotland®
Our experienced and informed debt advisers offer tailored debt advice. We explain the advantages and disadvantages of Trust Deeds and all alternative Scottish solutions.
Trust Deed Scotland® have helped over 30,000 people use formal Scottish debt solutions to reduce their monthly debt payments and even write off a significant amount of their unaffordable debt. Find out if you qualify.
Trust Deed example
We helped Megan, a sales assistant from Ayrshire with her unaffordable debt. She now pays £90p/m.
Here’s how we helped Megan:
Overdraft
£699
Loan
£2,672
Loan
£2,634
Council Tax Arrears
£700
Total Debt £6,705
Old
£531
New
£90
Payment
reduced by
83%
³Subject to creditor acceptance. Payment subject to individual circumstances. May not be suitable in all circumstances. Fees apply. Your credit rating may be affected
We’re No.1 in Scotland
5 Star Rated Scottish Debt Advice
As Featured On
Let’s get started
Types of debt that can be included
You’re in safe hands
Find out if you qualify
Call us or just use your mobile. There’s no obligation and it will always be 100% confidential and secure. Unlike other companies, we will never sell your details to 3rd parties.
*The expected debt write-off figure of up to 70% is based on 1,671 Protected Trust Deeds currently administered by Trust Deed Scotland® and protected between 1 January 2023 and 31 December 2023.
The expected write-off percentage includes the costs of administering each Protected Trust Deed (PTD). More information relating to the costs of administration can be found by clicking here.
In this sample of PTDs, the expected write-off figure reaches as high as 84%. 226 PTDs or 13.5% of the cases have an expected debt write-off percentage between 70% and 84%. The average (mean) expected write-off is 51%.
Many Trust Deed Scotland® customers who come to us looking for debt advice; often asking for more information on whether they can write off their debts. Can You Write Off Debt without entering into a debt solution? In some rare cases, you may find that creditors (the people you owe money to) may be willing … Continued
