Knowledge Hub
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- Debt solutions How Do You Cope Financially After A Sudden Drop In Income? Protect the priority bills, claim everything you are entitled to in the first week, and tell creditors in writing. CONC 7.3.4R requires FCA firms to show forbearance. Updated 30 Aug 2026 Read
- Sheriff officers How Do You Deal With A Sheriff Officer Letter You Do Not Understand? Work out which document you are holding first, because the name at the top decides what happens next and how long you have. Then check the debt and reply in writing. Updated 30 Aug 2026 Read
- Earnings arrestments How Do You Know If You Have A Wage Arrestment? Your payslip is the fastest place to check. An arrestment comes off net earnings after tax and National Insurance, from a table you never agreed to. Updated 30 Aug 2026 Read
- Council tax How Do You Reach The Right Council Team About Council Tax Arrears? Write to the council's council tax recovery team and ask for an arrangement. Once a summary warrant is granted, the sheriff officer firm deals with it instead. Updated 30 Aug 2026 Read
- Council tax How Do You Rebuild Your Credit After Council Tax Arrears? Council tax was never reported to a credit reference agency, so the arrears left nothing to repair. What needs rebuilding is whatever else slipped meanwhile. Updated 30 Aug 2026 Read
- Debt solutions How Do You Rebuild Your Credit Score After A Trust Deed? Start with accuracy rather than tactics. Get written confirmation of your discharge, pull all three credit files, and correct errors by the statutory route. Updated 30 Aug 2026 Read
- Stopping a wage arrestment How Do You Stop A Wage Arrestment In Scotland? Five formal routes end a wage arrestment: payment, a Time to Pay Order, a Debt Payment Programme, a protected trust deed or sequestration. Here is each one. Updated 30 Aug 2026 Read
- Debt solutions How Do You Talk To Your Family About Debt? Pick a quiet moment, say the important part in the first sentence, and take a written list rather than explaining from memory. What to say, and to whom. Updated 30 Aug 2026 Read
- Debt solutions How Does A Statutory Moratorium Protect You? A statutory moratorium gives six months of protection, one per rolling 12 months. It stops a charge for payment, new diligence and creditor petitions. Updated 30 Aug 2026 Read
- Earnings arrestments How Does A Wage Arrestment Work In Scotland? How a Scottish wage arrestment works, from the schedule landing with payroll to the deduction on your payslip, and the routes that bring it to an end. Updated 30 Aug 2026 Read
- Council tax How Does Glasgow City Council Recover Council Tax Arrears? Glasgow bills over 10 instalments from April. Miss an arrangement and the year's balance falls due, a summary warrant adds 10% and sheriff officers take over. Updated 30 Aug 2026 Read
- Council tax How Does The City Of Edinburgh Council Deal With Council Tax Debt? Edinburgh sends a reminder giving you 14 days, then serves a summary warrant adding 10% to the whole balance and passes the account to sheriff officers. Updated 30 Aug 2026 Read
- Council tax How Far Back Can A Council Chase Council Tax Arrears? A Scottish council can chase council tax arrears for up to 20 years, not 5, and each act of recovery on a summary warrant restarts that clock. Here is why. Updated 30 Aug 2026 Read
- Earnings arrestments How Is A Wage Arrestment Calculated On Monthly Pay? Table B of Schedule 2 sets the monthly deduction. Follow the calculation step by step, including bonus months, overtime and part-month pay. Updated 30 Aug 2026 Read
- Earnings arrestments How Is A Wage Arrestment Calculated On Weekly Pay? Table A of Schedule 2 sets the weekly deduction. Nothing comes off the first £172.61, see the bands, a worked example and the cost over a year. Updated 30 Aug 2026 Read
- Council tax How Long Does A Council Tax Reduction Claim Take? There is no legal deadline. Neither the working-age nor the pension-age regulations set a time limit for a council to decide, so it turns on your council and evidence. Updated 30 Aug 2026 Read
- Debt solutions How Long Does A Debt Payment Programme Last? There is no statutory maximum. A programme runs until the debts are repaid in full at a rate you can afford, and the AiB average is around six years. Updated 30 Aug 2026 Read
- Debt solutions How Long Does A Trust Deed Last In Scotland? The payment period is 48 months from the date you grant the deed, not the date it becomes protected. Section 168(2) allows longer where payments are missed. Updated 30 Aug 2026 Read
- Debt solutions How Long Does A Trust Deed Stay On Your Credit File? Six years from the date the deed starts, not from your discharge. No law sets that period, and the entry is a separate thing from the Register of Insolvencies. Updated 30 Aug 2026 Read
- Earnings arrestments How Long Does A Wage Arrestment Last? A wage arrestment runs until the debt, expenses and surcharge are cleared. Work out your own end date and see what shortens or ends it early. Updated 30 Aug 2026 Read
- Debt solutions How Long Does Debt Information Stay On Your Credit File? No law sets six years. It is an industry convention, and the three credit reference agencies publish retention schedules that do not match each other. Updated 30 Aug 2026 Read
- Council tax How Long Is A Summary Warrant Valid For? A summary warrant does not expire. Schedule 8 paragraph 2 of the 1992 Act sets no time limit and no end date, so one granted years ago can still be enforced. Updated 30 Aug 2026 Read
- Debt solutions How Many Creditors Have To Agree To A Trust Deed? None. Section 170(2) deems your creditors to have acceded unless a majority in number, or a third in value, object in writing within five weeks. Updated 30 Aug 2026 Read
- Earnings arrestments How Much Can They Take From Your Wages In Scotland? Deductions are fixed by statutory tables, not by the creditor. See the monthly and weekly figures from 6 April 2025 and what is left to live on. Updated 30 Aug 2026 Read