About Scottish Trust Deed

Scottish Trust Deed is a website offering debt help in Scotland for those who are struggling with their unaffordable debt repayments.

Established in 2009, the aim of  Scottish Trust Deed was to help individuals who were in a black hole with their debts by negotiating with their creditors and bring them back to financial stability. It was originally owned by Simple Financial Solutions Limited before it was acquired by Paloma Digital Limited in 2015. Harper McDermott, the leading Trust Deed provider in Scotland acquired the Scottish Trust Deed brand in late 2023.

Scottishtrustdeed.co.uk is now a trading style of Harper McDermott Ltd who are authorised and regulated by the Financial Conduct Authority (820851) and offer multiple types of debt solutions, advice and assistance.

Scottishtrustdeed.co.uk prides itself on its customer service which shows in our TrustPilot reviews, and not only offers advice on the most common debt solutions but can also help with more specific advice such as council tax debts, mortgage arrears, and how to deal with debt collectors and bailiffs through its knowledge hub.

Expperienced Debt Advice

Scottishtrustdeed.co.uk provide help and advice to people on the most common debt solutions such as;

• Scottish Trust Deeds
• Debt Arrangement Schemes
• Minimal Asset Process
• Bankruptcy (Sequestration)

But we can also provide advice on informal debt solutions such as Debt Management Plans.

The most common debt solution is a Scottish Trust Deed and to qualify for one of these you must meet the following criteria;

• Owe at least £5,000 in unsecured debts
  (this can be made up of store cards, credit cards, unsecured loans, catalogue debts, council tax debts or benefit over-payments. We cannot service secured debts such as secured loans or hire purchase agreements. If you have a mix of secured and unsecured debt, you can still apply, you would need to be able to continue paying your secured debts as arranged)
• Owe money to at least 2 creditors
• Be able to make a monthly contribution of at least £100 per month towards your debt
• You must live in Scotland as a resident for at least the last 6 months

If you don’t meet one of these criteria you will fall into the category for either a Debt Arrangement Scheme, Minimal Asset Process, or as a last resort, Bankruptcy (also known as Sequestration in Scotland).

A Helping Hand

Scottishtrustdeed.co.uk understands that people experience financial difficulty at some point in their lives. Scottishtrustdeed.co.uk promises to keep things fair and straightforward when dealing with our customers, including any financial problems they encounter.

You don’t just have to turn to us for help, there are other free governmental organisations you can speak to;

Financial Tips & Advice

Scottishtrustdeed.co.uk is committed to better money management and that’s why we have created a financial resource centre for today’s consumers. Our articles include money management tips and advice – to demonstrate to everyone that you don’t have to alter your lifestyle to manage your money better.

Scottishtrustdeed.co.uk’s resources include guides on how to stop Sheriff Officers and debt collectors, how to and ‘what if’ articles along with downloadedable template letters which you can use to negotiate with your creditors yourself.

Lastly, readers can learn where to get financial support where they really need it, and our latest tips to get out of debt for good.

Consumer Protection

Scottishtrustdeed.co.uk is authorised and regulated by the Financial Conduct Authority (FCA), adhering to the code of conduct for debt adjusting and debt counselling.

Scottishtrustdeed.co.uk has also registered with the Information Commissioners Office (Registration ZA221070) and complies with the Data Protection Act 1998 and the Privacy and Electronic Communications Regulations of 2003.

Scottishtrustdeed.co.uk will never force you into a debt solution which isn’t right for you. We won’t offer you a consolidation loan or any type of lending, we’re here to help you get out of debt not to get you further into it!

Need More Information?

Scottishtrustdeed.co.uk has a dedicated FAQ page that answers the most common questions people have. However, if you need to ask us about something else, you can contact us below:

Phone: 0141 456 0430

Opening Hours

• Monday to Thursday 8am to 8pm
• Friday 8am to 5pm

Company Details

• Harper McDermott ltd t/a Scottishtrustdeed.co.uk
• Company No: SC538101
• Information Commissioners Office (Registration ZA212015)