144,000 Scots Sought Scottish Debt Help reports Citizens Advice Scotland

Posted on Tuesday, 13 December 2011 in Debt NewsCitizens Advice Scotland reported that in 2010/2011, Almost 144,000 people asked for debt advice, the provider of Scottish Debt Help, Trust Deed Scotland can reveal.

The number of people seeking advice on debts is effectively 400 per day and CAS has had to take on more advisers are their waiting rooms have become inundated with thousands of Scots, unsure who to turn to and often many of which are distressed.

Perhaps more concerning, even in today's tough financial climate where creditors and lenders should be more sympathetic to their debtors where the individual is experiencing financial difficulties, CAS also revealed that enforcement action and court action has increased.

Susan McPhee, the head of policy at Citizen Advice Scotland has issued a warning to the Scottish government, writing a letter to MPs and MSPs advising on the dangers of cutting spending to CAS, in a time of financial disarray.
Susan advised "People are often in tears when they come into us, because they're at the end of their tether, maybe worried about losing their home for example and they don't know where to turn.

Many of them are people who are already vulnerable, such as pensioners, families on low incomes, or sick and disabled people who are having their benefits cut even further because of the welfare reforms."

As an independent introducer of ethical debt advice, Trust Deed Scotland have also spoken to many people in the same position and a senior figure at the Scottish owned and operated company advised:

"Without services such as CAS, the infrastructure for free, impartial debt help will collapse and our concerns as for those people who are desperate for help.

In a vulnerable position, many of these people could approach an unscrupulous sales driven debt solutions company which is something we all want to avoid.

Scotland needs real solutions for real people."

If you are struggling with debt, Trust Deed Scotland provides ethical debt advice for free. All calls are handled by experienced money advisors and any concerns that you have will be treated anonymously and in complete confidence.

Your Employment Status --SELECT-- Employed Unemployed Self-Employed Retired Student Your Total Unsecured Debts --SELECT-- £1,000 £2,000 £3,000 £4,000 £5,000 £6,000 £7,000 £8,000 £9,000 £10,000 £11,000 £12,000 £13,000 £14,000 £15,000 £16,000 £17,000 £18,000 £19,000 £20,000 £21,000 £22,000 £23,000 £24,000 £25,000 £26,000 £27,000 £28,000 £29,000 £30,000 £31,000 £32,000 £33,000 £34,000 £35,000 £36,000 £37,000 £38,000 £39,000 £40,000 £41,000 £42,000 £43,000 £44,000 £45,000 £46,000 £47,000 £48,000 £49,000 £50,000 £51,000 £52,000 £53,000 £54,000 £55,000 Over £55,000 This includes unsecured loans, credit cards, council tax arrears, bank overdrafts etc.

Note - student loans cannot be included in a Trust Deed. Your Monthly Net Income This is your monthly take home pay including any other income

Example
Take home pay £1200
Child tax credit £200
Total net income £1400 Your Monthly Expenditure This includes all rent or mortgage payments and all other fixed outgoings that you pay each month.

Excluding your payments for your unsecured debt. Are You A Homeowner? --SELECT-- Yes No

(Homeowners) Estimated Equity None Don't Know 5000-10000 11000-20000 21000-30000 31000-40000 50000+ Equity Example:
Mortgage - 72k
House Value - 80k
Your Equity - £8000

Dont worry if you don't know your equity.
Just call us on 0141 221 0999

Your Nearest City --SELECT-- Glasgow Edinburgh Stirling Perth Dundee Aberdeen Inverness We have a network of Trust Deed providers throughout Scotland

Your location will help us recommend the best providers.

Title --SELECT-- Mr Ms Miss Mrs Other First Name Last Name Email Address Phone Number Why Do We Need Your Phone Number?

Although you will get an instant quote indication, we still need to contact you to get more detailed information regarding your financial circumstances.
All calls confidential.

Your privacy is important to us. Your Details are held in the strictest of confidence and we will only request information required to find your best solution. Your details will NOT be shared with third parties.

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