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RECEIVED A NORTHAMPTON COUNTY COURT DEBT LETTER? Legally write off 90% of debts to Northampton County Court FREE SERVICE FCA Regulated Stop debt letters & calls Stop home visits Stop court action We help hundreds of people each month become debt free from Northampton County Court. Call 0800 193 1024. RECEIVED A COMMERCIAL & DOMESTIC INVESTIGATIONS DEBT Legally write off 90% of debts to Commercial & Domestic Investigations FREE SERVICE FCA Regulated Stop debt letters & calls Stop home visits Stop court action We help hundreds of people each month become debt free from Commercial & Domestic Investigations. Call 0800 193 1024. RECIEVED AN ARROW GLOBAL DEBT LETTER? WORRIED? HERES WHAT Phone: 0333 003 0303. If Arrow Global are unable to resolve your complaint, after 8 weeks you can refer the matter to the Financial Ombudsman Service (for credit cards, store cards, loans and insurance accounts) or the Credit Services Association (for utilities, telecommunications or WHAT IS A CCJ (COUNTY COURT JUDGMENT) AND HOW CAN YOU GET Overview of a CCJ. A creditor may take court action against you if you owe them money that you have not repaid. In England, Wales and Northern Ireland, a creditor can seek a County Court Judgment against you as part of the debt collection process. If the court agrees with the creditor that you owe the money, they will issue a CCJ whichorders
JC INTERNATIONAL ACQUISITION DEBT LETTERS JC International Acquisition Debt Letters – How To Stop Them. JC International Acquisition LLC is a leading debt purchaser. JCIA purchase debt from telecommunications companies, store finance, banks and credit card issuers, among others. RECEIVED A RUTHBRIDGE DEBT LETTER? Legally write off 90% of debts to Ruthbridge FREE SERVICE FCA Regulated Stop debt letters & calls Stop home visits Stop court action We help hundreds of people each month become debt free from Ruthbridge. Call 0800 193 1024. RECEIVED A ZINC COLLECTIONS DEBT LETTER? Legally write off 90% of debts to Zinc Collections FREE SERVICE FCA Regulated Stop debt letters & calls Stop home visits Stop court action We help hundreds of people each month become debt free from Zinc Collections. Call 0800 193 1024. RECEIVED A CREDIT STYLE DEBT LETTER? Legally write off 90% of debts to Credit Style FREE SERVICE FCA Regulated Stop debt letters & calls Stop home visits Stop court action We help hundreds of people each month become debt free from Credit Style. Call 0800 193 1024. RECEIVED A DIRECT COLLECTION BAILIFFS DEBT LETTER? Legally write off 90% of debts to Direct Collection Bailiffs FREE SERVICE FCA Regulated Stop debt letters & calls Stop home visits Stop court action We help hundreds of people each month become debt free from Direct Collection Bailiffs. Call 0800 193 1024. WILL I LOSE MY HOME IF I ENTER A TRUST DEED Sometimes property is worth more at end of the Trust Deed than at the beginning, and your Trustee could have a valuation performed at the end of the term to calculate if some equity can then be released. However, it is also possible to buy out the Trustee’s interest in the property with a one-off payment, which can be paid by you or athird
RECEIVED A NORTHAMPTON COUNTY COURT DEBT LETTER? Legally write off 90% of debts to Northampton County Court FREE SERVICE FCA Regulated Stop debt letters & calls Stop home visits Stop court action We help hundreds of people each month become debt free from Northampton County Court. Call 0800 193 1024. RECEIVED A COMMERCIAL & DOMESTIC INVESTIGATIONS DEBT Legally write off 90% of debts to Commercial & Domestic Investigations FREE SERVICE FCA Regulated Stop debt letters & calls Stop home visits Stop court action We help hundreds of people each month become debt free from Commercial & Domestic Investigations. Call 0800 193 1024. RECIEVED AN ARROW GLOBAL DEBT LETTER? WORRIED? HERES WHAT Phone: 0333 003 0303. If Arrow Global are unable to resolve your complaint, after 8 weeks you can refer the matter to the Financial Ombudsman Service (for credit cards, store cards, loans and insurance accounts) or the Credit Services Association (for utilities, telecommunications or WHAT IS A CCJ (COUNTY COURT JUDGMENT) AND HOW CAN YOU GET Overview of a CCJ. A creditor may take court action against you if you owe them money that you have not repaid. In England, Wales and Northern Ireland, a creditor can seek a County Court Judgment against you as part of the debt collection process. If the court agrees with the creditor that you owe the money, they will issue a CCJ whichorders
