Tag Archives: struggling with debt

Rent Arrears – Your rights – How we can help

Rent Arrears Problems

It may be distressing to get into rent arrears. But don’t disregard the situation. You might end up losing your home if you do not take action to pay back what you owe.

To find out what you can do to stop yourself getting evicted for rent arrears, read this blog fully.

If you are struggling with your Rent payments you should firstly contact your housing, Council or Landlord. Explain to them your situation and arrange a repayment plan or a payment arrangement date.

Rent Arrears – Talk To Your Landlord

It’s understandable that you would be afraid to tell your landlord or agent that the rent will be late.

But before you actually fail to pay up, it is far better to get the issue out in the open.

When you’re actually talking to your landlord:

Explain why the rent will be late and ask for some additional time.
To help ensure that it won’t happen again, be clear about what you’re doing to address the issue.

Identify the issue and map out a plan

It’ll be clear, in some situations, why you have a problem.

Maybe your earnings or expenses have unexpectedly changed for the worse.

For instance, because you lost your job or because your partner moved out and stopped contributing to the rent.

In other examples, it may simply be that you live beyond your means. You’ll need a strategy either way.

It could lead to eviction and a poor reference from your landlord if your rent is consistently late.

Scottish Trust Deed Free Debt Help

Scottish Trust Deed Free Debt Help

Where to get free help and advice

You are in the right place for free help and advice on all of your debts, including rent arrears. Solutions Scotland have hundreds an housands of enquiries about debt help every month.  With over 70 five star reviews on Google, you will see why when you enquire with them. They offer multiple solutions that will be suitable for you to become debt-free. The most popular solution is their Protected Trust Deed. Scottishtrustdeed.info also specialise in this solution (hence the name)

What is a Protected Trust Deed?

A Protected Trust Deed is only available to Scottish Residents who have a minimum amount of £5,000 worth of debt. The Trust Deed will see you become debt-free in just 48 months whilst only paying a small percentage of your debts back. With a Protected Trust Deed you will receive the following benefits: 

  • There are no setup fees! 
  • Freezes interest & charges!
  • Legally binding so creditors can’t back out!
  • Stops all contact from your creditors!
  • Stops wage arrestments or bank arrestments!
  • Writes off up to 75% of your debt!
  • Can include debts from your local council, rent arrears, DWP & HMRC!
  • Can be debt-free in four years!
  • Keep your home & car
  • Comes off your credit file latest six years from starting!

How do I apply for a Protected Trust Deed?

You will firstly have to contact us on Facebook by clicking here or visit our contact page here. Once you contact us we will give you a phone call and we will discuss your situation. We will then be able to tell you if you are eligible for the Protected Trust Deed. IF you are not eligible we offer multiple Debt solutions such as a Debt Arrangement Scheme.

Rent Arrears

Debt Free – Sort your debts before Christmas!

Debt Free – Can I really be free from my debts before Christmas?

Debt Free for Christmas? Yes please! Scottishtrustdeed.info can make all hassle from creditors and sheriff officers disappear before Christmas. Christmas is a time for family and celebrations. Don’t let the creditors and sheriff officers be the Grinch by letting them ruin your holidays. Our Protected Trust Deed is one of the ways you can stop all of the contact and hassle! You will not be completely free from your debts for Christmas, You will be free from the debt hassle provided by creditors/officers. By the time Christmas comes, you will be:

  • Uncontactable from ALL Sheriff Officers
  • Uncontactable from ALL Creditors 
  • Stress-Free from any debts you have
  • In an AFFORDABLE re-payment plan  
  • On the Journey to becoming Financially stable  

Can I really become Debt Free and Uncontactable from Creditors?

Yes, Once you have entered your payment plan (PTD) or (DAS) creditors cannot contact you. If the trust deed is protected, creditors CANNOT touch any assets. For it to be protected, the MAJORITY of your creditors need a binding agreement in place – one that everyone is happy with. If the deed is not ‘protected’, your creditors could still legally recover the money you owe them, anyway they can. They could take you to court.

