Author Archives: Stuart Stirling

Mortgage and Rent Arrears – Solutions Scotland

Here at Solutions Scotland, we have assisted thousands of individuals and households who have faced struggles with their Mortgage and Rent arrears. The majority of the thousands we have helped were shocked to find out how easy it was to apply for our help, They may have found us on Google or Facebook and applied via our debt calculator or the live chat, regardless of how you find us it all comes down to a simple phone call with one of our debt advisors who will talk you through your options whilst assessing your situation.

Mortgage and Rent Arrears – The concerns

It is very common for your Mortgage and rent arrears to give you concern because falling behind on your payments puts you losing your home at high risk. If you are falling or have fallen behind on your payments it is vital that you act quickly, regardless if it is is your first missed payment or your second/third. If action isn’t taken quickly by yourself then your lender could take major action against you as you have failed to make your obliged payments on time.

When you speak to us at Solutions Scotland we understand the struggles you are facing because the number one question we face is around the security of the individual’s home is secured. It is a high possibility that after several missed payments your lender can begin court action and your house could face repossessions.

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What help does Solutions Scotland provide?

Here at Solutions Scotland, we offer several debt solutions, the solution we put you into depends purely on your income and expenditure and other key factors such as your employment status.

The main cause of Mortgage and Rent arrears is personal debt issues, those debt issues can be put into a Protected Trust Deed or a Debt Arrangement Scheme. We can only put you into a debt solution that you can afford. The debt advisor will go over your situation and explain to you the options available which then gives you the chance to chose to go ahead with a debt plan or not. Feel like a debt solution is for you? Then…

Apply Now

Press Here to see if you qualify for a Trust Deed

What is a Scottish Trust Deed?

A Scottish Trust Deed is a debt solution that allows you to pay back to your debts at an affordable rate each month. The Trust Deed will allow you to pay back your debts with less hassle whilst writing off some of the debt at the same time.

Who can get a Scottish Trust Deed?

To qualify for a Trust Deed you must:

  • Have over £5,000 of debt
  • Be resident in Scotland
  • Have money left over after you’ve paid your living expenses
  • Have an income

Trust Deed Advantages

Trust Deeds have several advantages, including the ability to freeze interest charges.
Your payments are based on what you can afford.
You can protect your assets, such as your house and car.
You will not have direct contact with your creditors.
When finished, your unaffordable debt will be written off, and you will be debt-free.

Trust Deed Disadvantages

Trust Deeds carry the following risks: Your credit rating will suffer as a result.
Certain job types may prevent the use of a Trust Deed.
Creditors have the right to vote against a Trust Deed becoming ‘Protected’.

What debts can be included in Trust Deeds?

Almost all unsecured debts can be included in Trust Deeds such as:

  • Personal Loans
  • Payday Loans
  • Credit Cards
  • Council Tax Arrears
  • Store Cards
  • Catalogues
  • Overdrafts
  • Credit Unions
  • Mortgage Shortfalls (Repossessed property)
  • Car HP, PCP Finances (Vehicle already handed back)
  • HMRC Bills (Self-employed)

The main debts that can’t be included are student loans, court fines, and secured loans. Contact us today for advice on what types of debt can’t and can be included in a Trust Deed or any alternative solutions.

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How long does a Trust Deed stay on my Credit File?

A Protected Trust Deed stays on your credit file for six years from the start date, alongside earlier default notifications, and you won’t be able to get credit until you’re discharged.

When the Protected Trust Deed term expires, lenders will be hesitant to lend you money until you improve your credit score and demonstrate that you can manage your finances again.

Apply Now

Press Here to see if you qualify for a Trust Deed or Call us on 0141 739 8180

Council Tax Debt in Scotland – Solutions Scotland

Council Tax Debt and how to handle it

If you have Council Tax Debt that you cannot afford then don’t worry just yet because there is a handful of solutions that will help you repay them. Firstly Contact your council as soon as possible if you’re struggling to pay your Council Tax or are behind with your payments.

Council Tax Debt – If you miss Council Tax payments

When you miss a bill, the council will give you a reminder notice giving you 7 days to pay. If you don’t pay within seven days, you’re going to have to pay Council Tax for the entire year instead.

If another Council Tax payment is missed, you’ll be given a second reminder note.

In a financial year, you can only get a maximum of 2 alert notes-this runs from April 1 to March 31 of the next year.

council tax debt

Your council will give you a final notice, specifying that if you skip a payment for the third time, you must pay Council Tax for the entire year.

