Scottish Debt Help
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.
We’re No.1 in Scotland
5 Star Rated Scottish Debt Help
Do something about your debt today
So you can stop worrying about it tomorrow
Trust Deed Scotland® is Scotland’s No.1 Debt Solutions provider, specialising in Protected Trust Deeds and the Debt Arrangement Scheme (DAS)¹.
We have given Scottish Debt Help to over 30,000 people that has then enabled them to set up debt solutions with us that have reduced their monthly debt payments and even written off some of their unaffordable debt for them. Find you if you qualify today.
Let’s get started
How it works
We can reduce your unsecured debts down to just one affordable monthly payment, freeze interest & charges and even write off the debt you can’t afford.
Personal Loan
£12,000
Credit Cards
£6,000
Store Cards
£1,600
Council Tax Arrears
£1,200
Total Debt £20,800
Old
£700
New
£130
Payment
reduced by
81%
²Subject to creditor acceptance. Payment subject to individual circumstances. May not be suitable in all circumstances. Fees apply. Your credit rating may be affected
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.
¹Scotland’s No.1 Debt Solutions Provider
Trust Deed Scotland® is Scotland’s No.1 Debt Solutions Provider, specialising in Protected Trust Deeds and DAS. Here’s why:
In Scotland, Between 1 Jan 2024 and 30 September 2024 a total of 3,956 people entered into a Protected Trust Deed, 1,884 people were awarded Bankruptcy (Sequestration) and 3,979 people were approved for a Debt Payment Programme under the Debt Arrangement Scheme. These statutory debt solutions total 9,819 people.
During this same period, Trust Deed Scotland® (Harper McDermott Ltd) had 1,212 Trust Deeds gain protection status, had a further 1,186 approved Debt Payment Programmes under the Debt Arrangement Scheme, and a total of 0 Bankruptcies awarded. With a total number of 2,398 formal debt solutions approved during the period, this makes Trust Deed Scotland® (Harper McDermott Ltd) the leading provider overall. Informal debt solutions such as Debt Management Plans are not included in these statistics.
More information on these statistics are available from the Accountant in Bankrupty.
¹The 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.