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Hi I think if Bank of Scotland were going to freeze your account they would probably have already done it by now. It tends to be picked up when th...

When you enter a Protected Trust Deed your only obligation is to pay whatever you can afford for 4 years and allow the value of any significant assets...

Given that we believe RBS are appealing that decision then I'm not sure how the ombudsman would look at it to be honest.

Yes, all tax debts which relate to a period prior to the signing of the Trust Deed are automatically included and your liability for them was discharg...

Wee update regarding these potential changes to Trust Deeds, as I was at a stakeholder meeting hosted by the Accountant in Bankruptcy last week and th...

Maybe I should do the same. Hmmmm, on second thoughts...

Great to have you back, David. Looks like you haven't aged a day in the meantime! 😉

Congratulations Welcome14. Thanks so much for sharing your experiences and that's great news that your paranoia proved to be unfounded. I certainl...

Is it a form 5 you received, davebs? Might be worth double-checking your entry on the register of insolvencies if you aren't certain. It is easy to ...

Hi trustedhibee. You asked about how wage arrestments work. To call it this in relation to Protected Trust Deeds is probably not helpful to you, a...

A trustee cannot stop someone from deferring their state pension if they choose to do so. However, if the Trust Deed was entered into on the understa...

Many congratulations!

Hi 13David I'm glad this forum has been of help to you so far, and hopefully we can help you steer a course that suits you best. A Protected Trust ...

I think the chances of there being any problem as a result of having stated you were single with no dependants on your credit application are small. ...

I think there is every chance that adding your name could just cause problems. Perhaps best left until you are out of your Trust Deed?