Reviewed 23rd December 2021
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…”
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.
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.”
Levels of unsecured debt in Scotland increased dramatically during 2022 as the cost of living crisis took its toll on household finances.
Close to half a million Scots are in a position of profound financial hardship, according to a new set of figures.
Disabled people in Scotland are being urged by the government to check whether they might be eligible for benefits that could help make their life a little easier.
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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.Find out More
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