JC INTERNATIONAL ACQUISITION DEBT LETTERS JC International Acquisition Debt Letters – How To Stop Them. JC International Acquisition LLC is a leading debt purchaser. JCIA purchase debt from telecommunications companies, store finance, banks and credit card issuers, among others. RECEIVED A NATIONWIDE RECOVERIES DEBT LETTER? Legally write off 90% of debts to Nationwide Recoveries FREE SERVICE FCA Regulated Stop debt letters & calls Stop home visits Stop court action We help hundreds of people each month become debt free from Nationwide Recoveries. Call 0800 193 1024. RECEIVED A COMMERCIAL & DOMESTIC INVESTIGATIONS DEBT Legally write off 90% of debts to Commercial & Domestic Investigations FREE SERVICE FCA Regulated Stop debt letters & calls Stop home visits Stop court action We help hundreds of people each month become debt free from Commercial & Domestic Investigations. Call 0800 193 1024. HOW DO SCOTTISH TRUST DEEDS AFFECT EMPLOYMENT? For many people, a Scottish Trust Deed is the answer to their prayers – a simple debt management system that allows them to pay off a manageable amount of their debt each month with the remainder being written off at the end of the repayment term.. However, many people worry about the effect a Scottish Trust Deed could have on their career or job prospects. WHAT IS A ‘TIME TO PAY’ APPLICATION? A time to pay application is a form that you can complete when a creditor takes you to court for non-payment of debt and you are not disputing the amount owed or the liability.. It’s a form that gives you the right to apply to the court for an order which allows you to RECEIVED A MERLIGEN INVESTMENTS DEBT LETTER? Legally write off 90% of debts to Merligen Investments FREE SERVICE FCA Regulated Stop debt letters & calls Stop home visits Stop court action We help hundreds of people each month become debt free from Merligen Investments. Call 0800 193 1024. ARE DEBT CHARITIES REALLY FREE? SEE HOW THEY REALLY MAKE Scottish Trust Deed is a debt management company for people in Scotland. We help people like you get free of £5,000+ of debt by coming to an arrangement, such as a Scottish Trust Deed or Debt Arrangement Scheme, to pay off a proportion of your debt over a period of time, usually a minimum of four years. Out of the amount you pay,your
WHAT IS A CCJ (COUNTY COURT JUDGMENT) AND HOW CAN YOU GET Overview of a CCJ. A creditor may take court action against you if you owe them money that you have not repaid. In England, Wales and Northern Ireland, a creditor can seek a County Court Judgment against you as part of the debt collection process. If the court agrees with the creditor that you owe the money, they will issue a CCJ whichorders
PDCS (PAST DUE CREDIT SOLUTIONS) LETTERS AND HOW TO DEAL Write to PDCS (Past Due Credit Solutions) to Request them to Stop Contacting You (If That's What You Want) Under the FCA guidelines, if you request that a debt collector stop contacting you completely, it must do so (with a few exceptions). Your request must be WHAT IS THE MINIMAL ASSET PROCESS AND HOW DOES IT WORK? The Benefits Of The Minimal Asset Process. The key advantage of the MAP debt arrangement scheme is that, after six months, you will be discharged from all debts covered by the MAP. They will be legally written off, with the MAP acting as full and final settlement of your debt. Other benefits of a MAP include: You choose when to apply forthe MAP.
