In some cases a Trust Deed is not the right debt solution for you. For free advice about your debts, please call our Debts Management team on FREEPHONE 0800 0481 777.

• The arrangement is binding between you and your creditors.
• If you fail to keep to the required repayments, your creditors may petition for your Sequestration (bankruptcy).
• It will affect your credit rating for a period of six years.
• Creditors must agree to the Trust Deed proposal.
• Homeowners may have to remortgage and pay this money to their creditors.

Terms & Conditions Apply. A Protected Trust Deed (PTD) is for unsecured debts and residents of Scotland only. It should only be considered in extreme circumstances as failure to adhere could result in Sequestration (The Scottish legal term for Bankruptcy). Debt write off applies only to where the PTD is agreed by your creditors and you have completed the, typically, 36 month term. Once your PTD commences, your monthly contribution is fixed and there are no additional fees on top. The fees, paid by your creditors, are taken out of your monthly contributions to your PTD and will be notified to you in advance. Some homeowners may be required to remortgage.