Category: Debt Help Stories

Where can I find Trust Deed Scotland reviews?

Posted on by Craig Stocks
Trust Deed Scotland have earned over [reviews] reviews from the [volume] people we’ve helped since 2009. Researching debt solutions in Scotland including Scottish Trust Deeds and the Debt Arrangement Scheme and their respective risks and benefits may allow you to understand the inner-mechanics more concisely and help give you peace-of-mind that there is help available for you. However, with so many different companies online offering the same or similar sounding solutions – it can be difficult knowing which companies you can trust. Should you find yourself in a difficult situation, one that may mean that you need to consider getting your personal finances under control using a statutory debt solution, this in itself may create increased indecision and may raise your anxiety levels. At Trust Deed Scotland, we’re very proud of the reviews that we’ve received over the years, and below we’ve selected some of the reviews that we received throughout 2020. Reviews that we believe encapsulate our high level of service and desire to achieve a fantastic end result for the clients that approach us looking for help with their unaffordable debts.
  • We’re No.1 rated out of 42 ranked companies in the category of debt relief service on Trustpilot.
  • Over 98% of our clients rated us 5/5 on Trustpilot.
When we talk to new clients, we usually refer them to our reviews as a signal of our trustworthiness, and so that our clients can find reviews that resonate with their own situation. Many people put off seeking help with debt due to the fear of being judged, embarrassed, or ashamed. However, we hope that if you are feeling this way too – it’s important to know that we’re here for you and that you’re not alone. If you want to talk to us in confidence, you can reach us on 0141 221 0999. One call with an experienced debt advisor offering tailored, non-judgemental debt advice could change your life for the better. ★★★★★ Polly wrote of their Trust Deed Scotland experience: Spoke with Matthew at Trust Deed Scotland and he provided useful explanations and a variety of options to effectively deal with solutions to my debt. I am grateful. The trustful and understanding tone and clarity of the processes were communicated to me in an honest way that reassured me that Trust Deed Scotland had my priorities and best interests in mind and helped me better understand the options and the processes to manage my debt. On contacting Trust Deed Scotland the initial conversations dispelled some fears and concerns that were worrying me. In my experience, I can wholeheartedly and without hesitation recommend Trust Deed Scotland to constructively help you as they have helped me, in the dilemma to help deal with a solution to your debt. Do not despair and contact Trust Deed Scotland. They provided me with a professional service which reduced my debt to a manageable amount for repayment. Many thanks to Matthew at Trust Deed Scotland, much appreciated.” ★★★★★ Stephanie wrote about her Trust Deed Scotland experience in October 2020: “Massive weight off our shoulders. We had built up a lot of debt and maxed out our credit cards. We were paying an extortionate amount every month and couldn’t keep our heads above water. I was nervous about calling but I’m so glad I did. Spoke to a lovely lady called Danielle who made me feel so at ease. She managed to sort us out on a 48 month payment plan and got a lot of our debt written off so we’re now paying less than half than we were and even managed to protect our car payments and keep our car. It’s great to finally feel like we’re not fighting a losing battle and in a few short years, we will be debt free and have a fresh start. Wish we had done it sooner.” ★★★★★ M Lowe described their experience with Trust Deed Scotland: “When you’re sat looking at your piles of letters demanding you owe this and that that you’ve been ignoring. It really can be very mentally draining. It took me a while to even think about signing up to a trust deed I had a look about and found trust deed Scotland and was not disappointed. Matthew was brilliant from the get-go. I felt instantly at ease and he has kept in contact often and assured me of any worries. I can tell you that wow, what a weight it is to have lifted off your shoulders. To feel confident that you will get clear of your debts and you will be able to say I’m debt free and not have the worry of every door knock or unknown phone call that it could be someone chasing you. I’ve already recommended Trust Deed Scotland to two friends I know in similar situations as me.” ★★★★★ Ashley said: “Was a bit sceptical about doing the Trust Deed as I saw it advertised on Facebook. Now I feel its the best thing I’ve done to get rid of my debt. Vicky my advisor was amazing and really helpful, the whole process only took a couple of days and not millions of forms to sign. Great experience with these guys.” ★★★★★ Towards the end of the year, our client Grant advised: “Don’t know where I’d be without Trust Deed Scotland. The sleepless nights were endless and after speaking with them I felt such a relief. Matt was incredible, took every detail financially required and left no stone unturned, he kept in constant contact and was transparent with the pros and cons of all advice given. I genuinely feel like I’ve been given a second chance with my finances and I couldn’t be happier. I can now focus on my family 100% without worrying. Having been paying £650 every month to my debts, I’m now down to £194 per month and I’m so relieved and thrilled with the service provided.” ★★★★★

Search for Trust Deed Scotland reviews online

You can find over [reviews] reviews online on our own Trust Deed Scotland reviews page, or check out our Trustpilot profile. All reviews that we receive are written in our customers’ own words, independently and without influence on what they should write or without an incentive to do so.

