Other Sources Of Help
The Money Advice Service
The Money Advice Service can connect you with free sources of debt counselling, debt adjusting, and credit information services.
Tel: 0800 138 7777
Citizens Advice Scotland
You can access local debt and money help via Citizens Advice Scotland.
Tel: 0800 028 1456
The Accountant in Bankruptcy
The Accountant in Bankruptcy oversees formal debt solutions in Scotland. It does not directly provide debt advice services.
Its role includes maintaining the public registers of:
The AIB may be able to help if you need information or records related to debt solutions completed in the past.
Tel: 0300 200 2600
Insolvency Practitioner Complaints
You should initially inform your trustee if you have a complaint about their services.
If this complaint isn’t resolved to your satisfaction you can then escalate it to your trustee’s professional regulatory body. Complaints can be submitted via the Insolvency Practitioner Complaints Gateway.
Debt Advice & Debt Management Complaints
Debt advisers and debt management plan providers must be authorised and regulated by the Financial Conduct Authority.
If you have a complaint about an FCA regulated debt adviser or debt management plan provider you should initially notify the firm itself.
If this complaint isn’t resolved to your satisfaction you can then escalate it to the Financial Ombudsman Service.
Tel: 0300 123 9123
Free Credit Reports
There are three main credit reference agencies in the UK. The content of the reports that they each provide may be different.
You don’t need to pay to access your credit reports. Free reports from each of the three main credit reference agencies are available at:
• Experian (via MoneySavingExpert.com)
• Equifax (via ClearScore)
• TransUnion (via Credit Karma)
Repair Credit Rating After A Debt Solution
Many people want to improve their credit score after completing a debt solution.
Our guide to trust deeds and your credit rating may assist you with this process.
You can also ask credit file questions and get expert answers in our online debt forum.
trust-deed.local/ Debt Advice
For debt advice enquiries you can call our advice team on 0141 848 6353 or 0800 002 9899.
For questions about current debt solutions, or debt solutions that you have completed, you can use our website’s online debt questions forum.