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Just to clarify that all firms represented on this forum can administer all of the Scottish statutory debt solutions and will always advise clients ab...

They should disappear 6 years from the date of default, Bdoor20, though should be updated to show as settled/satisfied once you are discharged from th...

Welcome S2005b. I'm really sorry to hear about the abuse you have suffered and am glad that you are now able to move on. The rules around compensa...

During the 4-year period that starts with you signing the Trust Deed you are obliged to pay over any assets/windfalls that you may receive, so if you ...

Hi Liam. I was under the same impression as you actually, though am no expert on credit scores. It is worth remembering that applying for a mort...

No problem. The Form 5 should be sent out automatically. There is no set timescale - it seems to take firms anything from a week or so to a few mo...

Hi BMC. Once the agreed payment has been made for your wife's share of the equity and she is discharged then the Trustee has no claim any longer ov...

Hi Kitkat00. Welcome to the forum. That sounds like quite a stressful position to be in, but please be reassured that there are certainly some goo...

It would certainly need to be discussed with your Trustee before you go ahead with this plan, otherwise it could certainly cause problems. To be hone...

Hi AITCH61, welcome to the forum. I'm very surprised to hear that your new Trustee are refusing to review your payments until the "arrears" are cle...

I'm no expert on tax codes but as I understand it an X just means it is a temporary code that is being used while HMRC investigate further to ensure t...

That's poor on their part, but I guess you just need to keep trying and be more insistent - they can't be in meetings the whole time!

I feel it is worth making the point that we are talking about different circumstances here. An offer of a settlement from a third party can be retrac...

Hi. A Trust Deed can be a very useful process to enable debts to be written off, but is rarely the right option if circumstances mean that there are ...

I imagine it might vary a little depending upon who your money adviser is and who the payment distributor is. If you are settling the debts in full t...