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Advantages & Disadvantages
Find out more about the pros and cons of formal debt solutions in Scotland
*If you are in receipt of certain prescribed social security benefits (e.g. Universal Credits, Child or Working Tax Credits) or you are assessed as having no surplus income then there is no application fee payable.
Depending on your circumstances, there are alternative ways of managing your unaffordable debts. See pages 20-21 of our free Scottish debt help guide for more info.
98.5% of our proposed Trust Deeds gain protection status making us No.1 in Scotland
97.8% of our customers rated our service as Excellent on Trustpilot
99.9% of our proposed Debt Payment Programmes (DPPs) under the Debt Arrangement Scheme are approved by creditors
Write off up to 70% of your debt
No Setup Fees & Fees may apply
For life after debt, you can trust us
We have more 5 Star Reviews on TrustPilot than all other Trust Deed providers combined
Find out more about the data behind our statistics.
During 2021 & 2022 – We achieved a protection rate of 98.5%. This made us the best performing volume provider of Protected Trust Deeds in Scotland. Trust Deeds advertised between 01/01/21 and 31/12/22.
Reviews collected between October 2012 and March 2023. A total number of 6,211 reviews were received, 6,075 people rated us as ‘excellent’. A further 155 people rated our service as ‘great’.
In this sample of 1,416 Debt Payment Programmes (DPPs) under the Debt Arrangement Scheme (DAS), approved between January 2021 and December 2022, only 1 proposed DPP was rejected and unable to proceed.
The expected debt write-off figure of up to 70% is based on 5,234 Protected Trust Deeds currently administered by Trust Deed Scotland® and granted between January 2017 and September 2021.
The expected write-off % 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 83%. 5% of the PTDs have an expected write-off figure between 71% and 83%. 95% of the PTDs have an expected write-off figure of up to 70%, the average (mean) being 45% when the costs of administration are included.
Of the cases in this sample, 1,823 were granted since the Covid-19 pandemic took effect in 2020. The average expected debt write-off for these cases is slightly higher at 49% when the costs of administration are included.
Our initial advice is free and there are no setup fees. There will be no obligation to proceed with any of the solutions we offer. We will provide advice based on all debt solutions available in Scotland.
Should you choose to proceed with one of our solutions, there are fees associated with our services.
It is important these are fully explained before entering into a formal debt solution. You will always find us open about these fees and how they are charged.
When we make statements on our website or any other advertising forms such as…
We are referencing a 2023 survey of our existing Harper McDermott customers.
2,246 customers responded, with 89% saying that their mental health improved as a result of entering into a formal debt solution with us. In the same survey, 98.8% told of that they felt satisfied, or better with their choice of debt solution.
|Trust Deed Provider
|Number of 5 Star TrustPilot Reviews
|Trust Deed Scotland®
|J3 Debt Solutions
|Your Expert Group