Many Scots are finding themselves in a
situation where they cannot cope with the burden of their debt. This is
often a once in a lifetime situation and very few people will have the
experience to know what is the right solution for them and whether the
advice they are being given is correct.
Previous people who
have asked Debt Advice
Desk for help said that getting in
touch was one
of the hardest things they have ever had to do, however once they
realised a solution existed for them they felt relieved.
There is always a solution
to debt and our experts can help
you
find your debt solution. There are a number of
different Scottish debt
solutions for people living in Scotland with a debt problem. Click on
the
tabs below to read about the different debt solutions.
Our
debt tip's
Many people make the difficult
decision to deal with their debt problem and seek help however don't
know where to turn. This can lead them to turning to the wrong company.
We have listed some of our top debt tip's when deciding which company
you turn to for debt help.
Ensure the website you
are dealing with is operated by an advisor based in Scotland
The
solutions available in Scotland are different from those in England and
this will help to ensure that the advisor you are dealing with is fully
aware of the solutions available in Scotland.
Check that the website
you are consulting provides its trading address
If
it doesn’t this is often an indicator that it is simply a marketing
website that sells your details on.
Check for a Consumer
Credit Licence
Providing
debt advice requires a Consumer Credit Licence (CCL). This should be
indicated on the website, usually at the bottom of the Home page, or on
the “About us” page. If no CCL is mentioned, this often again indicates
that the site is a marketing tool that sells your details on.
Be clear on what you are
paying and why
Under
no circumstances should you agree to pay an “arrangement fee” or
“set-up” fee if you are signing a Trust Deed. At WRI Associates we are
focused on sorting your debt problem and make no such charges.
Question why you are
being offered a particular solution
If
you are offered a particular solution, ask the adviser to explain what
other solutions are available and why they are recommending that
particular solution. Many companies only provide one particular type of
solution and may not provide any choice. If you have credit
card debt problems be aware that some companies are offering
to clear all of your debt, which is impossible.
You
can cut out middlemen who offer debt advice by going directly to Debt
Advice Desk who provide debt advice and the solution. Find out more here.
Office location: Suite 5,
3rd Floor, Turnberry House, 175 West
George Street, Glasgow G2 2LB
