Trust Deed Scotland

  • Lower monthly repayments
  • Freeze interest and charges
  • Write off debt you can’t pay
Do I Qualify
98% of our customers rated us as 5/5 on TrustPilot
over 12,000
reviews
30,000 helped
since 2009

Free debt counselling, debt adjusting and providing of credit information services is available to customers by contacting MoneyHelper.

Scotland’s No. 1Debt Solutions provider

Trust Deed Scotland® is Scotland’s No.1 Debt Solutions provider, specialising in Protected Trust Deeds and the Debt Arrangement Scheme (DAS)¹.

These solutions, enable you to stop making your existing payments on your unsecured debts such as credit cards, loans, and other types of debt that you realistically can’t afford to repay. Your repayments will then be replaced with a new lower single monthly payment based on what you can afford, paid over a fixed timeframe.

A Trust Deed can write off your unaffordable debt*.

Once in place, we deal with your creditors on your behalf, they are legally not allowed to contact you for payment, this means that you can just get on with life without worrying about debt. When the agreement is completed, all debts included in your plan will be written off.

To find out what your options are, simply start with the Trust Deed Wizard tool or just call us on 0141 221 0999.

Do I Qualify

You’re in safe hands

We have more 5 Star Reviews than all other Trust Deed providers combined
5 out of 5 stars

"I can't recommend Harper McDermott enough.

Very easy to set up with a realistic monthly payment for my Trust Deed. Just paid my last payment and I am now debt free!"

Megan
5 out of 5 stars

"Very helpful and supported me in getting out of the financial hole I found myself in. It reduced my stress and anxiety, ensuring I had enough money each month to spend time with my family and enjoy life!"

Mark
5 out of 5 stars

"Harper McDermott helped me set up a Trust Deed four years ago, in order to clear my debt. The entire experience was extraordinary, everyone who I spoke to was understanding and extremely helpful."

Jasna
5 out of 5 stars

"I had an amazing experience. After struggling for a long time Harper McDermott solved all my problems in just a few days. They were so helpful, friendly and professional."

Sandy
Trustpilot
  • 30,000 People Helped Since 2009
  • Industry Leading Approval Rates
  • No.1 On TrustPilot Debt Relief Category
  • Employee Owned We All Care

Unsecured Debt

Personal Loan
£10,000
Credit Cards
£6,000
Store Cards
£1,600
Council Tax Arrears
£1,200
Total Owed
£18,800

Customer Repayments*

Before £450 (Total Contractual Repayments)
After £175 (Total Contractual Repayments)
Reduced by61%

*Subject to creditor acceptance. Payment subject to individual circumstances. Credit rating may be affected.

Types of debt we help with

We provide you with a solution to all of your unsecured debts, including the following:

  • Credit Cards
  • Personal Loans
  • Overdrafts
  • Store Cards
  • Council Tax Arrears
  • Catalogues
  • Payday Loans
  • Unsecured Car Finance

Use your mobile

With our Trust Deed Wizard® we can quickly find out what your options are using text chat.

  • 100% Encrypted, secure & confidential
  • Don’t know all your debt? We can help
  • Easy to use text chat
Start Now

You are not not alone

  • Every year, thousands of people in Scotland benefit from formal debt solutions who have either a change in circumstance or just over committed to debt repayments.

  • Once agreed, you can stop paying your existing debt payments and replace them with a new single affordable monthly payment to your debt on a fixed timeframe.

  • During this time, any interest and fees on your debts will be frozen and your creditors are legally prohibited from contacting you for payment.

  • Upon completion of your chosen debt solution, all debts included in your plan will be written off.

Do I Qualify

A little bit about us

Trust Deed Scotland® have helped over 30,000 people with their unaffordable debts, and we are one of the largest providers of debt solutions in Scotland. We will always have your interests at heart.

  • No.1 Scottish company on Trustpilot, in the debt relief category.

  • We can explain Trust Deeds and the other debt options available to you, such as: the Debt Arrangement Scheme (DAS); Minimal Asset Process (MAP) and Sequestration.

  • We have our own in-house team that sets up your debt solution.

  • We don’t sell your details onto other companies.

  • Employee owned – we all care about getting you the best outcome.

  • Every year we help thousands of people out of debt.

  • Free initial advice, no setup fees.

  • We understand the impact that debt can have.

Do I Qualify

Info Hub

Frequently Asked Questions

Scotland’s No.1 Debt Solutions Provider
write-off figure of up to 70% is based on 1,671 Protected Trust Deeds currently administered by Trust Deed Scotland® and protected between 1 January 2023 and December 31 2023.

The expected write-off percentage includes the costs of administering each Protected Trust Deed (PTD). More information relating to the costs of administration can be found by clicking here on our Fees Information page.

