Many Trust Deed Scotland® customers who come to us looking for debt advice; often asking for more information on whether they can write off their debts. Can You Write Off Debt without entering into a debt solution? In some rare cases, you may find that creditors (the people you owe money to) may be willing to write off some or all of your debt if you can prove that is unaffordable for you and if you also have a terminal illness and your life expectancy is limited for example. Alternatively, it’s a genuine possibility to write off debt after completing select debt solutions. In this article, we ..read more

For Sheriff Officers Advice, contact Trust Deed Scotland at 01412210999. How to Stop Sheriff Officers in Scotland Sheriff Officers typically work on behalf of government bodies, most commonly they are used to collect council tax arrears debt and also on behalf of individual creditors. They are often confused with the rest of the UK equivalent, bailiffs. Creditors (the people you owe money to) use threats of Sheriff Officers and bailiffs to frighten individuals into repaying debts, most often through further unaffordable borrowing. The terrifying idea of someone taking all your worldly goods is ..read more

New polling figures show that 84% of people in debt attribute the rising cost of living, including groceries and utility bills, to the reason for their debt problems. Using this figure, CAS estimates that this equates to 657,323 people in Scotland who are now driven into debt due to the cost of living crisis.   Cutting Back on Essentials Are you struggling to cope with rising costs? With the high cost of everyday essentials, we are feeling the detrimental effects across the country. Many people are cutting back on essentials such as heating and food to cope with these rising costs. I ..read more

Starting on the 18th March, Debt Awareness Week is just around the corner. Organised by StepChange, this week aims to increase awareness of debt and the available solutions for people who are in need of debt advice. This year is the 10th anniversary of Debt Awareness Week, with 2024 to focus on understanding the main barriers that people face when seeking debt advice in Scotland. There remains a stigma surrounding debt; we want people to understand that they are not alone in their financial worries and that there is help available. Problem debt can happen to anyone; by increasing debt awarenes ..read more

Around 300,000 families with children are living in poverty in the UK, despite all parents being in full-time work. Recently published statistics by Action for Children demonstrate the extent to which families across the UK are struggling to make ends meet. This highlights that, although being employed in full-time work, there are still a high number of people struggling with family finances.   Family Debt Statistics The research from Action for Children found that: The average low income family with all parents in full time work would need an extra £168 a week – equating to working an a ..read more

25 January marks Burns Night, when in Scotland we celebrate the life and work of Robert Burns, usually with Haggis, Neaps and Tatties and with a dram of Whisky. But beyond the Selkirk Grace, there’s a sadder side to the life of one of Scotland’s most famous sons that we don’t hear much about. Problem debt can happen to anyone. Rabbie Burns died owing debt. His income was £100 per year. His overall indebtedness was £110 per year. He had amassed unaffordable debts in a bid to promote his work and then tragically fell ill meaning that he couldn’t work on his farm and was unable to pay off his cre ..read more

Trust Deed Scotland® have more 5 Star TrustPilot reviews than all other Trust Deed providers combined. As a leading Scottish debt solutions provider, we’ve always been proud of our customer feedback, therefore this has been an important week for us as we’ve reached an important milestone of 8,000 Trustpilot reviews. Life can take our customers on many journeys and we would like to say thank you to our customers for letting us be part of theirs. Trust Deed Scotland® was founded in 2009 with the goal of becoming the best rated debt solutions company in Scotland, with a philosophy of putting our ..read more

Seasonal Affective Disorder (SAD) is a type of depression that appears seasonally. The episodes of depression tend to occur at the same time each year, usually during the winter. Symptoms can begin to appear in Autumn and usually disappear by the Spring.   Symptoms The symptoms of SAD are similar and should be treated the same as other types of depression. The most common symptoms are:- Low mood Loss of pleasure and interest in normal activities Feeling irritable Feelings of despair Feelings of guilt and worthlessness Low self-esteem Tearfulness Feeling stressed or anxious Reduced sex dr ..read more

It’s Black Friday next week which will be quickly followed up by Cyber Monday. Our email inboxes are already filling up with offers from all types of offers, from electronics to apparel and fashion brands. Most retail websites we visit are offering generous voucher codes. We can’t browse social media without finding clickbaitesque deals, we can’t read a newspaper or watch TV, or even listen to the radio without being offered even more discounts. It’s easy to get caught up in the shopping frenzy of Black Friday and end up spending more than we should. However, you should avoid spending money th ..read more

6-10 November 2023 marks a week known as Talk Money Week in the UK. It’s an annual event run by Money and Pensions Service and it usually falls on the second week of November of any year. It’s a time for debt charities and companies such as Trust Deed Scotland® to come together and encourage people to open up about their money and debt worries. Talk Money Week’s focus for 2023 is to encourage people to Do One Thing that could help improve their financial wellbeing, and encourage others to do the same thing. Their suggestions are to talk to a child about pocket money, use one of the free tools ..read more