Debt Free - xmas

Why it’s important to sort your debts BEFORE Christmas

Did you know Of those who admit borrowing money to cover Christmas at least once, 25% told us that they borrow from friends or family and 26% dip into their arranged overdraft. 10% of respondents say that they use a payday loan to pay for Christmas, and 10% take out a bank loan for the same purpose. Christmas is the most popular holiday people borrow money for. If you are already in debt and thinking of increasing the total debt amount, we would advise against it. Deal with your debts before Christmas and experience what it’s like not having to worry with creditors.


The survey was conducted via Google Consumer Surveys between 24th-25th Nov 2016 with 1000 UK respondents, all aged 18-44 years. (provided by drafty)


Firstly, to get started with a Protected Trust Deed you will need to have a debt level of £6,000+ that is the minimum amount required to be accepted for a protected trust deed. Secondly, you would have to reach out to us with your contact details. You can send us those details by using our website form click here to be directed.

  • Do you need a Scottish Protected Trust Deed?


    Are you a Scottish resident? Have over £5,000 of unsecured debt? Willing to pay a small percentage of your debts back to be debt-free in just 48 months?

    A Scottish Protected Trust Deed could be for you!

    • There are no setup fees! 
    • Freezes interest & charges!
    • Legally binding so creditors can’t back out!
    • Stops all contact from your creditors!
    • Stops wage arrestments or bank arrestments!
    • Writes off up to 75% of your debt!
    • Can include debts from your local council, rent arrears, DWP & HMRC!
    • Can be debt-free in four years!
    • Keep your home & car
    • Comes off your credit file latest six years from starting!

    Debt Free 2019 Scottish Trust Deed

    Debt Free 2020 Scottish Trust Deed

Wage Arrestment affecting you? We can help!

Wage Arrestment information

A Wage Arrestment is also known as an Earnings arrestment means that a percentage of the debtor’s earnings will be taken by their employer to settle the outstanding debt balance. Before an Earnings arrestment can happen a County Court Judgement will have been granted by the courts. An attachment of earnings can only occur if a debtor has missed one or more payments on a County Court Judgement. If the debtor has fallen behind with a payment then the court can use an attachment of earnings to recover the debt for the creditor.

Is a Wage Arrestment common?

Yes. Wage Arrestments are very common in the United Kingdom. It’s possible to have more than one Arrestment. Depending on how much you owe and who you owe. This will play in a part and may result in a Conjoined earnings arrestment.

This can happen when you owe more multiple people money, and several have arrested your wages at the same time. It does not mean you pay more. Your employers pay the money over to the sheriff clerk in your local sheriff court, who splits it up and distributes it to the creditors.

Wage Arrestment

How can we stop Wage Arrestments?

If you have debts totalling together to £5,000 you may qualify for a Scottish Protected Trust Deed which can have the following benefits;

  • Pay what you can afford each month for four years and be debt-free!
  • Stop all legal action from your creditors
  • Stop all action from Sheriff Officers, including arresting your earnings!
  • Freeze all interest & charges
  • No setup or monthly management fees!
  • Stop all contact from your creditors
  • Write off all debt that is not affordable
  • Keep your home & car!
  • Keep your contract phone & a normal bank account!

(Please note this may affect your credit file)

We have multiple debt solution plans, Our most popular being the Trust Deed. A Protected Trust Deed is an affordable payment plan. One of our agents can tell you how much you are required to pay per month. This amount is calculated from your income and expenses/assets. During the Trust Deed period, no creditors or sheriff officers can contact you. Depending on your circumstances you are typically debt-free in four years. As stated above the Trust Deed comes with multiple benefits. The main con is that it may affect your credit file.

Check your eligibility

The minimum amount of debt for a Trust Deed is £5,000. You can apply for a Protected Trust Deed by clicking here. If you wish to contact us on our social media platforms you can press here to be directed to our Facebook. Visit the Contact us page on our website and fill in the information required and we will be in contact with you. We will respond during our office hours are Monday – Thursday. 09:00 – 20:00. Fridays 09:00 – 17:00.