What happens if you don’t pay the Council Tax for the year

Your council can get your employer to pay your unpaid Council Tax directly from your wages. Your council can also apply to take money from the following benefits:

  • Employment and Support Allowance Income
  • Support Jobseeker’s Allowance
  • Pension Credit Universal Credit

You should ask the council if you can make smaller payments if this means you won’t have enough to pay your other bills. The council is no obliged to agree with your request but they tend to make an arrangement with you.

Sheriff Officers

If there’s no other way to recover your debt, your council will send the Sheriff Officers to seize your house. Before the bailiff meets you, they will tell you how much you owe.

The expenses of the bailiffs can be added to the overall sum that you owe the council.

Sheriff Officers who implement debt collection are commonly known to use heavy-handed scare tactics to try to shake you down. But it is not common knowledge to who sheriff officers are, and what they are not legally authorised to do.

Sheriff Officers are the Scottish equivalent of bailiffs who serve as agents of debt management to help recover unpaid debt from private businesses and local authorities. Walker Love, Stirling Park and Scott & Co are examples of these firms.

Although there are few rules about what sheriffs should tell you, it is highly legislated what they are supposed to actually do.

Sheriff officers are mindful of the law and will strive to work their best to the very limits of what it requires. Fortunately for you, there are many basic steps that are well within Scottish law that you should take.

You can stop sheriff officers from taking your possessions and prosecuting your wages as long as you know your rights, or at least stall them so that you have time to seek advice from the experts.

Solutions Scotland Council Tax Debt Solutions

Who are Solutions Scotland? and what debt solutions do they have?

Solutions Scotland is the company that you will need if you are in debt. They can stop action from Sheriff Officers. They can also prevent wage arrestments.

A 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 739 810



The Rise of Debt and How to Make It Stop

The Rise of Debt and How to Make It Stop

The rise of debt can be a scary thing but rest assured there are ways we can stop it. We offer multiple solutions that can freeze interests from adding to your total debt level. Seeing your debt level rise due to interest that you never knew about can be dangerous and affect your credit score massively. Here are a few different types of interests.

Annual Percentage Rate (APR) – how this is added to your debt

The annual percentage rate is the amount of your total interest expressed annually on the total cost of the loan. Credit card companies often use APR to set interest rates when consumers agree to carry a balance on their credit card account.

APR is calculated fairly simply. It’s the prime rate plus the margin the bank or lender charges the consumer. The result is the annual percentage rate.

Fixed Interest

A fixed interest rate is as true as it sounds-a specific, fixed interest linked
to a loan or credit line that, along with the principal, must be repaid.
Since they are simple to measure, easy to understand, and predictable. A fixed-rate is the most common type of interest for customers-both, the borrower and the lender know precisely what interest rate commitments are connected to a loan or credit account. Consider a loan of £10,000 from a bank to a borrower. for instance.
The total cost of the loan, with principal and interest combined, is £10,500, considering the fixed interest rate of 5 percent.

This is the sum that the creditor would pay back.

What will happen if I ignore my debts?

If you miss payments or you don’t pay the right amount, your creditor may send you a default notice, also known as a notice of default. If the default is applied it’ll be recorded in your credit file and can affect your credit rating.

We strongly suggest you not to ignore your debts, However, if you decide to ignore your debt it may result in a few things such as:

  • Your credit score will be damaged. You will find it hard to get future credit with other creditors if they decide to run a credit check on you.
  • You could have your earnings arrested. An earnings arrestment is also known as a wage arrestment. Your employer is instructed to deduct money from your wages each month to settle the debt owed.
  • Sheriff officers may visit your home. They will continue to hassle you until the debt is settled, or a payment plan is arranged.
  • Creditors will pester you via phone, email and letters. They will also continue to do so until the debt is settled.

debt stress

How Solutions Scotland can help

Solutions Scotland offer many solutions that can remove the stress from paying back your debts. From a Debt Arrangement Scheme to a Protected Trust Deed and much more. We have all the right solutions to make your debt manageable, affordable and stress-free. We will also stop ALL creditors from contacting you!

Contact us on 0141 739 8180

Citizens Advice Bureau FACES 5 CLOSURES IN GLASGOW

Citizens Advice Bureau – is my local CAB affected?

Citizens Advice Bureau within Glasgow City will be forced to close 5 offices if the City Council of Glasgow removes critical core service support from September 2020. The following Bureaus have all received notice that their funding will be cut, and as a result, they will be forced to close their doors and services. 