In this sample of PTDs, the expected write-off figure reaches as high as 84%. 226 PTDs or 13.5% of the cases have an expected debt write-off percentage between 70% and 84%. The average (mean) expected write-off is 51%.

Your decision to apply for a Protected Trust Deed should not be taken purely on a proposed debt write off amount alone. It is very rare for a Trust Deed not to be protected with Trust Deed Scotland® and we have one of the best protection rates in our industry, for example, in 2023, we achieved a protection rate of 98.6%, this made us the best performing volume provider of Protected Trust Deeds in Scotland.

Trust Deed Scotland® provide tailored debt advice on all available debt solutions in Scotland.

We make sure that our customers get personalised debt advice based on their affordability, lifestyle and needs. May not be suitable for all. Will affect credit rating.
To find out what your options are, simply complete our online form or just call us on 0141 221 0999.

What are the differences between DAS and Trust Deeds?
write-off figure of up to 70% is based on 1,671 Protected Trust Deeds currently administered by Trust Deed Scotland® and protected between 1 January 2023 and December 31 2023.

The expected write-off percentage includes the costs of administering each Protected Trust Deed (PTD). More information relating to the costs of administration can be found by clicking here on our Fees Information page.

In this sample of PTDs, the expected write-off figure reaches as high as 84%. 226 PTDs or 13.5% of the cases have an expected debt write-off percentage between 70% and 84%. The average (mean) expected write-off is 51%.

Your decision to apply for a Protected Trust Deed should not be taken purely on a proposed debt write off amount alone. It is very rare for a Trust Deed not to be protected with Trust Deed Scotland® and we have one of the best protection rates in our industry, for example, in 2023, we achieved a protection rate of 98.6%, this made us the best performing volume provider of Protected Trust Deeds in Scotland.

Trust Deed Scotland® provide tailored debt advice on all available debt solutions in Scotland.

We make sure that our customers get personalised debt advice based on their affordability, lifestyle and needs. May not be suitable for all. Will affect credit rating.
To find out what your options are, simply complete our online form or just call us on 0141 221 0999.

What’s the downside to this? 
write-off figure of up to 70% is based on 1,671 Protected Trust Deeds currently administered by Trust Deed Scotland® and protected between 1 January 2023 and December 31 2023.

The expected write-off percentage includes the costs of administering each Protected Trust Deed (PTD). More information relating to the costs of administration can be found by clicking here on our Fees Information page.

In this sample of PTDs, the expected write-off figure reaches as high as 84%. 226 PTDs or 13.5% of the cases have an expected debt write-off percentage between 70% and 84%. The average (mean) expected write-off is 51%.

Your decision to apply for a Protected Trust Deed should not be taken purely on a proposed debt write off amount alone. It is very rare for a Trust Deed not to be protected with Trust Deed Scotland® and we have one of the best protection rates in our industry, for example, in 2023, we achieved a protection rate of 98.6%, this made us the best performing volume provider of Protected Trust Deeds in Scotland.

Trust Deed Scotland® provide tailored debt advice on all available debt solutions in Scotland.

We make sure that our customers get personalised debt advice based on their affordability, lifestyle and needs. May not be suitable for all. Will affect credit rating.
To find out what your options are, simply complete our online form or just call us on 0141 221 0999.

Will my creditors agree to a Trust Deed?
write-off figure of up to 70% is based on 1,671 Protected Trust Deeds currently administered by Trust Deed Scotland® and protected between 1 January 2023 and December 31 2023.

The expected write-off percentage includes the costs of administering each Protected Trust Deed (PTD). More information relating to the costs of administration can be found by clicking here on our Fees Information page.

In this sample of PTDs, the expected write-off figure reaches as high as 84%. 226 PTDs or 13.5% of the cases have an expected debt write-off percentage between 70% and 84%. The average (mean) expected write-off is 51%.

Your decision to apply for a Protected Trust Deed should not be taken purely on a proposed debt write off amount alone. It is very rare for a Trust Deed not to be protected with Trust Deed Scotland® and we have one of the best protection rates in our industry, for example, in 2023, we achieved a protection rate of 98.6%, this made us the best performing volume provider of Protected Trust Deeds in Scotland.

Trust Deed Scotland® provide tailored debt advice on all available debt solutions in Scotland.

We make sure that our customers get personalised debt advice based on their affordability, lifestyle and needs. May not be suitable for all. Will affect credit rating.
To find out what your options are, simply complete our online form or just call us on 0141 221 0999.

Download Our Free Scottish Debt Guide

Once you’ve downloaded your free Scottish Debt Guide, you can get in touch with us and see if you’d qualify for a Trust Deed, the Debt Arrangement Scheme or an alternative.

Download