Scottish Trust Deed Free Debt Help

Scottish Trust Deed Free Debt Help

Scottishtrustdeed.info offer free debt advice and financial help. You will not be charged for using our services, However, we may receive a fee for the services provided.

Council Tax In Arrears – What Happens Now?

If you can’t pay your council tax

Missing payments puts you into Council Tax Arrears. Your council may allow smaller payments to settle the amount. It’s important that you contact your council immediately to explain your situation regarding your council tax payments.

It’s highly likely that your council will take you to court if you ignore the arrears, you may also have to pay court fees. Court Fees can add hundreds to your bill.

You’ll get a reminder from the council around 14 days after your missed payment.

Your debts are cleared if you pay within the 7 days after the reminder, and you can continue paying your usual instalments.

If you have other debts alongside your council tax you would still need to pay the council tax first. Tax arrears are classed as a  ‘Priority Debt’. Depending on your debt amount you could be eligible for a Trust Deed. 

Scottish Trust Deed Free Debt Help Scotland council tax

Scottish Trust Deed Free Debt Help Scotland

What if I don’t pay my council tax within the 7 days of the reminder?

Councils can send up to two reminders. If its within 7 days of the final reminder and you haven’t paid, you’ll lose the ability to pay your bill in instalments. Your local council will send you a letter telling you to pay all your Council Taxes for the year within 7 days. If you are unable to pay all your council tax, it’s important you contact the sheriff officers. Sherrif officers can help arrange a payment plan.

council tax stress

 Will this affect my wages?

Short Answer Yes. Wages are affected it’s possible that one’s wages can be arrested. A Wage/Earnings Arrestment require your employer to deduct money from your salary to pay back your debts. If you are struggling with an existing earnings arrestment Contact us today for free, confidential advice. Our expert advisers will help you decide upon the best course of action for you and will let you know how the earnings arrestment could be lifted.

council tax wage arrestment

What is a Wage Arrestment?

As touched on previously, wage arrestments will instruct the debtor’s employer to deduct money from their pay to settle your debts. The council asks your employer to take regular deductions from your wages to repay the debt you owe. Your employer has a limited time to put the arrestment into practice. The deductions come from your ‘net income’. This means the income you have left after paying your tax and National Insurance. An earnings arrestment cannot be used to take money from self-employment if you are a sole trader.

Can I stop the Wage Arrestment?

You can stop the wage arrestment if you correspond with the council’s reminder about your arrears. It’s important to keep track of your owed payments. ScottishTrustDeed.info can help you with your financial difficulties. ScottishTrustDeed.info offer multiple debt solutions and free debt advice. They’re contactable here.

Scottish Trust Deed Information | Free Debt Help Scotland | Trust Deeds in Scotland | Council Tax Debt Help |

Scottish Trust Deed Information | Free Debt Help Scotland | Trust Deeds in Scotland | Council Tax Debt Help | (Scottishtrustdeed.info do not charge their clients for free advice, however, we may receive a charge)


Update from the Joint Administrators of Wonga.com

Wonga have been famous over the years, often displaying TV adverts.

Payday lender Wonga.com is now in administration after failing to cope with customer compensation claims.

Wonga.com was well known for offering short-term, high interest credit (Payday loans) after launching here in the UK in October 2007.

Wonga got their name well known across the UK by sponsoring football teams, the London Underground, various TV adverts & shows, all of which were heavily criticised.

Wonga charged interest rates, which can equate to an Annual Percentage Rate (APR) of 1,509%, had been widely criticised. Wonga had said they believe APR is a poor measure of the true cost of short-term loans. As of April 2016, a loan of £100 over seventeen days (Wonga’s average loan term) required £113.60 to repay.

Wonga.com went into administration on 30th August 2018 after struggling to keep up with customer compensation claims, with now over 40,000 complaints received.

