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How It Works

  1. We will take your call and if relevant complete an income & expenditure review.
  2. If we can assist you by reducing your monthly outgoings or preparing a Protected Trust Deed, we will send out an information pack, which will contain documentation for you to sign and return, including the authority forms allowing us to speak to your creditors.
  3. Once you have received the pack you can talk through the documentation with a dedicated advisor, who will answer any further questions you may have. From this point, you can then start referring any creditor calls or correspondence directly to us.
  4. As soon as we receive your documentation we can start contacting your creditors to advise them that we are acting on your behalf.
  5. As soon as we have obtained up to date balances for each item of credit, we shall be able to complete an accurate Income & Expenditure review. To become protected your trustee will need to advertise your trust deed in the Edinburgh Gazette and write to all of your creditors advising that you wish to apply for a protected trust deed. Your creditors then have 5 weeks from the date of publication of the notice to object. Your trustee will apply to the Accountant in Bankruptcy for your trust deed to become protected provided he has not received written objections from creditors who represent more than one half of your creditors in number of all of your creditors or one third in value of all of your creditors.
  6. Once your trust deed becomes protected, all of your creditors who have been notified of the trust deed can no longer take action against you to recover their debt. If creditors accept that you can only repay a proportion of your debt, the balance of your debt will be written off as long as you keep to the terms of your agreement.
  7. At anytime, you can contact us if you find that your circumstances have changed, and we will conduct an up to date review.

Call now 0800 197 4940

An expected £1.16 billion of credit card debt will go unpaid in 2009