WHAT HAPPENS IF MY INCOME CHANGES WHILST IN A TRUST DEED? Encouragingly, the latest data from the Accountant in Bankruptcy shows that Scottish Trust Deeds have been successfully discharged in more than 75% of cases since 2008. So whilst changes to your income (amongst other things) can lead to a trust deed failure, the RECEIVED A RUTHBRIDGE DEBT LETTER? Legally write off 90% of debts to Ruthbridge FREE SERVICE FCA Regulated Stop debt letters & calls Stop home visits Stop court action We help hundreds of people each month become debt free from Ruthbridge. Call 0800 193 1024. RECEIVED A OPOS DEBT LETTER? Legally write off 90% of debts to Opos FREE SERVICE FCA Regulated Stop debt letters & calls Stop home visits Stop court action We help hundreds of people each month become debt RECEIVED A VILLAGE INVESTIGATIONS DEBT LETTER? Legally write off 90% of debts to Village Investigations FREE SERVICE FCA Regulated Stop debt letters & calls Stop home visits Stop court action We help hundreds of people each month become debt free from Village Investigations. Call 0800 193 1024. RECEIVED A NATIONWIDE RECOVERIES DEBT LETTER? Legally write off 90% of debts to Nationwide Recoveries FREE SERVICE FCA Regulated Stop debt letters & calls Stop home visits Stop court action We help hundreds of people each month become debt free from Nationwide Recoveries. Call 0800 193 1024. RECEIVED A CREDIT STYLE DEBT LETTER? Legally write off 90% of debts to Credit Style FREE SERVICE FCA Regulated Stop debt letters & calls Stop home visits Stop court action We help hundreds of people each month become debt free from Credit Style. Call 0800 193 1024. RECEIVED A DIRECT COLLECTION BAILIFFS DEBT LETTER? Legally write off 90% of debts to Direct Collection Bailiffs FREE SERVICE FCA Regulated Stop debt letters & calls Stop home visits Stop court action We help hundreds of people each month become debt free from Direct Collection Bailiffs. Call 0800 193 1024. MENTAL CAPACITY & DEBT For the purposes of this guide, we’re drawing a distinction between mental capacity and mental health issues. Mental capacity describes someone’s ability to understand their debt issues or make decisions about them.‘Mental health issues’ describes those thoughts, illnesses or traits (e.g. depression) that someone may possess which do not affect understanding, but which may make it REBUILDING YOUR CREDIT RATING AFTER A SCOTTISH TRUST DEED After your Trust Deed has finished, you’ll be raring to get your life back to normal. The rest of your debt has been written off and for the first time in years the burden of debt weighing you down has been lifted.. There’s just one little problem – your credit rating.Once you had a credit card with a limit of thousands, now anything that requires a credit check is an obstacle. RECEIVED A FAIRHALSEN COLLECTIONS DEBT LETTER? Legally write off 90% of debts to Fairhalsen Collections FREE SERVICE FCA Regulated Stop debt letters & calls Stop home visits Stop court action We help hundreds of people each month become debt free from Fairhalsen Collections. Call 0800 193 1024. RECIEVED AN ARROW GLOBAL DEBT LETTER? WORRIED? HERES WHATARROW GLOBAL ASSET DISPOSITION INCARROW GLOBAL ENTERTAINMENT Phone: 0333 003 0303. If Arrow Global are unable to resolve your complaint, after 8 weeks you can refer the matter to the Financial Ombudsman Service (for credit cards, store cards, loans and insurance accounts) or the Credit Services Association (for utilities, telecommunications or RECEIVED A RUTHBRIDGE DEBT LETTER? Legally write off 90% of debts to Ruthbridge FREE SERVICE FCA Regulated Stop debt letters & calls Stop home visits Stop court action We help hundreds of people each month become debt free from Ruthbridge. Call 0800 193 1024. RECEIVED A OPOS DEBT LETTER? Legally write off 90% of debts to Opos FREE SERVICE FCA Regulated Stop debt letters & calls Stop home visits Stop court action We help hundreds of people each month become debt RECEIVED A VILLAGE INVESTIGATIONS DEBT LETTER? Legally write off 90% of debts to Village Investigations FREE SERVICE FCA Regulated Stop debt letters & calls Stop home visits Stop court action We help hundreds of people each month become debt free from Village Investigations. Call 0800 193 1024. RECEIVED A NATIONWIDE RECOVERIES DEBT LETTER? Legally write off 90% of debts to Nationwide Recoveries FREE SERVICE FCA Regulated Stop debt letters & calls Stop home visits Stop court action We help hundreds of people each month become debt free from Nationwide Recoveries. Call 0800 193 1024. RECEIVED A CREDIT STYLE DEBT LETTER? Legally write off 90% of debts to Credit Style FREE SERVICE FCA Regulated Stop debt letters & calls Stop home visits Stop court action We help hundreds of people each month become debt free from Credit Style. Call 0800 193 1024. RECEIVED A DIRECT COLLECTION BAILIFFS DEBT LETTER? Legally write off 90% of debts to Direct Collection Bailiffs FREE SERVICE FCA Regulated Stop debt letters & calls Stop home visits Stop court action We help hundreds of people each month become debt free from Direct Collection Bailiffs. Call 0800 193 1024. MENTAL CAPACITY & DEBT For the purposes of this guide, we’re drawing a distinction between mental capacity and mental health issues. Mental capacity describes someone’s ability to understand their debt issues or make decisions about them.