Find out more about the data behind our statistics.Ad Substantiation
*If you are in receipt of certain prescribed social security benefits (e.g. Universal Credits, Child or Working Tax Credits) or you are assessed as having no surplus income then there is no application fee payable.
Depending on your circumstances, there are alternative ways of managing your unaffordable debts. See pages 20-21 of our free Scottish debt help guide for more info.
• 98.5% of our proposed Trust Deeds gain protection status making us No.1 in Scotland¹
• 97.9% of our customers rated our service as Excellent on Trustpilot²
• 99.9% of our proposed Debt Payment Programmes (DPPs) under the Debt Arrangement Scheme are approved by creditors³
• Write off up to 70% of your debt⁴
• No Setup Fees & Fees May Apply⁵
¹In 2021, we achieved a protection rate of 98.5%, this made us the best performing volume provider of Protected Trust Deeds in Scotland. Trust Deeds advertised between 01/01/21 and 31/12/21. ²Reviews collected between October 2012 and June 2022, a total number of 5,198 reviews were received, 5,089 people rated us as ‘excellent’. A further 107 people rated our service as ‘great’. ³In this sample of 1,144 Debt Payment Programmes (DPPs) under the Debt Arrangement Scheme (DAS), approved between July 2019 and October 2021, only 1 proposed DPP was rejected and unable to proceed. ⁴The expected debt write-off figure of up to 70% is based on 5,234 Protected Trust Deeds currently administered by Harper McDermott Ltd and granted between January 2017 and September 2021. The expected write-off % includes the costs of administering each Protected Trust Deed (PTD). More information relating to the costs of administration can be found by clicking here. In this sample of PTDs, the expected write-off figure reaches as high as 83%. 5% of the PTDs have an expected write-off figure between 71% and 83%. 95% of the PTDs have an expected write-off figure of up to 70%, the average (mean) being 45% when the costs of administration are included. Of the cases in this sample, 1,823 were granted since the Covid-19 pandemic took effect in 2020. The average expected debt write-off for these cases is slightly higher at 49% when the costs of administration are included. ⁵There are no upfront, initial setup fees. All ‘free’ advice given is based on formal options available in Scotland and is therefore provided in reasonable contemplation of an appointment. We do not administer or provide advice relating to informal debt management products, such as Debt Management Plans. Advice and information on all options will be provided following an initial fact find where the individual(s) concerned meets the criteria for a Trust Deed, DAS (Debt Arrangement Scheme) and wishes to pursue it further. Depending on the advice given, and only should you choose to proceed with a solution offered by ourselves, there are fees associated with our services. It is important these are fully explained before entering into a formal debt solution. You will always find us open about these fees and how they are charged. There will never be any obligation to proceed with any solution offered.