Get help with unaffordable debts today

You can get Scottish debt advice today by calling Trust Deed Scotland® on 0141 221 0999 or by completing our Trust Deed Wizard® form. Our experienced debt advisers give friendly, confidential and non-judgemental debt advice that covers the advantages and disadvantages of all formal debt solutions open to Scottish residents.

55% of Young Scots Losing Sleep Worrying About Debt

Posted on by Craig Stocks
A poll commissioned by the registered debt charity Christians Against Poverty (Scotland) found that 55% of young Scots aged 16-34 are losing sleep worrying about their personal finances with almost 60% revealing that it is negatively affecting their mental health. The survey, conducted by Savanta ComRes, a market research consultancy based in London, surveyed over one thousand Scots and said that 54% of those in the 16-34 age category did not know where to access free debt help. Speaking in regards to the findings of the survey, the National Director of Christians Against Poverty Scotland, Emma Jackson said: “We know that the economic effects of the pandemic have had a particular effect on young adults. With significant job losses in retail, hospitality and entertainment, it is understandable why large numbers are feeling so worried about their finances. “Many are experiencing debt for the first time and are unsure of what to do. Our message is clear, we urge everyone experiencing problem debt to seek free debt help today.” Trust Deed Scotland said: “We’re aware of the impact that having unaffordable debt can have on the mental health of those who have problem debt, and how that stress can also impact their wider family life. Not only do we see this same trend amongst younger Scots, but among all age groups. As an organisation who have advised over 25,000 Scots from all walks of life, a regular response to our five-star rated TrustPilot reviews talks about how our clients are once able to sleep again at night after a debt solution has been put in place for them. As there is also a stigma attached to being in debt, many people who do have problem debt will avoid seeking help and ultimately attempt to struggle on alone. In agreement with Christians Against Poverty Scotland, we understand the effect of having unaffordable debt has on the frame of mind of any individual who is experiencing financial difficulties and we’re also advising those who are struggling with their unaffordable debt to seek debt help immediately. Our experienced debt advice team at Trust Deed Scotland give non-judgemental, friendly tailored debt advice for residents of Scotland. If you’re struggling with debt, call us on 0141 221 0999 in confidence.”

Problem Debt and Mental Health links

Debt and mental health are frequently linked. In a study conducted by The Money and Mental Health Policy Institute, it was revealed that there were over 1.5m people in England experiencing both problem debt and mental health problems. People with problem debt are significantly more likely to experience mental health problems:
  • 46% of people in problem debt also have a mental health problem.
  • 86% of respondents to the survey of nearly 5,500 people with experience of mental health problems said that their financial situation had made their mental health problems worse.
    • The survey also found that people with mental health problems found that, while unwell:
    • 93% spent more than usual
    • 92% found it harder to make financial decisions
    • 74% put off paying bills
    • 71% avoided dealing with creditors
    • 56% took out a loan that they would not otherwise have taken out.
People with mental health problems are also more likely to be in problem debt:
  • 18% of people with mental health problems are in problem debt. People experiencing mental health problems are three and a half times more likely to be in problem debt than people without mental health problems (5%).
  • 72% of respondents to Money and Mental Health’s survey said that their mental health problems had made their financial situation worse.
Problem debt may not typically always happen overnight caused by a drastic change in circumstances. In some cases, what may begin as a niggling doubt over meeting monthly payments can lead to sleepless nights. Unfortunately for some, an eventual spiral occurs as debts become no longer affordable. Problem debts develop, increasing the likeliness of developing a mental health issue as a result. Closer to home in Scotland, the Herald and more specifically regarding small business owners, the Glasgow-based newspaper recently reported that in a study of 1,200 companies done by the Federation of Small Businesses (FSB) in January 2021, it found that 40% of respondents are worried about their mental health.
  • 30% said repaying debt was weighing on their mind
  • 44% were worried about the financial sustainability of their family.
Small business owners worried about their finances and looking for self-employed debt help are also urged to contact Trust Deed Scotland on 0141 221 0999.