  • Castlemilk,
  • Easterhouse,
  • Parkhead,
  • Bridgeton,
  • Glasgow Central  
This will leave only three offices to serve the entire region of Glasgow. But with GCC’s own funding cut and caseloads already spiralling. 
After the advent of the COVID19 pandemic, all Citizen’s Advice Bureaux in Glasgow are still struggling to cope with the demand as families face employment losses, sickness, and debt as result of the current ongoing crisis.
Citizens Advice Bureau

Citizens Advice Bureau importance.

Some can turn to CAB or law centre to report one-off job problems or one-off benefits. While others depend on them for their everyday lives. Most CAB’s also offers home visits for residents in Glasgow who have difficulty accessing office-based services. The bureau is able to provide an interpretation service and advice in a number of languages. People have the option to drop in for advice. Each office has different drop-in days and times. Search your local branch online for more information. These cuts will see the east end of Glasgow without any CAB offices.

Solutions Scotland Can Help

Although we don’t offer a drop-in service. Solutions Scotland are available every Monday to Friday. We can be reached via phone, email or Facebook. Solutions Scotland is Scotland’s home for debt advice for individuals all over the country. Solutions Scotland can help take away the stress off dealing with debt, plan how to deal with debts. Our advice is always free but we may receive a referral fee.


Citizens advice - Ratings for solutions scotland

(we have over 60 reviews on Google all with 5* ratings)

Require financial help?

If you require financial help you are in the correct place. Prior to reading this blog, you may have encountered an agent trying to reach out to you through our live chat (during office hours only). Regardless of the amount of debt you are in we will be able to guide you in the right direction. As the picture displayed above shows we have our provided our clients with a 5-star experience regarding their issue.


if you wish to contact us you can access the live chat located on the right-hand side of your screen. Alternatively, you can call us on 0141 739 8180 or email us at Following your enquiries, with us, we will be in touch within 24 hours (excluding weekends). Click here to talk through Facebook.



some of the services we offer.

Case Management Administrators

We are a well-known debt advice organisation (Solutions Scotland) based in Glasgow who are looking to recruit experienced Administrators.


The case management role: Working to support a busy team of debt advisors. The duties will include; calling potential customers, dealing with customer queries, system data entry

The successful candidate will be responsible for the case management administrative tasks.

General Office Duties Including

  • Answering phone calls from clients and business partners
  • General administration duties dealing with invoices, filing and photo copying
  • Maintaining business supplies etc
  • Input data into bespoke systems
  • Administer HR records
  • Meet and welcome visitors
  • Make and receive telephone calls
  • Confident telephone manner is a MUST, knowledge of Microsoft and Word, multitasking, proactive and outgoing personality type. Punctual and professional.

Must have previous experience in

  • Call handling
  • Excellent customer service skills
  • Strong IT Skills – especially the use of MS Office
  • Excellent admin skills

Modern Apprenticeship at Solutions Scotland

We are Scotland’s home for great quality debt advice, we are a fully authorised company by the Financial Conduct Authority in the heart of Glasgow.

We thrive to find our clients a debt solution that fits their circumstances whilst maintaining a high standard of customer service making their situation as stress-free as possible. We have a great, friendly office environment for our staff who are looking to progress their own careers. We are looking to add long term staff with the potential to grow within the business with other opportunities.

General Office Duties Including

  • Answering phone calls from clients and business partners
  • General administration duties
  • Maintaining business supplies etc
  • Input data into bespoke systems
  • Meet and welcome visitors
  • Make and receive telephone calls
  • Confident telephone manner is a MUST, knowledge of Microsoft and Word, multitasking, proactive and outgoing personality type. Punctual and professional.

Apprenticeship – £8,372 + and a permanent contract after 3 year Apprenticeship completion.

Year 1 £8,372
Year 2 £11,375
Year 3 £13,445


Debt Advisor

We are a well-known debt advice organisation (Solutions Scotland) based in Glasgow who are looking to recruit experienced customer service advisors. We provide debt solutions to our valued customers, so you will become a successful Debt Advisor after training.

After great success last year, the company is expanding and is looking for confident, friendly and hard-working candidates to join them at this very busy period.


