Latest Articles

12/11/2018

Can Debt Be Written Off In Old Age?

The Scottish Parliament has passed new legislation to update and clarify when debts in Scotland are written off because of old age. The Prescription (Scotland) Act 2018 aims to clarify the law of Scotland in ...

09/11/2018

Rising Rent Arrears Blamed on Universal Credit

Citizen Advice Scotland (CAS) has published a new report that says the overwhelming factor behind the 47% increase they have seen in people seeking advice for rent arrears is the roll-out of Universal Credit. The ...

16/10/2018

My wages have been arrested: Frequently Asked Questions.

Wage arrestments, or as they are properly known, earning arrestments, are carried out in Scotland by sheriff officers. An Earnings Arrestment Order (EAO) instructs an employer to deduct money straight from your wages either daily, weekly, fortnightly, or monthly, ...

10/10/2018

How Debt Affects Your Mental Health

World Mental Health Day Here’s wishing you happy mental health – not just today but all year round. As we’re beginning to talk more openly about our mental health and how it impacts so many ...

25/09/2018

Sheriff Officers have arrested my Bank Account… What now?

In Scotland, if you owe money and a Sheriff Officer is instructed to recover that money from you, one of the most likely ways they will do this is by arresting your bank account. This ...

20/09/2018

The Negative Impacts of Gambling

Around half of men and women in the UK admit to gambling every month. That’s right — half. At first it sounds like a frighteningly large number but when you consider how gambling hasn’t just ...

24/08/2018

New Rules for the Debt Arrangement Scheme

The Scottish Debt Arrangement Scheme is changing The changes which are being introduced by the Scottish Government have been laid before the Scottish Parliament in the form of regulations, and are due to come into ...

23/08/2018

Sequestration vs Trust Deed

Sequestration vs Trust Deeds The two most notable formal debt solutions in Scotland are Sequestration – ‘Scottish Bankruptcy’ – and Trust Deeds. There are advantages and risks associated with both these debt solutions, and it ...

15/08/2018

The Cost of After School Care

The kids going back to school can be stressful enough if you are a working parent, with after school care to organise and budget for. Bearing this in mind, we have put together a short ...