How we’re helping people with debt who are having sleepless nights

Every year, Trust Deed Scotland empower thousands of people in Scotland to deal with their finances and go on to enjoy life after debt. Having received over [reviews] five-star rated debt advice reviews, over 130 of our clients in their own words specifically mention being able to sleep again at night, after receiving help with their unaffordable debts from us. We’ve compiled a selection of our reviews below. In January 2021, J Smillie wrote: “Vicky was great from start to finish. I now have my life back and able to sleep at night again.”   Also reviewing Trust Deed Scotland in 2021, Edwin wrote: “From the first contact, I have been dealt with sympathetically and professionally. All options were explained thoroughly and questions answered. This has lifted a great weight off my shoulders which affected my work life as well as my personal life. Thank you Trust Deed Scotland, I can sleep at nights now.” Another 2021 Trust Deed Scotland client said: “For the last year, I have been suffering so much with stress and anxiety over my money worries. I couldn’t sleep, I was so down and crying at least once a day as I couldn’t see a way out the hole I got myself in. I got in touch with Vicky and I cannot praise this girl enough she was so understanding with my situation and got me finally on route to a debt free life. Thank you so much, Vicky, you are a credit to your company.” In 2020, Claire said: “I was recommended to Trust Deed Scotland by a work colleague as I was well over my head with debt, it was affecting my health mentally and physically. I plucked up the courage to seek advice, I spoke with Jacqui Richardson who made me feel so at ease, she didn’t judge me, she explained everything to me from start to finish, kept me updated every second day, it was the best decision I have ever made! No need to feel embarrassed, if you are looking for the best advice, please please give them a call, at least now I can sleep at night.” I would like to thank Jacqui for everything she has done for myself and my family, If there were more stars to be given, they would certainly deserve them.” K McDonald wrote of their Trust Deed Scotland experience in 2020: “Soreena has been amazing. Never judged me and has helped out so much. For the first time in many months, I’ve been able to have a full night sleep. I can’t thank her enough for all her help.” In 2019, Mr Smith said: “After two years of non-stop worry and no sleep, it was affecting everything I did 24 hours a day. Eventually plucked up the courage to do something about it. One phone call my mind was put at ease. I am now in the middle of a plan being put in place which means I’m going to be back in control. Thank you Trust Deed Scotland.” Katrina left a review in 2017 where she advised: “Danielle at Trust Deed Scotland was Superb, understanding informative clearly answered all questions in plain language keeping me up to date every step of the way. Thank you, I can manage to sleep at night.” Donna, a client that Trust Deed Scotland helped in 2016 said: “If you’re feeling stressed out & getting deeper into debt, struggling to repay your debt. I would 100% recommend Trust Deed Scotland. They are all so friendly and don’t make you feel like a bad person. My husband and I were just getting deeper into debt and didn’t see any solution to get out of it, it was just building up. We contacted Trust Deed Scotland and they made us feel at ease and totally stress free right away, I would recommend a trust deed to anyone struggling with their debt. We now have low monthly payments which are so much easier to afford and we will be debt free in 5 years. We can now sleep better at night and see a better future.”

How to get Scottish Debt Advice today

If you’re worried about your finances and would like to take control of your unaffordable debt, you can contact Trust Deed Scotland on 0141 221 0999, or use our online Trust Deed calculator  tool for more information. As a leading provider of formal Scottish debt solutions including Trust Deeds, and the Debt Arrangement Scheme, our experienced debt advice team are able to work with you and offer tailored debt advice that puts you at the heart of the decision-making process.

Trust Deed Scotland TV Advert

Posted on by Craig Stocks
As the country continues to cope with everything that’s going on at the moment, more people in Scotland are going to need help with their unaffordable debts. As reported previously, the demand for debt advice is set to increase in 2021 as many thousands of Scots recover from the impact of Covid-19 on their finances. Find out more about the latest Trust Deed Scotland TV campaign which is being broadcast across Scotland and is being fronted by our latest Trust Deed Scotland ambassador, Jennifer Reoch. The television campaign will raise awareness of both Protected Trust Deeds and the Debt Arrangement Scheme (DAS) across Scotland. Jennifer Reoch currently co-presents the Heart Scotland Drivetime Radio show with Des Clarke but Jennifer is also known for hosting shows across BBC Scotland and STV such as The Riverside Show, Live at Five, Scots In Paradise, Edinburgh Festival and the Scottish Children’s Lottery for STV. Jennifer has also appeared on This Morning on ITV. Having previously worked alongside Tamara Kennedy, it is important for Trust Deed Scotland to work with ambassadors who can help broadcast the availability of formal debt solutions in Scotland to as wide an audience as possible, and Jennifer Reoch fits this criterion perfectly.