  • Energetically and enthusiastically work as part of a high performing customer service team
  • Consistently put our customers first and build their trust
  • Proactively identify the best solutions for each customer
  • Adhering to company and industry standards
  • Following all FCA regulations and quality and compliance principles
  • Work proficiently with dedicated computer systems

You will receive

  • A salary of £17,500 (£25,560 one time earnings) Per Annum
  • Uncapped Commission structure
  • Generous pension scheme
  • 28 Days holiday inc Bank Holidays
  • A fantastic office and working environment
  • 2 Weeks training provided


We are looking to speak with candidates who have worked within a customer centred environment previously. You must be IT literate and able to use bespoke systems. Customer service or collections experience beneficial.


  • Customer service skills (minimum one year)
  • Strong IT Skills – especially the use of MS Office
  • Excellent Problem-Solving skills
  • Sales OR account management (minimum one year)

Our Ideal future colleagues

Candidates must be confident when speaking to customers over the phone and used to handling sensitive data and information. It can be difficult speaking with people about money/debt so empathy is a must!
Basic Disclosure and credit check pass required.

If you are looking for a genuine opportunity to have a long term career and progress within a business, then Solutions Scotland is the right match for you.  Solutions Scotland is home to great quality debt advice.

Solutions Scotland COVID – 19 Update

It is fair to say that we find ourselves in uncharted waters. COVID-19 is bringing a change to Scotland and it’s clear that lots of things are going to have to change in order to help us continue to be Scotland’s home for debt advice.

At Solutions Scotland, we have been doing everything we can to keep business as usual, but in the last fortnight we took the decision of enabling all of our staff to work from home until 13th April 2020, until we get a clearer idea of how this situation will develop.

Reacting to the latest government announcements, we have to plan on this situation being the new normal and we will do all that we can to make the advice you need available, but we need your help.

In order to continue the essential debt advice required as we see demand rise, we will start to implement the following changes:

• To ensure more people have access to essential debt advice, we are asking our clients if they are unable to make there booked in advice call to give us two hours’ notice to give us the chance to offer that slot to someone else in need.
• In order to allow Solutions Scotland colleagues to focus on helping as many people struggling with debt at this time, to use our electronic app or email where possible for future queries.
• To avoid posting documents where possible as this will put our staff at risk & will take longer than normal to process your case.
• No member of Solutions Scotland will see any clients face to face until the situation changes, to give our staff the best possible chance of staying safe.
• To help clients that are more vulnerable, our advisors will prioritise those cases.
• To ensure our advisors are helping as many Scottish residents struggling with debt through this period, our advisors will have access to communicate through to clients on our system’s SMS capability.
Solutions Scotland colleagues can work from home and please keep in mind a good number of them will need to respond to personal or family challenges connected with dealing with COVID-19. So we would please ask that you understand the challenging environment in which we are all working. If you do choose us and want to say thank you, then I’m sure they’d appreciate it by leaving a good review of how they helped –

Our compliance team will continue to ensure our advisors are meeting the core needs of our customers – we are confident that we can continue to help the nation. We are offering free debt advice as usual in this very challenging time and we will only get through this if we work together.

Thank you for your support.
John Lindsay
Managing Director
Milton & Stirling Ltd T/A Solutions Scotland

How do I find out who I owe money to? We have some tips to guide you.

The majority of people who enquire for free debt help don’t know who they owe money to.

Do you think you owe money but can’t remember or just don’t know who you owe money to because there has been so many companies trying to chase the debt?

Here at Solutions Scotland we receive thousands of enquiry’s every week for free debt help and one of the first things mentioned is “I don’t know who I owe money to”. So we would like to offer some tips on finding out exactly who you owe money to so you can get your finances back on track!

So first things first best way to start would be gaining a free credit report, not a free trial then charged because you forgot to cancel your online credit report, there are actually companies out there who will give you a free credit report with no catches! That’s right below are two companies we know offer free online credit reports without having to pay but you will still need a debt card handy to confirm your identity.

Both sites will give you a credit report based on the information provided so try be as accurate as possible.

Now that isn’t you complete as your free online credit report won’t include the following debts;

Local government debts such as – HMRC & DWP debts
Local council debts such as – Council tax arrears & overpayments

So how would I find out about these debts? Well pretty simple back to the old fashioned way and giving them a call if you have no correspondence from them.

So if you think you may have had council tax arrears in the past for example and you have had a sheriff officer at your door, you would call your local council to find out how much you owe and not the company that sent the sheriff officer out as they may only know about one debt and not your whole account.

If you would like further help with this simply get in touch one of our friendly advisors would be happy to help.

If you are in debt and would like free debt help just leave your details on our home page or get in touch below and someone will explain what help is out there, there is no need to struggle!