Can anyone help please?

Welcome to the forum Chelsea202.

I'm sorry to hear that your dad finds himself in this worrying position.

The key point here is that he should obtain professional debt advice ASAP. There are things that can be done to protect his position but that will need to happen quickly.

A trust deed is one of the debt solutions that might suit his needs (and this debt would be included) but there are other solutions which could turn out to be a better fit depending upon a number of factors.

The debt solution is really the second stage of an action plan here though. The first is to get advice and protect his position now so he has time to consider a longer-term plan to deal with this and any other debts that he might have.

Can you help out with this?

We can Chelsea202 and we'd be very pleased to help him.

Your dad could also contact a local advice agency based near him if he'd prefer that.

I think he would be happy to use yourself, is it all done over phone or email?

It's usually much easier and much faster by telephone Chelsea202.

We're open to communicating by email, but I wouldn't really recommend it unless there's a good reason to avoid speaking on the phone.

Phone is perfect, he is working today but can call you tomorrow? Would you recommend him phoning the place that was dealing with the problem and seeing if they’ll accept a payment plan? I think it’s Mitchell Roberton in Glasgow.

Hi Chelsea202,

We're available tomorrow.

I think the first stage is to quickly get debt advice.

The outcome of that debt advice might be to contact the firm concerned about a payment plan, or it might be something really quite different.

What’s the best number for him to contact and will he just ask for yourself?

Hi Chelsea202,

It's either 0800 0437201 or 0141 2490416.

Any member of our advice team will be able to assist him and we all keep an eye on the forum.

Apologies for the delay in responding.

Once the charge of payment has expired, it allows creditors the opportunity to consider action for recovery. The good news is that there are solutions available and we will be able to help.