Protected Trust Deeds

Who qualifies for a Trust Deed?
To qualify for a Trust Deed you must:
  • Have at least one debt
  • Have over £5,000 of debt
  • Be resident in Scotland
  • Have money left over after you’ve paid your living expenses
  • Have an income
Trust Deed Advantages
  • You can freeze your interest charges
  • Your payments are based on what you can reasonably afford
  • You can protect your assets such as your home and car
  • You’ll have no direct contact with your creditors
  • Once completed, your unaffordable debt will be written off and you will be debt-free
Trust Deed Disadvantages
  • Your credit rating will be affected
  • A Trust Deed may not be an option with certain job types
  • Creditors can vote against a Trust Deed becoming ‘Protected’

Debt Arrangement Scheme

Who qualifies for a DAS?
To qualify for the Debt Arrangement Scheme you must:
  • Have at least one unsecured debt.
  • Have spoken to a debt advisor, such as Trust Deed Scotland®.
  • Be resident in Scotland.
  • Be able to repay your debt(s) after you’ve paid your living expenses.
  • Not be in another form of debt repayment, such as a Trust Deed.
DAS Advantages
  • Payments based on what you can afford
  • Protected from legal action from creditors.
  • Your home will not be affected as long as you maintain your mortgage obligations.
  • Interest and charges are frozen once a Debt Arrangement Scheme is in place.
  • Apply for a six-month payment holiday should you find it difficult to repay.
DAS Disadvantages
  • Unlike Trust Deeds, a DAS lasts until the debt is cleared.
  • Your credit rating will be affected.
  • If you don’t keep up your payments the DPP could fail.

Alternative Scottish Debt Solutions

You can explore more options that may be available for you by calling Trust Deed Scotland on 0141 221 0999. The Minimal Asset Process (MAP) route to Sequestration is an alternative solution that can benefit people with a lower income, with few assets or full administration process Sequestration are two possible alternative Scottish Debt Solutions, depending on your own individual circumstances. If you would like to find out more, you can contact Trust Deed Scotland today for tailored debt advice, our experienced team can get an understanding of your situation and advise on the advantages and disadvantages of any solution that you may be eligible for.

Help With Unaffordable Debts In Scotland

Posted on by Craig Stocks
When looking for help with unaffordable debts in Scotland, and you have unsecured debts over £5,000 – You can find out more about Trust Deeds and whether one may be right for you. The Debt Arrangement Scheme is a solution for many people in Scotland also and is possible for those with debt levels below £5,000 and above £5,000 as well For those with the most severe financial difficulties in Scotland – the Minimal Asset Process is an option for those who are facing Sequestration but have either no income or a low income. In addition, they have little, or no assets. In order to make a decision on the right Scottish debt solution for you, we would always recommend talking to a qualified money advisor. You may not need help with unaffordable debts in Scotland when you have one or two individuals debts, and you haven’t missed any payments and it’s possible that the creditors can be contacted with a simple self-negotiated debt repayment plan. However, if you feel your debts have become unaffordable then these questions may help you drive your decision.
  • Are you being harassed by creditors?
  • Can you no longer afford to pay any more than the minimum payments?
  • Are you missing payments to priority bills in favour of your non-priority bills?
  • Have you exhausted all other realistic means of paying back your debts?
If you have answered yes to most of these questions, then it’s likely that you are going to need more formal help with your unaffordable debts. Call us on 0141 221 0999 or find out if you qualify for debt help.

Help with unaffordable debts in Scotland and inspirational stories

Some people may put off getting help with unaffordable debts in Scotland due to the stigma attached to having debt, and feelings of shame and embarrassment. In our debt advice reviews, we hear many positive comments from our clients, who speak warmly about the friendly, non-judgemental advice that they receive from our advisors. In August 2020, K McDonald wrote “Soreena has been amazing. Never judged me and have helped out so much. For the first time in many months, I’ve been able to have a full night’s sleep. I can’t thank her enough for all her help” Another client, Neil, who reviewed us and gave us a 5/5 rating and wrote “A very friendly, experienced company who helped myself out with financial difficulty. Trish was excellent, non-judgemental, and put my mind at ease all the way through the process. Highly recommend to anyone whos feeling the pressures of financial strain.” Briony wrote a review saying “Vicky was amazing! Such a weight off my shoulders, I have been worrying about my debts for a while and was taken through my options when I decided what would be the right decision for me I was helped through it all She was so understanding and polite amazing service.” Kristopher wrote a review saying “At a very difficult time they gave great advice and made a very hard embarrassing phone call easier and my advisor Matthew stayed in touch with me every day to keep me updated.” Holly, writing a review about our advisor Jacqueline commented “Lady that assisted me was very helpful and easy to talk to would highly recommend this company.” Whenever we speak to or clients, we encourage them to have a look through our reviews when they are seeking help with unaffordable debts in Scotland. Not only are we proud to say that we’re the No.1 rated company in the debt relief service category of Trustpilot but also it helps people to understand that they are not alone, not only in a sense that we’re here for them at the other end of a phone, but also that many other people were going through the exact same rollercoaster of emotions; stress, depression and anxiety and have since come out the other end saying things like they feel a weight from their shoulders, or that they can sleep at night. For a brighter future, trust us. If you do something about your debt today, you can stop worrying about it tomorrow. Call 0141 221 0999 to get started, or try our online debt repayment calculator tool, also known as the Trust Deed Wizard®.

