9am - 8pm

Write off up to 81% of your debt.

Safe, secure & confidential

No upfront costs

Safe, secure and confidential

Protect your assets


Write off up to 81% of your debt.

Safe, secure & confidential

No upfront costs

Safe, secure and confidential

Protect your assets

Write off most types of debt, including:

Credit Cards

Payday Loans

Store Cards


Personal Loans

Lines of Credit

Business Debt


Our easy 3 step process

Get started

Answer a few quick questions to check if you qualify to write off debt

Speak to an expert

Chat to a debt expert for your personalised plan


Leave the rest to us and get back to enjoying life without money worries

Benefits of a debt solution

How it works…here’s an example!

See how a Trust Deed could help you with this simple example to consolidate all unsecured debts into one smaller monthly payment and write off unaffordable debt.

Example of unsecured debts.

Bank Loans


Short Term Loans


Phone Bills


Credit Cards


Store Cards


Payday Loan




Total amount owed:


Customer monthly repayments before and after a Trust Deed.

Reduced by 80%

Monthly payments are based on individual financial circumstances

What is a Debt Arrangement Scheme (DAS)?

The Debt Arrangement Scheme (DAS) is a scheme set up by the Scottish Government to give people the time they need to repay their debts at a manageable rate, without being pressured by the creditors they owe money to.

Trust Deed or Debt Arrangement Scheme (DAS)?

Trust Deed

Debt Arrangement Scheme (DAS)

Frequently Asked Questions

We’ll do a soft credit search on the call (don’t worry, this has no impact on your credit file). That will give us a good idea of your outstanding debts to start with. Then, we’ll ask you about your income and outgoings, as well as who you owe money to, so that we can get the full picture, and give you the best possible advice.

It’s okay, we can still help. If you’re not sure of all the people you owe money to, or you haven’t got an exact amount for each payment, we can make some calls to help you find out, or suggest steps you can take to get us the information while you’re on the call.

You won’t pay a penny for the advice our debt specialists give you on the call. If you do qualify for a debt solution, the fees will be taken from the monthly amount you pay to your creditors. Everything’s covered, and we don’t take any money upfront. The last thing we want is you getting further into debt.

Everyone’s story is different, and there are a lot of options, including Trust Deeds and bankruptcy, as well as more informal plans like the Debt Arrangement Scheme. Once we carefully build up a picture of your situation, our advisors will take it step by step, so we can understand your concerns, and which of the available solutions would be the right fit for your situation. We’ll only proceed if you’re completely comfortable to go ahead.

That’s completely understandable, but be reassured, we’ll do everything we can to put you at ease. We don’t use complicated jargon, and we treat every customer as an individual, taking their unique circumstances into consideration before sharing our impartial advice. There’s nothing we haven’t dealt with; we speak with hundreds of customers every single day. We’re here to have an open and honest chat and try to build a picture to see what help and support we can give you.