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Keeping Scotland out of the Red

Advice Scotland
  • Home
  • Solutions
    • Token Payments
    • Moratoriums
    • Debt Arrangement Scheme
    • Debt Management Plans
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    • Statutory Moratoriums
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    • Write Offs
    • Minimum Asset Bankruptcy
  • Blog
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Scottish Adviser Blog

Are Klarna and other BNPL Lenders the New Wonga?

Are Klarna and other BNPL Lenders the New Wonga?

13th January 2021 0 comments

As over 70 Members of Parliament propose new Regulation for Buy Now Pay Later Lenders, could they become the new Wonga’s?

Scottish Adviser13th January 2021 0 comments
Scottish Adviser
Five Ways to Pay off your Debts

Five Ways to Pay off your Debts

10th January 2021 0 comments

Have you made a new year resolution to pay off your debts this year and don’t know how to start? We look at five ways to pay off your debts.

Scottish Adviser10th January 2021 0 comments
Scottish Adviser
Eviction Ban: How to use it to your Benefit

Eviction Ban: How to use it to your Benefit

9th January 2021 0 comments

As the Scottish Government extend their eviction ban until the 31st March 2021, we look at what options is open to tenants and homeowners.

Scottish Adviser9th January 2021 0 comments
Scottish Adviser
Why the Lockdown will be Different this Time

Why the Lockdown will be Different this Time

5th January 2021 0 comments

Today’s announcement by Nicola Sturgeon in relation to the Coronavirus (shortly followed by a similar announcement by Boris Johnson), has effectively plunged Scotland back into Lockdown. This is the closest we’ve been to having a full Lockdown since the first one ended. They are not identical, but judging from the pattern of how things develop, […]

Scottish Adviser5th January 2021 0 comments
Scottish Adviser
Why Scots should avoid Stepchange’s Covid Payment Plan

Why Scots should avoid Stepchange’s Covid Payment Plan

25th October 2020 0 comments

The UK Debt Charity, Stepchange, have launched a new Covid Debt Payment Plan, but in Scotland the Debt Arrangement Scheme is better option.

Scottish Adviser25th October 2020 0 comments
Scottish Adviser
Are Scots now on the Financial Precipice of this Crisis?

Are Scots now on the Financial Precipice of this Crisis?

21st October 2020 0 comments

Are Scots stepping up to the financial edge of this crisis? Is there anything more the Scottish Government and Parliament could doing?

Scottish Adviser21st October 2020 0 comments
Scottish Adviser
Should  Students bring their Tenancies to an End?

Should Students bring their Tenancies to an End?

27th September 2020 0 comments

As thousands of students in Scottish Universities face six months of restrictions, should they bring their tenancies to an end?

Scottish Adviser27th September 2020 0 comments
Scottish Adviser
Last Minute Deal to Save Glasgow Advice Agencies

Last Minute Deal to Save Glasgow Advice Agencies

3rd September 2020 0 comments

Glasgow Advice Agencies facing closure and cuts of up to 36% last week, have secured a last minute £4 million temporary deal.

Scottish Adviser3rd September 2020 0 comments
Scottish Adviser
Breathing Space: Are there Lessons to be Learned?

Breathing Space: Are there Lessons to be Learned?

19th July 2020 0 comments

The UK Government has laid the draft Regulations for its much-awaited Breathing Space Scheme for people struggling with problem debt in England and Wales. The new Debt Respite Scheme is outlined in Regulations made under the Financial Guidance and Claims Act 2018, and essentially contains two, new short-term, statutory solutions for people in debt. The […]

Scottish Adviser19th July 2020 0 comments
Scottish Adviser
COVID 19: Responding to the Debt Crisis

COVID 19: Responding to the Debt Crisis

13th April 2020 9 comments

The effects of the Covid 19 on peple’s personal finances is still unknown, but it is likely it will be severe. We need think radically to deal with it.

