Received Unfair Treatment from Debt Collectors in Scotland?

Posted on Monday, 16 January 2012 in Debt NewsPeople across Scotland are struggling to repay their unsecured debts such as credit cards and store card debts. Anyone who has dealt with the harsher side of debt recovery may have experienced a final demand call or threatening action from a DCA.

Debt Collectors are usually paid commission based on value of recovery and speed of recovery and with big bonuses to be made and at the hands of overzealous debt collectors therefore it is perhaps understandable why some people, who do not know their rights become scared and further borrow beyond their means.

Do not Let Debt Collectors Bully You!

Here is why - Your lenders are governed by a code that allows an individual to sue for breach of contract in the case of obvious unfair treatment.

Unfairness in connection with the provision of credit card services or a loan is a breach of an implied term in your contract and you can sue for breach of contract and some examples are:

» Refusing to discuss financial difficulties and to suggest positive techniques

» Ignoring a letter of appropriation

» Refusal to cancel Direct Debit instruction

» Charges on bounced Direct Debits or cheques

» Declaring bank imposed charges as unauthorised

» Reneging on an instalments agreement where the individual has been paying as agreed and lender has begun recovery measures directly or through an agent while the agreement is in place.

» Failure to supply bank statements on accounts in difficulty where account fee is still paid

UK consumers are now more informed than what they were 10 years ago and therefore if you feel like your lenders are using bullyboy tactics and demanding unrealistic repayment - you are entitled to challenge them.

In 2011, Trust Deed Scotland spoke to thousands of people who were initially worried about their debts but the experienced, friendly advisors have been able to provide ethical debt solutions to people who have unmanageable debts that they cannot realistically afford to repay. Trust Deed Scotland has successfully introduced debt solutions that help people enjoy the prospect of a life after debt.

For a free and confidential consultation about your debts or to get instant advice on the severity of your debts and your options, you can speak to Scottish owned and operated Trust Deed Scotland on 0141 221 0999.

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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