Lockdown Debts – Solutions Scotland

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Lockdown Debts

Without further EFFICIENT government help, a huge number of people will be pushed into long-term debt as a direct result of coronavirus whether it be loss of employment, fewer hours or no job opportunities. Ironically millions of the population of have selflessly helped the country during the pandemic now potentially face years of financial hardship dealing with lockdown debts. People are being forced to choose between paying household bills or paying creditors like credit cards and loans.

Lockdown Debts In Numbers

Citizens Advice Bureau estimate that 6 million UK adults have fallen behind on at least one of the household bills during the pandemic, including:

  • 3.4 million on their mobile phone or broadband bills
  • 3 million on their water bills
  • 2.8 million on their energy bills
  • 2.8 million on their council tax
  • 1.2 million on their rent

3.9 million people have also fallen behind on either their credit card or overdraft repayments. Essentially forcing households to choose between priority bills like rent, energy and food bills OR creditors for debts like credit cards and loans. A horrible, horrible decision to have to make given the current circumstances we are living in at the moment, already mentally trying circumstances with lockdown without the added pressure in regards to deciding if you pay this months rent? Or do you pay this months loan repayment? However, it does not have to be that way.

Certain Groups have suffered more than others to lockdown debts.

People who are more likely to have been directly affected by coronavirus, have played a key role in the response or to have already been in a precarious financial situation beforehand are far more likely to have fallen behind on their bills.

1 in 5 key workers have fallen behind on their bills, compared to fewer than 1 in 10 people who are not key workers. With Caring responsibilities, 1 in 4 people have fallen behind on their bills.

Debts attacked everyone, regardless of our job title, employment status, marital status or ethnicity, We are all part of a bigger statistic. But again it does not have to be that way. Speak to us at Solutions Scotland…..

Solutions Scotland Lockdown Debt Help

Who are we at Solutions Scotland? and what debt solutions do we have?

Solutions Scotland, we give you the very help you need. Can also stop action from Sheriff Officers. We can also prevent wage arrestments, have options that freeze interest and charges on credit cards to enable to to pay back what you owe only.


Protected Trust Deed will see you become debt free in 48 months. You will also write off up to 75% away from your debts. You will make Affordable monthly repayments. Creditors and Sheriff Officers will no longer be able to contact you.

If a Protected Trust Deed isn’t for you don’t worry Solutions Scotland also offer Solutions such as:

Debt Arrangement Scheme (DAS)


MAP (Minimal Asset Process)


0141 739 8180


EMAIL: enquiries@solutionsscotland.co.uk

Solutions Scotland is a trading style of Milton & Stirling Ltd, Company Number SC587851 – Solutions Scotland, 78a Stanley Street, Glasgow, G41 1JH. DPA number ZA431921

Milton & Stirling Ltd are an Appointed Representative of MichaelAlan Ltd who are authorised & regulated by the Financial Conduct Authority, FRN 690939.

As part of our free service, we’ll review your financial situation, explain the available options and recommend a debt solution which is suitable for you. The risks of all suitable solutions will be explained clearly and if you decide to go ahead with a debt solution we will refer you to one of our trusted providers who specialise in the management of that debt solution. We’ll be paid for introducing you or for the preparatory work we do, depending on your debt solution fees may be payable if ongoing services are provided. Read about fees and key information in our terms & conditions. To find out more about managing your money and getting free debt advice, visit Money Advice Service , an independent service set up to help people manage their money.