The administrators (Grant Thornton), are now dealing with winding down the company & have sent Wonga.com customers an email 8th May 2019 to advise on where to submit a claim –

“Update from the Joint Administrators of Wonga


Following a court hearing on 25 April 2019, the Joint Administrators of WDFC UK Limited (trading as Wonga.com) include links below to two statutory notices that are being provided to you as someone who has submitted a claim or may in due course.

1. Notice of intention to declare a dividend

This can be accessed by the link below: 
WDFC UK Limited – Notice of intention to declare a dividend 

Please note that in order for the Joint Administrators to set a final date for those who are owed money to submit a claim, they must issue the notice in the link above. As you will see from the notice, all claims must be submitted by 30 September 2019 or they may not be considered for payment. It is expected, unless you receive a notification to the contrary, that the Joint Administrators will make a payment to accepted claimants within four months of 30 September 2019, i.e. by 30 January 2020. 

For those claimants who have already submitted a claim, no further action is required from you at this stage and the Joint Administrators will be in touch when they are ready to assess your claim. 

If you have not yet submitted a claim and believe you have been sold an unaffordable loan by Wonga, as per our previous correspondence, all customers should make a claim through the Online Claims Portal by clicking on the button below. 

Submit your claim now

Please be aware, if successful, the payment you receive will be considerably smaller than your accepted claim amount. This is because it is expected that the total value of all accepted claims received will significantly exceed the money available to be shared out. The money available to be shared out will not be known until all of Wonga’s assets have been sold or realised and certain costs and deductions have been taken into account.

2. Notice of extension of administration

This can be accessed by the link below: 
WDFC UK Limited – Notice of extension of administration 

An Administration is typically a 12 month process. As explained above, it will not be possible to collect in, assess and pay money to claimants within that time period, as such the Joint Administrators have had approval from the Court to extend the Administration by a further 12 months (to 30 August 2020) and the statutory notice above confirms this. 

No further action is required by you in respect of this notice.

If you have any questions or require any further information, please visit our FAQs on our website.

Kind regards,

The Joint Administrators


Struggling with debt scottish trust deed

“My overdraft limit was the same as my salary so whenever I got paid it Just paid my overdraft” – Millions can’t get out of their overdraft debt. Scottish Trust Deed Info | Free Debt Help Scotland

Why are millions of people in the UK struggling to get out their Overdraft & become debt free?

According to Stepchange 2.1 Million people across the UK were constantly in their overdraft throughout 2016, with 81% of those individuals using their overdrafts to buy food, livings costs or household bills.

Why are overdrafts the most commonly known credit facility in the UK?

Most individuals we speak to here at Scottish Trust Deed do not classify their overdraft as debt when gathering their information on what is owed, why is this?

The most common feedback on overdrafts is that it is paid back each time that individual is paid but just like every other debt it comes at a cost & each time there is fees it reduces that individuals disposable income every time the fees are charged.

Overdrafts are in place by banks and building society’s as a way of short term lending, however many individuals in Scotland are now seeing this as a way of long term lending which can become very costly.

How much do overdrafts cost?

Stepchange (debt charity) have claimed in one report the average overdraft in 2016 was £1,722, so we have compared three popular banks in Scotland to see just how much they are currently charging on their overdrafts (September 2018).

Using the Bank of Scotland ‘s overdraft fee calculator which can be found here – https://www.bankofscotland.co.uk/bankaccounts/overdraft-assessment/fee-calculator.asp

Bank of Scotland state that with a current account borrowing £1,722 within their overdraft facility each month with costs as much as £77.77 per month!

Bank of Scotland Overdraft Calculator Scottish Trust Deed

Bank of Scotland Overdraft Calculator Scottish Trust Deed

Using the Royal Bank of Scotland‘s overdraft fee calculator which can be found here – https://personal.rbs.co.uk/personal/current-accounts/overdrafts/overdraft-calculator.html

Royal Bank of Scotland state that with a select current account borrowing £1,722 within their overdraft facility each month with costs as much as £32.73 per month!