3,000 Trustpilot Reviews Milestone

Posted on by Craig Stocks
As a company, we’ve always placed a great emphasis on our client feedback so this week has been a great week in terms of client feedback as we’ve reached 3,000 reviews on Trustpilot. Trust Deed Scotland® was founded in 2009 with a unique vision – to be the best rated debt advice company in Scotland with a philosophy of putting our clients best interests at heart and helping them to get their finances back on track. We’ve helped over [volume] people in Scotland with formal debt solutions and given qualified Scottish debt advice to many thousands more. We’ll never…
  • Cold call, or send unsolicited text messages
  • Charge for debt advice
  • Pass a clients details onto anyone else
Of our most recent debt advice reviews, one we received from Tim encapsulated our ethos in a perfect way. Tim recently wrote: “Life after a Trust Deed – I have now completed my Trust Deed with Trust Deed Scotland and I have to say it was the best thing I have done. I am now debt free and it was worth it, it’s a great feeling to be free of the debt I got into. Joe and his team made all this a pleasant and worry free process and I can not thank them enough, it takes time, but the team deal with it in a kind manner without judgment. To all you out there in the situation of unmanageable debt then a call to Trust Deed Scotland is the way to go, I can’t stress this any other way it will be the best thing you can do it will take a burden from your life, you will feel a lot better for it I can testify to that. I would like to thank all at Trust Deed Scotland for giving me the means to sort out the mess I got into. In closing if you have debt you can’t manage, give them a call they will help you no judgment no finger pointing just real help, do it now you won’t regret it. Joe and team, thank you from the bottom of my heart you made life after debt possible.”

What did our 3,000th reviewer say of their Trust Deed Scotland® Experience?

Our 3,000th reviewer Miss Smith, wrote about their Trust Deed Scotland® experience saying: “I contacted Trust Deed Scotland months ago but declined their calls because I was so embarrassed about the financial mess I found myself in. I wish this was the one call I answered because I just got deeper in debt. I reached out again and in less than a week I now have that light at the end of the tunnel. Vicky has been truly amazing so helpful and making sure I knew the options available to me as well as making sure I understand what each of the options meant. If like me you have found yourself in a financial downward spiral then please give Trust Deed Scotland a call.”

Trust Deed Scotland® TrustScore of 5/5

Of the 3,000 reviews received, 97% rated us 5/5 and a further 3% rated our service 4/5. Our overall TrustScore is 5/5. TrustScore is an overall measurement of reviewer satisfaction, based on all the Service and Location reviews a business receives on Trustpilot. A star rating is the TrustScore visualised. Learn about how TrustScore is calculated. Not only do we have a TrustScore of 5/5 but we’re rated no.1 out of 28 companies in the debt relief service category in Scotland. Furthermore, we’re 2nd out of 562 companies in the whole of the Money & Insurance category, beaten only by EweMove – an estate agency portal like Zoopla, Rightmove and s1homes.com.

What makes the perfect debt advisor?

At Trust Deed Scotland® we invest in our own training and compliance in order to constantly evolve and improve our internal processes. We make sure that any advisor that we employ has the right mix of expertise and personality. Our expert debt advice is: Non-Judgemental – We’re here to listen and advice. Not judge you. We can promise you that you’re not alone and that no-one, including you, found themselves with unaffordable debts through their own deliberate fault. There are many changes in personal circumstance that create the situation. Redundancy, divorce, illness and simply overcommitment. It happens, and we help you to move on. Confidential – We’ll always respect your privacy and will not divulge your situation with anyone else unless given explicit permission to do so by you. Safe & Secure – Our advice team are based in-house and if you choose to proceed with us or not, we’ll never share your details with any other company. We will never attempt to push you into a solution, you’ll always be the one that makes the decision in your own time, on your own terms. Balanced – We’re here to give you the risks and benefits of all solutions. Not just the bits we want you to know, or think you want to hear.  This helps you to understand what your options are and how they will impact your day-to-day life. You will be the one who makes the decision. Specialist – Not only are we authorised by our regulatory bodies to give debt advice, but we’re experienced at what we do and we’re committed to self-improvement. Unlike some companies out there giving debt advice with no knowledge of the inner workings of Scottish formal debt solution legislation, we really do know Scottish debt solutions inside out.

