About Scottish Trust Deed

May not be suitable in all circumstances. Fees apply. Your credit rating may be affected.

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

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 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.

 
 
 
 
  
 
 
 Trust Deed Scotland
  
 535 Google reviews 
  
 
 
 
 
 
 
 
 
  
 
 
 
  
 
 
 John Paul Doherty 
 
 
 
  
I spoke with Barry from start to finish the process was quick and easy and could almost be done in a couple days save for a couple errors on my side. Very non judgemental and understanding of my circumstances. The help the provided is very appreciated, thanks
  
 
  
 
 
 
  
 
 
 david severn 
 
 
 
  
I used trust deed Scotland as I was struggling with my debt and didn't know what I could do. I spoke with Barry and he was very friendly and helpful threw the whole prosses and made me feel more at ease knowing there was something I could do that was still affordable for me as well.
  
 
  
 
 
 
  
 
 
 Steven Mcewan 
 
 
 
  
Barry was so helpful from start to finish, would highly recommend him to anyone thinking of using this service
  
 
  
 
 
 
  
 
 
 Kegan Stewart 
 
 
 
  
Highly recommend Trust Deed Scotland, Barry contacted me after enquiring about it.

Barry worked his magic & has saved me so much stress!

highly recommend barry & trust deed scotland
  
 
  
 
 
 
  
 
 
 Claire McBean 
 
 
 
  
As I was drowning financially & done my research I decided the best solution was to go into a Trust Deed. My Advisor, Gemma was amazing & a great support at a difficult time while going through my debt resolving options thoroughly. Gemma was so helpful from start to finish, keeping me in the loop at all times. I feel like a weight has been lifted & I can sleep at night. Thank you so much again Gemma.
  
 
  
 
 
 
  
 
 
 Steven Jones 
 
 
 
  
After having a tough start to the year debt worry was taking over. I made the step to contact trustdeed Scotland and it’s been the best thing I’ve done. The customer service it outstanding and the support I was giving threw out made everything easier. I highly recommend to anyone thinking of making the move to contact trust deed Scotland.
  
 
  
 
 
 
  
 
 
 Linda Gillie 
 
 
 
  
Fantastic process start to finish! Jason was so helpful and informative! Can’t recommend them highly enough!
  
 
  
 
 
 
  
 
 
 Samantha swgxnycxx56. irk 
 
 
 
  
From the 1st my phone call with Jason applyard was when I knew I was going to take control of my debt in the right way. He made me feel as ease within the first 10 minutes of the phone call. He explained everything straight forward and keep me informed each step of the way!  I feel like I've a weight lifted off my shoulders knowing I'm going to have 1 payment going out a month, instead of countless payments. I'd definitely recommend trust deed scotland to help you clear of your debt once and for all. The 1st phone you'll see it was the right decision. Thanks so much Jason
  
 
  
 
 
 
  
 
 
 Samantha 
 
 
 
  
Trust Deed Scotland have been a great company to deal with. Really clear and helpful to make the right choice. Sharon who dealt with me throughout the process was very helpful and friendly and made me feel at ease at quite a stressful time. I now feel like a huge weight has been lifted and would highly recommend them to anyone considering a Trustdeed.
  
 
  
 
 
 
  
 
 
 conner nathan lord 
 
 
 
  
They offered you multiple choices on what suits you best, went through everything step by step, they help you understand everything you struggle with and are determined to find the right solution for you, I work nights so they was able to call around my work and sleep pattern so was really helpful the lady val that dealt with my case understood my circumstances well and was really helpful to me
  
 
  
 
 
 
  
 
 
 

Experienced Debt Advisers

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 organisations you can speak to that offer free debt & money advice;

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 downloadable 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.

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 9am to 8pm
• Friday 9am to 5pm

Company Details

• Harper McDermott ltd t/a Scottish Trust Deed
• Company No: SC538101
• Information Commissioners Office (Registration ZA212015)
• Other trading names include: Trust Deed Scotland, DAS Scotland and Scottish Debt Expert