About Trust Deeds
We explain Scottish debt solutions in plain English and, only if you ask, pass your enquiry to a licensed insolvency practitioner firm. Here is who we are and who we are not.
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Trust Deeds (trustdeeds.co.uk) is an information website and enquiry service for people in Scotland who are dealing with debt. We explain protected trust deeds and the other Scottish debt solutions in plain English. If you ask us to, we pass your enquiry to a licensed insolvency practitioner firm who can look at your options with you.
What we do
We do two things:
- We publish plain-English guides to trust deeds, the other debt solutions available under Scots law, and your rights when creditors or sheriff officers take action. They are general information, written for people in Scotland, and checked against official sources such as legislation.gov.uk, the Accountant in Bankruptcy and mygov.scot.
- We run a short enquiry form. If you want to talk your options through, you can answer eight questions. With your permission, we pass your answers to [Partner firm TBC], a firm of licensed insolvency practitioners, who will contact you. They should explain every option open to you, including ones that are not a trust deed.
You can read how our service works for each step, what we share and how we are paid.
What we are not
We are not a debt charity. If we introduce you to an insolvency practitioner or a debt advice firm, they may pay us a fee. This does not change what you pay.
To be clear about who we are:
- We are not a charity or a not-for-profit organisation.
- We are not a government body. We are not part of, or approved by, the Scottish Government, the UK Government or the Accountant in Bankruptcy.
- We are not an insolvency practitioner. We do not arrange trust deeds ourselves. If you ask us to, we pass your details to a licensed insolvency practitioner firm, who will contact you.
- We do not give debt advice. We do not recommend a trust deed or any other solution. Only someone who has looked at your full situation can do that.
You can always get free advice instead
You do not need to use our service. Free, impartial debt advice is available across Scotland, including from MoneyHelper, Citizens Advice Scotland and Advice Direct Scotland. The Debt Arrangement Scheme can only be set up through an approved money adviser, who cannot charge you for setting it up. See free debt advice in Scotland for contact details.
If debt is affecting your health or you are in crisis, please read if you are struggling first. It lists helplines, including some that are open 24 hours a day.
Company details
To be confirmed before launch. The details of the company that runs this website have not yet been confirmed and must be completed before the site goes live.
- trustdeeds.co.uk is a trading name of [company name TBC].
- Registered office: [Registered office TBC]
- Registered in Scotland, company number TBC
- ICO registration number TBC
- FCA status TBC
- Partner firm: [Partner firm TBC], a firm of licensed insolvency practitioners
To contact us, use our contact page. To see how we handle your information, read our privacy policy.
Official sources
Guides in About us
- How our service works Each step of an enquiry, who we pass details to, how we are paid and how to complain.
- If you are struggling Helplines, extra support from advisers, and mental health and debt in Scotland.
- Contact us Phone, email and postal details.
- Policies Privacy, cookies, terms and complaints.
Common questions
Are you a debt charity?
No. Trust Deeds is not a charity or a not-for-profit organisation. If we introduce you to an insolvency practitioner or a debt advice firm, they may pay us a fee. This does not change what you pay. Free debt advice is available from charities and other services in Scotland, and you can go to them directly.
Are you part of the government or the Accountant in Bankruptcy?
No. We are not connected to the Scottish Government, the UK Government or the Accountant in Bankruptcy. The Accountant in Bankruptcy is the Scottish Government agency that supervises trust deeds. You can read its guidance directly on its own website.
Do you give debt advice?
No. Our guides are general information, and we do not recommend any debt solution. If you want advice about your own situation, you can ask us to pass your enquiry to a licensed insolvency practitioner firm, or you can go straight to a free, impartial advice service.
Do you arrange trust deeds?
No. We do not arrange trust deeds ourselves and we are not insolvency practitioners. If you ask us to, we pass your details to a licensed insolvency practitioner firm, who will contact you and explain every option, including ones that are not a trust deed.