Get help with your debt today

You can contact Trust Deed Scotland® today for tailored, confidential debt advice on 01412210999. Alternatively, start the process online and find out what options you may be eligible for using our Trust Deed Wizard® tool.
4000 Trust Deed Scotland TrustPilot reviews milestone 5000 Trust Deed Scotland TrustPilot reviews milestone 6000 Trust Deed Scotland TrustPilot reviews milestone 7000 Trust Deed Scotland TrustPilot reviews milestone 8000 Trust Deed Scotland TrustPilot reviews milestone 9000 Trust Deed Scotland TrustPilot reviews milestone 10000 Trust Deed Scotland TrustPilot reviews milestone

Why do I need to speak to someone?

Posted on by Craig Stocks
Asking for help with your debt is a big step, one which Trust Deed Scotland® fully understands. Our goal is clear: to provide tailored debt help in Scotland and/or advice to people across the country, setting up debt solutions where applicable. We appreciate that talking openly about our debts isn’t easy but by starting the conversation surrounding it we can help break down barriers to support. However – while we do encourage advice by walk-in appointment, email, text message or WhatsApp, we tend to recommend that in the first instance; a telephone call is best for you. The advice will always be tailored to the individual and all benefits and risks need to be comprehensively explained. Most of the time, this is easier explained by telephone call. When you need help with debts, you should be able to make an informed decision based on balanced advice, that puts you in control of that decision-making process. That decision should be made in your time, at your own pace. We fully respect and encourage this at all times.

About our Trust Deed Scotland® advice team

We truly understand how difficult it can be to ask for help by telephone. You may fear that the people you are speaking to will be shocked, will disapprove or judge you. On top of that, there is a stigma surrounding debt and many people have feelings of shame and embarrassment. Debt doesn’t discriminate and neither do we. Debt is something that affects people from all walks of life and we believe that everyone should have access to confidential debt advice and work hard to make sure this is readily available. There are many reasons why people end up with unaffordable debt and despite what you may feel yourself, we can reassure you that it’s not your fault. No matter what’s happened in your past, what is more, important now, is what you do about it going forward. As we regularly say, if you do something about your debt today, you can stop worrying about it tomorrow. Our dedicated in-house advice team receive regular debt advice reviews where they are regularly described by our customers in their own words as being:
  • Friendly
  • Non-judgemental
  • Empathetic
  • Experienced
In order to proceed with your enquiry, we typically need to have an initial phone call with you which would last 30 minutes on average. Thereafter, any communication can be done via email, in-person, SMS or via our Trust Deed Scotland WhatsApp service. Once we’ve had that conversation with you, at the very least you’ll have a better understanding of what a brighter future could look like. We understand that anxiety may be a factor in why you find it difficult to talk about your debt by telephone.  As an alternative solution, we can offer a face-to-face meeting at our Glasgow office (lockdown measures dependent) if this is an option for you. We also suggest that you can arrange for a friend or relative to join you on the call for emotional support. Our Trustpilot reviews are a good place to read about how we’ve helped many other people in the same position as you. In their own words, our existing customers often say that our advisers are friendly and non-judgemental. If you prefer, you can call us on 0141 221 0999 anytime you feel able to.

Anxiety help resources

You can get more help with anxiety by using the Anxiety self-help guide provided by NHS Inform. Anxiety UK is a UK charity and their helpline is 03444 775 774. SAMH are a Scottish mental health charity that can help with anxiety issues, and a downloadable anxiety and panic attack guide is available on their website. You may find our own Signposted Support services to be useful too as we provide information on where to get help from Mental Health issues to Gambling and Alcohol & Substance Addictions.

Your details are safe with us

Another reason why you may be reluctant to speak to someone about your debts is the fear of how your information will be handled. A perceived fear of dealing with pushy salespeople, being harassed or receiving endless phone calls, emails or text messages. Practices that were perhaps more common in the debt advice industry before stricter regulation and GDPR laws were introduced. Claims that you can write off your debt or reduce the amount you pay each month may all seem too good to be true. Or, more bluntly make you wonder what the catch is. Some companies had previously advertised on Google and social media offering free debt advice or claiming that you’ll “become debt free” after completing a 30-second quiz. This in itself creates uncertainty and mistrust. Added to this, most of these companies may have been acting as a lead generator, or unqualified ‘introducer’ and existed solely to pass you onto someone else for a fee. We’re an approved organisation. Our advisors are highly experienced and they will always have our clients best interests at heart. However, behind our dedicated advice team sits a continued commitment to ongoing compliance and training. Over [volume] helped since 2009. We’re the No,1 rated on Trustpilot with thousands of five star reviews. We’ve helped over [volume] people in Scotland enjoy a brighter future, with over a decade of experience. Employee owned, In-house team. Your details are 100% safe and secure with Trust Deed Scotland® and you will never be passed onto any other company. If you qualify for a solution, then you will remain a client of ours which helps to ensure continuity. No pushy sales calls. Upon receiving an enquiry for help, Trust Deed Scotland® will make a reasonable attempt to contact you to find out more about how we can help you. Should you change your mind, or find another way of managing your debts then we will respect your request and ensure that your request is upheld.

