Hi Emily,
I'm looking out of my window at a snow blizzard right now. How can you say you don't miss it? Maybe I'm just a big kid but I love the snow.

Anyway, how long ago did you move to Spain exactly?

The reason I ask is that you should still be able to propose a trust deed as long as you have lived in Scotland at some time in the last 12 months.

- and the way the pound is faring at the moment, your euro might go a long way, which is a bonus!

Hey!!

Been in Spain for just over a year now. Does that mean I cannot do a trust deed?

I'm afraid so. If you do move back then there is nothing to stop you organising a trust deed at that point. You may want to contact your creditors and try and get further interest/charges frozen in the meantime so that the debts don't stack up any further - usually they will agree to this if you can agree even just a small monthly payment with them.

We have a little flat back home still which we use for a couple of months each year to see family. Wierd that I cannot do a trust deed even though I live in Scotland for part of the year.

Ah well in that case you're in luck! This means that you have been resident in Scotland at some point during the last 12 months so would be able to sign a trust deed after all. As I understand it, as long as you have spent even just one day living in Scotland in the last year then you would qualify.

It might be stretching the point a bit far to say that anybody who comes up for Hogmanay say and stays a couple of nights of revelry would be able to do a trust deed - though it would be fun finding out!