‘Mental health issues’ describes those thoughts, illnesses or traits (e.g. depression) that someone may possess which do not affect understanding, but which may make it REBUILDING YOUR CREDIT RATING AFTER A SCOTTISH TRUST DEED After your Trust Deed has finished, you’ll be raring to get your life back to normal. The rest of your debt has been written off and for the first time in years the burden of debt weighing you down has been lifted.. There’s just one little problem – your credit rating.Once you had a credit card with a limit of thousands, now anything that requires a credit check is an obstacle. RECEIVED A FAIRHALSEN COLLECTIONS DEBT LETTER? Legally write off 90% of debts to Fairhalsen Collections FREE SERVICE FCA Regulated Stop debt letters & calls Stop home visits Stop court action We help hundreds of people each month become debt free from Fairhalsen Collections. Call 0800 193 1024. RECIEVED AN ARROW GLOBAL DEBT LETTER? WORRIED? HERES WHATARROW GLOBAL ASSET DISPOSITION INCARROW GLOBAL ENTERTAINMENT Phone: 0333 003 0303. If Arrow Global are unable to resolve your complaint, after 8 weeks you can refer the matter to the Financial Ombudsman Service (for credit cards, store cards, loans and insurance accounts) or the Credit Services Association (for utilities, telecommunications or RECEIVED A NATIONWIDE RECOVERIES DEBT LETTER? Legally write off 90% of debts to Nationwide Recoveries FREE SERVICE FCA Regulated Stop debt letters & calls Stop home visits Stop court action We help hundreds of people each month become debt free from Nationwide Recoveries. Call 0800 193 1024. RECEIVED A CREDIT STYLE DEBT LETTER? Legally write off 90% of debts to Credit Style FREE SERVICE FCA Regulated Stop debt letters & calls Stop home visits Stop court action We help hundreds of people each month become debt free from Credit Style. Call 0800 193 1024. WHAT HAPPENS TO YOUR BANK ACCOUNT IN A TRUST DEED? If your present bank is one of the creditors and they get wind that you are planning on undergoing a trust deed Scotland application, they can freeze or close down the account to ensure that they are compensated for your debts. Before you go through this process, consider talking to us so we can work with you hand-in-hand and getyou debt-free.
WILL I LOSE MY HOME IF I ENTER A TRUST DEED Sometimes property is worth more at end of the Trust Deed than at the beginning, and your Trustee could have a valuation performed at the end of the term to calculate if some equity can then be released. However, it is also possible to buy out the Trustee’s interest in the property with a one-off payment, which can be paid by you or athird
ARE DEBT CHARITIES REALLY FREE? SEE HOW THEY REALLY MAKE Scottish Trust Deed is a debt management company for people in Scotland. We help people like you get free of £5,000+ of debt by coming to an arrangement, such as a Scottish Trust Deed or Debt Arrangement Scheme, to pay off a proportion of your debt over a period of time, usually a minimum of four years. Out of the amount you pay,your
INHERITANCE AND YOUR SCOTTISH TRUST DEED The answer to that question depends on timing. Legally, your inheritance is deemed to have taken place at the date of the deceased’s death. If that date of death was before you applied for a protected trust deed, any money you inherit will be included in the assets used by the trustee to pay off debts. If you inherit propertythat isn’t
HOW DO SCOTTISH TRUST DEEDS AFFECT EMPLOYMENT? For many people, a Scottish Trust Deed is the answer to their prayers – a simple debt management system that allows them to pay off a manageable amount of their debt each month with the remainder being written off at the end of the repayment term.. However, many people worry about the effect a Scottish Trust Deed could have on their career or job prospects. RECEIVED A JEFFERSON CAPITAL INTERNATIONAL DEBT LETTER Legally write off 90% of debts to Jefferson Capital International FREE SERVICE FCA Regulated Stop debt letters & calls Stop home visits Stop court action We help hundreds of people each month become debt free from Jefferson Capital International. Call 0800 193 1024. WHAT TO DO IF YOU HAVE DEBT WITH BARCLAYS What to do if you have debt with Barclays . Barclays plc is a UK high street bank, with its origins dating back to 1690. Nowadays, Barclays is one of the ‘Big Four’ banks, offering its customers a range of financial products and services. HOW TO STOP ENFORCEMENT ACTION FROM CREDIT G DEBT COLLECTORS Credit G Ltd – A Guide To Handling Credit G’s Demands For Debt Repayment . Established in 1998, Credit G Limited is a credit management company which provides debt collection services throughout the UK to both public and private sector clients.×
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WRITE OFF UNAFFORDABLE DEBTS WITH A TRUST DEED IN SCOTLAND… * Lower Monthly Repayments * Stop Pressure From Creditors * Regulated By The FCADO I QUALIFY? __
Apply Now
WHAT IS A TRUST DEED SCOTLAND?A Trust Deed
is a formal agreement between you and your creditors to pay back what you can afford towards your debts. Once Protected it is an extremely powerful legal tool to help you back on the road to financial stability. It is designed for people who have taken out too much debt and are struggling to meet their monthlyrepayments.