Scottish Adviser13th April 2020 9 comments
Scottish Adviser
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READER QUESTIONS

  • Scottish Adviser on Earning Arrestments and FAQs: “Hi Donna I do recall you from before and I am glad you have had a partial refund. What is…” Jan 19, 18:52
  • Donna on Earning Arrestments and FAQs: “Hi, you gave me advise previously which I used to get a Sheriff Officer to admit they had continued an…” Jan 19, 14:02
  • Gary McAlpine on Parking Charge Notice (Private Firms): “Many thanks!” Jan 16, 11:12
  • Scottish Adviser on Parking Charge Notice (Private Firms): “Hi Gary It is common for Firms to put debts out for collection to one Firm for a while and…” Jan 16, 09:57
  • Gary McAlpine on Parking Charge Notice (Private Firms): “Hello again, I now have a file with letters from 4 separate companies, I am unsure whether to write to…” Jan 15, 12:50
  • Gary McAlpine on Parking Charge Notice (Private Firms): “Many thanks for your prompt reply and for confirming my next course of action. Kind regards, Gary” Jan 15, 12:03
  • Scottish Adviser on Earning Arrestments and FAQs: “Hi Yvonne Contact the Sheriff Officers and explain the mistake. Your partner’s employers should reject the wage arrestment if it…” Jan 14, 21:14
  • Scottish Adviser on Parking Charge Notice (Private Firms): “Hi Gary I have heard this being said before that advice agencies are saying these debts are not enforceable. They…” Jan 14, 21:02
  • Gary on Parking Charge Notice (Private Firms): “Hello, In July 2020 I was assisting my elderly disabled mother in a small local shopping centre near Glasgow with…” Jan 14, 14:22
  • Yvonne on Earning Arrestments and FAQs: “Hi Sheriff Officers have sent a wage arrestment in my name to my partners employers with their date of birth.…” Jan 14, 11:42
  • Scottish Adviser on Parking Charge Notice (Private Firms): “Hi Sorry for the delay in getting back to you. As far as I aware POPLA won’t hear appeals for…” Jan 14, 08:00
  • Mike on Parking Charge Notice (Private Firms): “Hello, I got a parking notice three years ago before POPLA was available in Scotland. They continue to send letters…” Jan 12, 16:41
  • Scottish Adviser on What are Exceptional Attachment Orders?: “Hi Ian Forgot to mention only Sheriff Officers can execute Exceptional Attachment Orders, but there needs to be another hearing…” Jan 11, 19:06
  • Scottish Adviser on What are Exceptional Attachment Orders?: “Hi Ian You should normally be told by the Bank after 3 weeks from a Bank Arrestment being executed whether…” Jan 11, 18:41
  • Ian on What are Exceptional Attachment Orders?: “My Company, based in Scotland, undertook work, on behalf of a Sole Trader for a third party. On completion of…” Jan 11, 17:28
  • Scottish Adviser on Should you be worried about Sheriff Officers?: “Hi Cameron Thanks for getting in touch. What you are describing is extremely common at present and there is a…” Jan 9, 18:05
  • Cameron on Should you be worried about Sheriff Officers?: “I’m in debt of over 25k. It’s came to a point I can no longer pay the debts due to…” Jan 9, 16:37
  • Scottish Adviser on Parking Charge Notice (Private Firms): “Hi L Well I think you have grounds to challenge the Debt Collection Fees, as they are clearly in excess…” Jan 8, 21:18
  • L on Parking Charge Notice (Private Firms): “Hello, Great website – very informative. I have received a PCN of £100 for allegedly overstaying in a car park…” Jan 7, 12:35
  • Scottish Adviser on Parking Charge Notice (Private Firms): “Also Bob, if you are going to appeal make sure that they also met all the other conditions for applying…” Jan 7, 08:43

Debt Arrangement Scheme: What is Changing?

https://www.youtube.com/watch?v=ei21G4-Mr9U

Recent Posts

  • Are Klarna and other BNPL Lenders the New Wonga? 13th January 2021
  • Five Ways to Pay off your Debts 10th January 2021
  • Eviction Ban: How to use it to your Benefit 9th January 2021
  • Why the Lockdown will be Different this Time 5th January 2021
  • Why Scots should avoid Stepchange’s Covid Payment Plan 25th October 2020
  • Are Scots now on the Financial Precipice of this Crisis? 21st October 2020
  • Should Students bring their Tenancies to an End? 27th September 2020
  • Last Minute Deal to Save Glasgow Advice Agencies 3rd September 2020

What is a Guarantor Loan?

https://www.youtube.com/watch?v=OnHrzjPlzkA

Funeral Support Payments

https://www.youtube.com/watch?v=D36dwFMJWXA

© 2020 Alan McIntosh

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