Royal Bank of Scotland Overdraft Calculator Scottish Trust Deed

Royal Bank of Scotland Overdraft Calculator Scottish Trust Deed

Using the Santander Bank‘s overdraft fee calculator which can be found here – https://www.santander.co.uk/uk/current-accounts/understanding-overdrafts

Santander state that with a 1|2|3 current account borrowing £1,722 within their overdraft facility each month with costs as much as £36.00 (this includes account fee at 35 per month) per month!

Santander Bank Overdraft Calculator Scottish Trust Deed

Santander Bank Overdraft Calculator Scottish Trust Deed

If you find yourself in a constant struggle with debt, why not find out if you qualify for a Scottish Protected Trust Deed?

Give us a call – 0141 846 0113

Leave your details on our site for us to get in touch – Click Here

Email us – Click Here

the guardian free debt help scotland scottish trust deed

Debt charity says more than 600,000 people sought help last year – theguardian.com – Free Debt Help Scotland

StepChange says there has been a surge in recent years in single parents seeking advice

Most people (80%) contacting the charity were tenants, even though only a third of UK households rent. More than a fifth (21.5%) of new clients were single parents with children, though only 6% of UK households are single-parent families.

The average couple with children owed £16,834 last year, while single parents had unsecured debts of £10,033.

Unemployment was the most common reason why people were in financial difficulty, cited by 18.7%, followed by injury or illness (16.4%) and lack of budgeting (14.3%).

About two-fifths of people have fallen behind on at least one of their priority household bills when they contact the charity, typically on council tax.

Borrowing on credit cards remains the most common debt, with more than two-thirds of new clients having accumulated credit card debts. Other borrowings included store cards, overdrafts, personal loans, doorstep and payday loans.

While debt problems are spread all across the UK, the highest concentrations of people in difficulty are in the north-east and London.

StepChange also found that one in five new clients struggling with debt problems has a physical or mental health condition, and tend to be older.

Phil Andrew, the chief executive of StepChange, said: “It is both striking and shocking that last year about one in every 100 UK adults contacted StepChange alone for debt advice.

“Our clients show that the debt problem is far from solved. With the prospect of higher interest rates ahead, it would be a mistake to take too much reassurance from the gradual improvement in the wider economy.”

He said the charity was working with the government to hammer out the details of a new scheme to help people get their debt problems under control. The new regulations are likely to be implemented in January 2020.

At the moment, people in England and Wales can only get a guarantee of protection from extra fees, interest and debt collection activities by entering into one of the existing statutory insolvency schemes. StepChange says this is not a suitable option for people in temporary financial difficulties.

Please note this article originated from – https://www.theguardian.com/money/2018/mar/14/debt-charity-stepchange-single-parents

How can we help ???

Here at Scottish Trust Deed we have helped thousands of people in Scotland get the free debt help they need using government legislation that can write off up to 75% of your unsecured debt while allowing you to live your life without the stress of dealing with debts.

If you feel this applies to you or others around you why not get in touch and see if we can get your life back on track with a Scottish Protected Trust Deed?

Give us a call – 01418460113

Leave your details online for us to give you a call – CLICK HERE

Email us – CLICK HERE

Walker Love Sheriff Officers Scottish Trust Deed Free Debt Help Scotland Wage Arresment



Are you you one of the many people in Scotland worrying about how you are going to pay back thousands owed in unpaid Council Tax Arrears?

STIRLING PARK are widely known in Scotland as they are Sheriff Officers who collect debts on behalf of local Scottish councils for things such as Council Tax Arrears and also other creditors in the UK. Sheriff Officers do have the ability to impose an arresment of earnings (wage arrestment) on a debtors earnings to recover money owed.

Sheriff Officers are responsible for enforcing diligence, which is how creditors can recover debts.

What powers do Sheriff Officers have?

