FAQs

Do you charge for your services?

We are offering a free debt advice service.  We will not charge you a fee for any debt advice work we undertake.   If you enter into a Trust Deed or Bankruptcy we may receive a payment for work we do from an Insolvency Practitioner.  Whilst we do not charge fees if you enter into a Trust Deed or Bankruptcy, your Trustee will deduct their fee from your monthly payments

Can you make the debts go away?

No. If you have incurred the debt you are legally obliged to pay it. There may be situations where the debt can be reduced or a compromise agreed. If there is a dispute or doubt over a debt we would look at the circumstances and negotiate accordingly.

Do you act on behalf of the Bank / Building Society / Lender/ Insolvency Practitioner?

No. If you have contacted us regarding your situation be assured we act on your behalf

Are your services confidential?

Completely. We do not discuss our involvement with anyone other than your creditors.

Is there anything I can do to help you resolve the problems I / We have?

Yes. Tell us the truth at all times, no matter how bad it may sound. There is nothing to be embarrassed about and the smallest detail could be the most important. If we do not have correct information then we cannot provide the service you require. We will not knowingly supply incorrect or inaccurate information to creditors.

Can my creditors take my house?

Under new legislation in Scotland this can happen. It is important that you deal with your debt problems sooner rather than later.

I have been told by another company that they can write off up to 90% of my debts “guaranteed”, is the true?

No. Only your creditors can write your debts off. We can make a reduced offer in full and final settlement, provided you have the money. A reduced overall payment under a Trust Deed or Bankruptcy may be possible but this is dependent on your situation.

Where is your office and what areas of Scotland do you cover?

We are based in Edinburgh, our local advisors cover the whole of central Scotland including, Lanarkshire, Strathclyde, Glasgow, Renfrewshire, West Lothian, Mid Lothian, Fife, Stirlingshire, Edinburgh, East Kilrbide, and Lanark.

In your personal debt solutions you mention debt consolidation loans are you a loan company?

No, we are not a loan company, but we are often asked about debt consolidation loans.  We discuss them with clients to ensure all the options available to them are considered.

We will be regularly updating our blog where we will answer questions we are asked.