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June's Story

Reviewed 14th February 2024

How it all began

June accumulated a large amount of debt on store cards and a credit card, but instead of paying them off each month, she’d spend her money on other things. It got to the point where she was frightened and stressed. “It was awful…” she says. “I couldn’t answer the phone. I was terrified in case it was somebody looking for money, which it usually was. And letters, the postman coming… the amount of times I used to hide behind the door…”

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How SDS Helped

June got in touch with SDS after a little bit of research online and began to turn her life around. She didn’t have to come into the SDS office, but spoke to her advisor, Jane, many times over the phone. “She would do anything; nothing was too much trouble. And if she said she’d get back to you about something, she got back to you. You could trust her.”

Jane recommended June apply for a Trust Deed.

Once the trust deed was in place, the threatening letters and phone calls June dreaded so much stopped. At Scotland Debt Solutions, we understand the distress this constant communication with the people you owe money to can cause. This is why we make it our responsibility to contact your creditors and inform them that you have entered into a trust deed and that any further communication must now go through us.

Looking to the future

Eighteen months later, June is debt free. Now, if she sees something she wants to buy, she can buy it (with cash, of course!). “It’s as though a weight has been lifted off my shoulders.”

And what would June say to anyone who finds themselves in her situation? “I would say 'go and get help'. Don’t worry yourself to death… There’s always people there who will help you.”

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Advantages of a Protected Trust Deed
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Advantages of a Protected Trust Deed

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Can I replace my Trustee during a Trust Deed Arrangement if i'm unsatisfied?
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Can I replace my Trustee during a Trust Deed Arrangement if i'm unsatisfied?

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Differences between a trust deed and debt arrangement scheme (DAS)
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Differences between a trust deed and debt arrangement scheme (DAS)

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Differences between a Trust Deed and Sequestration (Bankruptcy)
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Differences between a Trust Deed and Sequestration (Bankruptcy)

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Disadvantages of a Scottish Trust Deed
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Disadvantages of a Scottish Trust Deed

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How long does a trust deed stay on your credit file?
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How long does a trust deed stay on your credit file?

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How to improve your credit score after a Scottish Trust Deed
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Is it possible to enter into a second Trust Deed?
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Is it possible to enter into a second Trust Deed?

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Trust Deeds in Scotland

Trust Deeds in Scotland

A Trust Deed involves making a monthly contribution to your debts for up to four years. After this time any remaining debt included in the Trust Deed will not need to be paid.

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What debts can I include in a trust deed?
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What debts can I include in a trust deed?

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What happens to my Trust Deed if I’m unemployed or lose my job?
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What happens to my Trust Deed if I’m unemployed or lose my job?

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What happens when a Trust Deed ends?
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What happens when a Trust Deed ends?

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Will I Lose My Home If I Enter Into a Trust Deed?
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Will I Lose My Home If I Enter Into a Trust Deed?

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Will my creditors agree to my trust deed?

Will my creditors agree to my trust deed?

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