Write off up to 81% of your debt

  • Using Government Legislation
  • Stop All Interest & Charges
  • Reduce Monthly Payments to as Little as £85 per Month
  • Consolidate Debts Over £2,000
Check if you qualify
Safe, secure & confidential

We're here for you.

We work with some of Scotland’s leading debt partners, and can offer you a range of debt solutions to help you write off unsecured debt.

1

Get started

Answer a few quick questions to check if you qualify to write off debt

2

Speak to an expert

Chat to a debt expert for your personalised plan

3

Relax

Leave the rest to us and get back to enjoying life without money worries

Check if you qualify

Debt Calculator

Find out what your monthly repayments could be under each of our different debt solutions.

Your total debt:

£10,000

Lifestyle benefits of a debt solution

  • No more borrowing from friends and family
  • Stop the stress of bills you can’t pay
  • No hefty charges for being overdrawn
  • Get rid of those Payday loans
  • No running out of money so soon after pay day
  • Enjoy living life again
Check if you qualify

What our customers are saying.

We've helped thousands of people, just like you, find a solution suited to their needs

Trustpilot

How does a Trust Deed work?

We can help write off unaffordable debt through a Trust Deed, an agreement between you and your unsecured creditors which allows you to repay only what you can reasonably afford over a fixed period of time.

  • With a Trust Deed you make a single, affordable monthly payment to your debts, which is then divided between your unsecured creditors.
  • These payments are usually made for five years, and during that time all interest and fees are frozen.
  • At the end of a Trust Deed, any remaining debt is written off.
sda-cog-people
Check if you qualify

What is a Debt Arrangement Scheme (DAS)?

The Debt Arrangement Scheme (DAS) is a scheme set up by the Scottish Government to give people the time they need to repay their debts at a manageable rate, without being pressured by the creditors they owe money to.

CHECK IF YOU QUALIFY

Trust Deed or DAS?

Trust Deed

  • Turns all your debts into a single monthly payment
  • Freezes interest and charges on what you owe
  • Offers legal protection from creditors
  • Usually lasts no more than four years
  • Allows you to write off up to 81% of your debt
Check if you qualify

Debt Arrangement Scheme (DAS)

  • Turns all your debts into a single monthly payment
  • Freezes interest and charges on what you owe
  • Offers legal protection from creditors
  • Lasts as long as it takes you to repay your debt
  • Requires you to repay your debt in full
Check if you qualify

How it works…here’s an example!

See how a Trust Deed could help you with this simple example to consolidate all unsecured debts into one smaller monthly payment and write off unaffordable debt.

Example of unsecured debts.

Bank Loans

£11,152

Short Term Loans

£2,226

Phone Bills

£302

Credit Cards

£2,395

Store Cards

£648

Payday Loan

£1,408

Overdraft

£172

Total amount owed:

£18,303

Customer monthly repayments

Reduced by 80%

Monthly payments are based on individual financial circumstances

Check if you qualify
“I thought that my finances were in a good place, that was until I lost my job. At first things seemed OK, I got by on savings but that changed when I started using my credit card to buy things like milk and bread. I’m so glad I asked for help and I know when I’m buying the essentials, I’m not getting into more debt.”
Keith
Dundee

Reduced by 60%

“I’ve always been pretty on top of my money but with everything becoming more expensive I've started to struggle over the last year. Admitting I needed help wasn't easy but there was zero judgment from my advisor who was really friendly and understanding. I’d recommend anyone with debt problems to do the same.”
Maeve
Ayrshire

Reduced by 57%

“As a mum you never want to see your kids miss out but it got to the point where my two boys were all because of my debt. When I couldn’t afford for them to take a present to pal’s birthday party I knew it had gone too far. Now I’ve found help, I'm much happier knowing they aren’t suffering because of me.”
Anna
Glasgow

Reduced by 47%

Write off most types of debt, including…

Credit Cards
Payday Loans
Personal Loans
Business Debt
Store Cards
Overdrafts
Lines of Credit
Catalogues

Credit Cards

Payday Loans

Personal Loans

Business Debt

Store Cards

Overdrafts

Lines of Credit

Catalogues

Check if you qualify

To find out more about managing your money and getting free advice, visit Money Helper, independent service set up to help people manage their money.