The minimum repayment period for a Trust Deed Scotland is 48 months* (4 years) unless an alternative arrangement is agreed. You will be required to pay a set amount per month for the 48 month (or longer) period. At the end of term, provided that you have met your obligations and the Trust Deed is not extended, you will be discharged from any obligations and outstanding unsecured debts. If you live in England, Ireland or Wales the counterpart is an IVA (Individual Voluntary Arrangement).
* The minimum period for a Scottish Trust Deedis 48 months,
although depending on your circumstances the payment period could belonger.
IS THIS A LEGITMATE SCHEME? Yes absolutely. The Trust Deed Solution was established by and is governed by PROTECTED TRUST DEED (SCOTLAND) REGULATIONS 2008 and constitutes a formal repayment proposal presented to a debtor's creditors via an insolvency practitioner. See more information hereSEE IF YOU QUALIFY
Question 1 of 5
What is the total sum of debt?Under £5,000
Over £5,000
DON’T FEEL ALONE IN DEBT 7,283 Trust deeds processed last year in Scotland(2018/19)
Figures taken from AiB £25 million Total repaid to creditors through TrustDeeds
(PTDs concluded, where a dividend was payable) Figures taken from AiB 60% Average reduction in monthly repayments 9.4/10 How our customers rated us on TrustPilot To find out more about managing your money and getting free advice, visit Money Advice Service,
an independent service set up to help people manage their money.TRUST DEED EXAMPLE
Here is an example of how a Scottish Trust Deed could make your debtsaffordable.
EXAMPLE UNSECURED DEBTS1
Personal loan
£8,000
2
Credit card 1
£6,812
3
Council Tax
£4,092
4
HMRC Debts
£5,399
4
Over payments
£5,200
4
Overdraft
£700
Total Owed
£30,204
YOUR MONTHLY REPAYMENTS WOULD BEBEFORE
a Scottish Trust Deed £748 (total contractual repayments)AFTER
a Scottish Trust Deed £295 (total contractual repayments)Reduced by
60%
* Subject to creditor acceptance * Payment subject to individual circumstances * Credit rating may be affected * Fees apply, subject to individual's circumstances. For more information on our fees click here DO I QUALIFY FOR A TRUST DEED SCOTLAND? To qualify you must meet the following criteria: * You currently live in or have lived in Scotland within the last 12 months, or have a place of business in Scotland * You have debts of £5,000 or more * You are able to pay a monthly contribution from income and/or have realisable assets that will enable a minimum return to creditors of10p in the pound
* You are insolvent (you are unable to pay your debts as they fall due and/or your liabilities are greater than your assets) HOW TO APPLY FOR A TRUST DEED SCOTLAND We make it as easy as possible. Here’s how: * Simply fill out the form here or give us a call on 0800 193 1024 and one of our experienced advisors will call you back at a time requested by you. * If you decide to proceed then an adviser will arrange a face-to-face meeting at your home, another convenient place or at ouroffice in Glasgow
,
should this be convenient. Alternatively, a further telephone meeting will be arranged should a face to face meeting not be possible, forwhatever reason.