  • Visit a debtors property
  • Raise a debt to court for Sequestration (Bankruptcy)
  • Collect money owed via Attachment of Earnings (wage arrestment)
  • Arrest a debtors bank account



STIRLING PARK have offices in the following locations;

If you or someone around you is stressing about debts get in touch;

  • Leave your details and someone will be in touch to help – www.scottishtrustdeed.info

  • Give us a call – 01418460113

  • Drop us an email – enquiries@solutionsscotland.co.uk

Our office opening hours are;

Monday – Thursday 09:00 – 20:00

Friday 09:00 – 16:00

Don’t let 2018 be another stress free year and do something about it!

Looking for free debt help in Scotland? We cover the whole of Scotland & no need to wait for an appointment.

Here at www.scottishtrustdeed.info we cover the whole of Scotland for free debt help.

After doing a survey here at www.scottishtrustdeed.info with people enquiring for free debt help we have found that the majority of people struggling with debt in Scotland will turn to their local citizens advice first which can often lead to lengthy waits for an appointment with a money advisor or simply a plan is put in place that will only work short term.

Here at www.scottishtrustdeed.info we offer a free face to face appointment to Scottish residents pretty much all over the country with some struggles to reach rural areas such as the islands.

We only use government legislation to help people with debt which means we do not charge set up or management fees so get in touch if you would like a free face to face appointment. We offer free debt help in the following areas;

Free debt help Glasgow
Free debt help Edinburgh
Free debt help Aberdeen
Free debt help Dundee
Free debt help Inverness
Free debt help Perth
Free debt help Stirling
Free debt help Kilmarnock
Free debt help Motherwell
Free debt help Hamilton
Free debt help Ayr
Free debt help Dumfries and Galloway
Free debt help Hawick
Free debt help Oban
Free debt help Fort William
Free debt help Falkirk
Free debt help Stranraer
Free debt help Dunoon
Free debt help Greenock
Free debt help Largs
Free debt help Dumbarton
Free debt help Paisley
Free debt help East Kilbride
Free debt help Livingston
Free debt help Bathgate
Free debt help Cumbernauld
Free debt help Dunfermline
Free debt help Kirkcaldy
Free debt help Coatbridge
Free debt help Airdrie
Free debt help Fife
Free debt help Glenrothes
Free debt help Irvine
Free debt help Rutherglen
Free debt help Barrhead
Free debt help Larkhall

If you are in debt and would like free debt help just leave your details on our home page or get in touch below and someone will explain what help is out there, there is no need to struggle!


Where do you turn to when struggling with debt? The bank? Citizens Advice? Where to find debt help.

Ever struggled with your personal debt & wondered where to find free debt help?

Here at www.scottishtrustdeed.info we get enquiries every single day from people in Scotland looking for free debt help and the relief comes straight away as many people don’t know what help is out there and where to get it.

Generally when struggling with debt many people in Scotland will visit their local Citizens Advice Bureau to seek help on what to do with defaults on their debts and struggling or some may head to their bank and seek some form of consolidation loan to get back on track.

The big question is then does this work? Do they get the help that is beneficial to them?

When visiting a local Citizens Advice Bureau the first thing they will do is take a list of who you owe money to and how much along with your income and expenditure to put in place a plan where you can offer your creditors a token payment each month until you can afford to pay more. This is a short term solution that can benefit many but then you will have to think what is next as this would have to be done every six months and creditors can still take legal action along with still adding interest and charges which can mean the debt will be around for a very long time.

When visiting a bank these days it isn’t a case of you deal with the same bank manager and they make decisions on their own to whether they can help you out or not. Mainstream banks will use technology to check on your credit history and from there that will be the decision on whether they can help you out or not. Again these days that is very seldom due to any defaults the banks will generally back off.

What else can be done to consolidate the debt and actually be debt free in reasonable amount of time?

If you stay in Scotland you can apply for a Scottish Protected Trust Deed and the plan will consolidate all of your unsecured debt into one plan where you will pay into the plan for four years. You pay what you can afford each month and the remainder of the debt is legally written off. You can write off up to 75% of your unsecured debt in the plan and it will also stop all contact and any legal action from your creditors. If you wish to find out if you qualify get in touch below.