Help with debt in Scotland today

You can find out more about Trust Deed Scotland® and give us a call on 0141 221 0999. Not only do we offer the Protected Trust Deed as a solution, but other alternative Scottish Debt Solutions including the Debt Arrangement Scheme.

Trust Deed Scotland x Twitter

Posted on by Craig Stocks
Keep up to date with the latest news and advice by following our official Trust Deed Scotland Twitter account now known as x. For many people with unaffordable debts – Watching one of our TV awareness campaigns, or listening to one of our radio ads is the first step in the process of making their debt repayment more affordable and looking forward to a brighter future. More and more people are finding out about Trust Deeds and the Debt Arrangement Scheme through social media and word of mouth recommendations on platforms such as Twitter. Find out more about us and contact Trust Deed Scotland with any questions, concerns, or ideas. You can also reach Trust Deed Scotland on 0141 221 0999.
Official Trust Deed Scotland® social media feeds?
Trust Deed Scotland Instagram feed. Follow. Trust Deed Scotland Facebook feed. Follow. Trust Deed Scotland X feed. Follow. Trust Deed Scotland TikTok feed. Follow.  

Trust Deed Scotland Twitter – Our Other Media Channels

As heard on Radio Clyde, Real Radio and as seen on commercial TV channels throughout Scotland, we’ve been at the forefront of Trust Deed and Debt Advice awareness campaigning since 2009. We have become the recognised choice in Scotland for debt solutions having given a route to financial freedom to over [volume] people. Why not join us and let us hear your voice using any one of these tags #trustdeedscotland #debthelpstories Our main Trust Deed Scotland social media accounts: Facebook. TikTok. Instagram. Twitter / X. Trustpilot. Google. Messenger. Blog.

Trust Deed Scotland Facebook

Posted on by Craig Stocks
Keep up to date with the latest news and advice by following our official Trust Deed Scotland Facebook account. For many people with unaffordable debts – Watching one of our TV awareness campaigns, or listening to one of our radio ads is the first step in the process of making their debt repayment more affordable and looking forward to a brighter future. More and more people are finding out about Trust Deeds and the Debt Arrangement Scheme through social media and word of mouth recommendation on platforms such as Facebook. Find out more about us and contact us with any questions, concerns, or ideas. You can also reach Trust Deed Scotland on 0141 221 0999.
Official Trust Deed Scotland® social media feeds?
Trust Deed Scotland Instagram feed. Follow. Trust Deed Scotland Facebook feed. Follow. Trust Deed Scotland X feed. Follow. Trust Deed Scotland TikTok feed. Follow.  

Trust Deed Scotland Facebook – Our Other Media Channels

As heard on Radio Clyde, Real Radio and as seen on commercial TV channels throughout Scotland, we’ve been at the forefront of Trust Deed and Debt Advice awareness campaigning since 2009. We have become the recognised choice in Scotland for debt solutions having given a route to financial freedom to over [volume] people. Why not join us and let us hear your voice using any one of these tags #trustdeedscotland #debthelpstories Our main Trust Deed Scotland media accounts: Facebook. Instagram. Twitter / X. TikTok. Trustpilot. Google. Messenger. Blog.

Trust Deed Scotland Instagram

Posted on by Craig Stocks
Keep up to date with the latest news and advice by following our official Trust Deed Scotland Instagram account. For many people with unaffordable debts – Watching one of our TV awareness campaigns, or listening to one of our radio ads is the first step in the process of making their debt repayment more affordable and looking forward to a brighter future. More and more people are finding out about Trust Deeds and the Debt Arrangement Scheme through social media and word of mouth recommendation on platforms such as Instagram. Find out more about us and contact us with any questions, concerns, or ideas. You can also reach Trust Deed Scotland on 0141 221 0999. We are authorised and regulated by a UK regulatory body.
Official Trust Deed Scotland® social media feeds?
If you’re looking to follow us on on social media, you can find us on any of the follow profiles: Trust Deed Scotland Instagram feed. Follow. Trust Deed Scotland Facebook feed. Follow. Trust Deed Scotland X feed. Follow. Trust Deed Scotland TikTok feed. Follow.  