* At the meeting an adviser will assess your financial position and advise you of the options available to you. * If you are suitable for a Trust Deed and choose to go ahead with it, you will be asked to sign the relevant documents after being given time to fully consider your decision. This will involve more than onemeeting.
HOW MUCH DOES IT COST TO SETUP? Our initial advice is free and there is no cost if you change your mind after having met with one of our advisers. Should you choose to enter into a trust deed scotland or IVA then there will be a charge for our services. Your adviser will explain this fully and further information can be found by clicking here.
AM I DEALING WITH A LEGITIMATE COMPANY? Scottishtrustdeed.co.uk are authorised and regulated by the Financial Conduct Authority (FRN769794) so you can rest assured our advice is compliant. We can provide advice on Trust Deeds, IVAs, Debt Arrangement Schemes Minimal Asset Process (MAP) and Sequestration. DOWNLOAD OUR FREE DEBT BROCHURE Get an overview of all the available debt solutions in our debt guide; * Scottish Trust Deeds* IVAs
* Debt Arrangement Schemes * Minimal Asset Process * Debt Management Plans * Bankruptcy (Sequestration) DOWNLOAD OUR FREE DEBT BROCHURE Get an overview of all the available debt solutions in our debt guide; * Scottish Trust Deeds* IVAs
* Debt Arrangement Schemes * Minimal Asset Process * Debt Management Plans * Bankruptcy (Sequestration) You can browse each debt solution at your own pace and see which one is right for you, or simply visit our for a more in depth understanding of each available solution, along with a comparison table to compare each one.DOWNLOAD NOW__
You can browse each debt solution at your own pace and see which one is right for you, or simply visit our for a more in depth understanding of each available solution, along with a comparison table to compare each one.INSOLVENCY MAP
See the most popular areas for Trust Deeds in Scotland for 2018 Trust Deeds in Scotland are fast becoming the debt solution of choice for people who are struggling with their debts and want to avoidbankruptcy.
Our new interactive map combines data from the AiB (Accountant In Bankruptcy) to show the countries most popular hot spots for the Trust Deed debt solution. Simply click on an area on the map to see how many people took out a Scottish Trust Deed in 2018.SEE MAP NOW__
INSOLVENCY MAP
Trust Deeds in Scotland are fast becoming the debt solution of choice for people who are struggling with their debts and want to avoidbankruptcy.
Our new interactive map combines data from the AiB (Accountant In Bankruptcy) to show the countries most popular hot spots for the Trust Deed debt solution. Simply click on an area on the map to see how many people took out a Scottish Trust Deed in 2018.SEE MAP NOW__
SEE IF YOU QUALIFY
Question 1 of 5
What is the total sum of debt?Under £5,000
Over £5,000
DEBT COLLECTOR & BAILIFF HELP GUIDES Getting hassle from a creditor or debt collector? Dealing with creditors and debt collectors can be daunting. Harrassingphone
calls, debt letters and home visits are enough to increase stresslevels and
make you bury your head in the sand further. We created these handy guides section on how to deal with creditors,debt
collectors and bailiffs. Simply search for the company thatscorresponding
with you and read our guide on how to deal with them. Each guide comes with expert advice, videos, tips and downloadableletters
which you can use to keep them at bay DEBT COLLECTOR HELP__ DEBT COLLECTOR & BAILIFF HELP GUIDES Getting hassle from a creditor or debt collector? Dealing with creditors and debt collectors can be daunting. Harrassingphone
calls, debt letters and home visits are enough to increase stresslevels and
make you bury your head in the sand further. We created these handy guides section on how to deal with creditors,debt
collectors and bailiffs. Simply search for the company thatscorresponding
with you and read our guide on how to deal with them. Each guide comes with expert advice, videos, tips and downloadableletters
which you can use to keep them at bay DEBT COLLECTOR HELP__ FREQUENTLY ASKED QUESTIONS Got a question? Maybe we can have an answer for you here…* All
* Homepage
__ WILL A TRUST DEED AFFECT MY MORTGAGE? credit rating – having a TRUST DEED WILL AFFECT YOUR credit rating for 6 years from the date the TRUST DEED begins. This can make it harder to get credit like a MORTGAGE or a loan in the future. selling YOUR belongings and property – you may have to sell some of the things you own (YOUR assets) such as YOURHOME.