Trust Deed Scotland Instagram – Our Other Media Channels

As heard on Radio Clyde, Real Radio and as seen on commercial TV channels throughout Scotland, we’ve been at the forefront of Trust Deed and Debt Advice awareness campaigning since 2009. We have become the recognised choice in Scotland for debt solutions having given a route to financial freedom to over [volume] people. Why not join us and let us hear your voice using any one of these tags #trustdeedscotland #debthelpstories Our main Trust Deed Scotland social media accounts: Facebook. Instagram. Twitter / X. TikTok. Trustpilot. Google. Messenger. Blog.

What Is Life After Debt?

Posted on by Craig Stocks
Trust Deed Scotland® has been giving debt advice in Scotland since 2009 and helped over [volume] people with formal Scottish debt solutions known as Trust Deeds and DAS with over [reviews] customer reviews on Trustpilot. We talk about Life After Debt quite often but what is Life After Debt? Life After Debt is the light at the end of the tunnel for those with unaffordable debts, it’s like a roadmap that gives them clarity on how long it will take them to get out of debt and how much money that they will be able to save on their debt payments every month until they’ve cleared the debt. This results in a new, reduced and affordable monthly repayment. For Trust Deeds, this may last a typical duration of 48 months (sometimes extended) and after that, any unsecured debts left over are written off.

How and why do people find themselves with unaffordable debts?

Some of the common reasons that people in Scotland end up with debt that they can’t afford to repay are broken down into the following categories.
  • Relationship Breakdown – Coping with debt after a split
  • Reduced Income – Less income, same debt
  • Birth of a Baby – Down to single income
  • Unexpected Illness or Injury– Unexpected loss of income
  • Business Failure – Leftover liabilities including tax
  • Overcommitment of Credit – Taken on too much debt
  • Additional Financial Support – Providing support to others leaving you short
When you’ve had debt for such a long time, it may start to feel like it’s a part of you and there’s nothing you can do about it. You may feel like this is the life that you’ve created for yourself and it won’t get any better. In the most severe cases, people may have been harbouring debt for as long as we’ve been helping people out of debt. Money worries and the burden of living with unaffordable debt can cause a wide range of mental health problems from stress, anxiety and depression. You may feel ashamed, or embarrassed about having debt because wealth is considered a goal in life, and therefore having debt may make you feel like a failure. The taboo and stigma attached to having debt increase the likelihood that you’ll attempt to deal with the issues yourself and struggle on alone. But you don’t need to feel like this, you are not alone and Trust Deed Scotland® are here to help you. If you do something about your debt today, you don’t need to worry about it tomorrow.  When we talk about what Life After Debt really means, it’s the realisation that you’ve been able to reduce your monthly debt repayments and that there is light at the end of the tunnel as our clients often tell us in their own words. Our debt advice reviews on our Trust Deed Scotland Trustpilot page are an inspirational place to find out what Life After Debt really looks like for our clients from the moment they find the courage to seek help over their unaffordable debts “My advisor was friendly and non-judgemental.” “Finally got in touch, and everything was in place within a week.” “I wish I’d done it earlier.” “I can sleep at night, now my debts are under control.” “From the very start, my mind was put at ease.” Not only do our reviews highlight how people feel after they approach us, but we think that they help us to illustrate that you are not alone if you’re feeling ashamed or embarrassed about debt and that this may help encourage you to seek expert advice.

What does Life After Debt really look like?

Life After Debt will ultimately mean different things, for different people. However, here are some of the advantages that being debt free can bring to you. ➊ You Get to Relax You don’t have to feel anxious about opening letters or answering your phone. ➋ You Get to Keep More of Your Money You can save for holidays & other items that you never thought you could afford. ➌ What’s Yours is Yours When you live debt free, your things are really yours. ➍ You’re Independent You can live an autonomous lifestyle – a life that reflects what’s really important to you. ➎ You’re Happier When we imagine Life After Debt, it always seems happier & carefree, and there’s a reason why, because it’s true. ➏ You Get to Say: I’m Debt Free You set a goal & accomplished it and you get to be proud of that.

Where to get Debt Advice in Scotland

As the No.1 rated debt advice company in Scotland, we’re in a position to help you with your debts and advise you on the pros and cons of Trust Deeds, the advantages and disadvantages of the Debt Arrangement Scheme and the benefits and risks of Minimal Asset Process or other alternative debt solutions available in Scotland. Get started today by giving us a call on 0141 221 0999, or by trying our Trust Deed Wizard® tool. If you’re looking for more inspiration on what Life After Debt looks like follow the official Trust Deed Scotland® on our social channels: Twitter, TikTok, Facebook & Instagram or send us a message on Messenger Look for #LifeAfterDebt.