__ DOES A TRUST DEED AFFECT CREDIT RATING?Yes a TRUST DEED
DOES AFFECT your CREDIT RATING because you are breaching the original contractual terms of the CREDIT agreement. It’s important to remember, if you have already missed payments or have been paying reduced amounts to your creditors then your CREDIT RATING may already have been adversely affected. __ HOW DOES A SCOTTISH TRUST DEED WORK?How A TRUST DEED
In SCOTLAND WORKS. A TRUST DEED is legally binding agreement between you and your creditors to pay back only what you can afford towards your debts over a set period. You make one lower, affordable monthly repayment typically 48 months and any remaining debt left at the end of the term is legally written off. __ DO I GET MY PROPERTY BACK WHEN I GET MY DISCHARGE? Once you have transferred assets to your trustee, it is his duty to sell them for the benefit of your creditors. Any assets or money left over after all the expenses and debts have been paid should bereturned to you.
__ WHEN WILL I BE DISCHARGED FROM MY DEBTS? It will say in your agreement how long it is to run for and when you will be discharged. Normally it is 4 years from the date you sign it (though it can be longer). But unlike in a sequestration,
this discharge is not automatic. Your creditors must discharge your trustee before you can bedischarged.
This means a Protected Trust Deed may remain open in the Register of Insolvenciesfor
some time after the 4 years. Your discharge is usually binding on all your creditors. This means they can’t chase you for the money you owed them before you signed the agreement. But there are 2 exceptions. These are; * Debts not covered by the agreement (like over-payment of social security), or if a creditor who objected to the agreement can prove in court that he would have got more of his money back if you had been made bankrupt. This is a very rare event indeed. * If the Trust Deed fails to become protected, your discharge does not stop creditors who objected in the first place still chasing you for the money you owethem.
__ WILL CREDIT REFERENCE AGENCIES BLACKLIST ME? No, you won’t be blacklisted but you may find it difficult to obtain credit whilst on the plan and for a period after. Once the plan is complete your credit rating will start to improve. There are things you can do to help improve your credit rating,
like taking out a credit card and paying it off in full every month. This shows lenders that you can borrow money responsibly and pay it back on time and in full. This is one of the most effective ways to improve your credit file. __ CAN MY TRUSTEE SELL MY HOUSE? Yes. They can sell all the property,
but, if your house is jointly owned or if it is the family home, your trustee needs the permission of the other owner or anyone else who has rights to live in the house. If the other owner refuses permission to sell, the trustee can go to court to try and force what is known as a division and sale. If this is granted, the house can be sold, and your share of the money raised will go to pay off your debts. The other owner will get theirshare).
Normally if you have Equity in your property a small re-mortgage to raise funds will prevent home being sold. __ CAN I BE SEQUESTRATED FOR ANY OTHER REASON? Sometimes, but it doesn’t happen very often. * Your trustee can petition to have you sequestrated at any time they think it would raise more money for your creditors. * If one of your creditors thinks they can prove that they can get more of their money repaid if you are sequestrated, they can present a petition in the court for your sequestration,
even if it has been ‘PROTECTED’. These are both very rare events. If you run up more debt after you have signed the Trust Deed,
the people you owe the new debt to can petition for yoursequestration.
__ HOW DO I APPLY FOR A TRUST DEED? Simply use our free calculatorhere. Based on the
information you provide our system we calculate whether you qualify, and we will contact you to begin processing your application. *Our advice is free but it may lead to other work for which we may raise charges. Any work that we propose to undertake that may be chargeable will be fully explained before you commit to any course ofaction.
We will not do any chargeable work without your clear approval and you will be able to stop us working before any charges are incurred if you are not completely happy. You can read more about our fees here. READ MORE FAQS HERE__DEBT KNOWLEDGE HUB
* Sample Debt Letter To Send To Your Creditors__ * Facing Redundancy And I’m In Debt. What Should I Do? – FreeAdvice__
* Insolvency & Coronavirus – What to Do If You Can’t Afford toPay__
* Coronavirus – When Should I Ask For Debt Help?__ * What Happens After An IVA?__ * Are IVAs a Legitimate Government Scheme?__ * An IVA Mythbuster (Individual Voluntary Arrangements)__RESOURCES
* How Does A Trust Deed Affect Your Credit Rating? * Rebuilding Your Credit Rating After A Trust Deed* Trust Deed FAQ
* How It Works
* Client Case Study
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