Knowledge Hub

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Council tax Can You Get A Council Tax Discretionary Reduction? Not in the form most guidance describes. The reduction those pages point at is an England and Wales power with no Scottish counterpart. What can bring a bill down here. Updated 30 Aug 2026 Read
Debt solutions Can You Get A Mortgage After A Trust Deed? Nothing in Scots law stops you. There is no statutory waiting period and no restrictions order after a trust deed, so the obstacle is commercial, not legal. Updated 30 Aug 2026 Read
Earnings arrestments Can You Get A Mortgage With A Wage Arrestment? There is no legal bar, and an arrestment is on no credit file anywhere. Where it counts against you is affordability, because the money goes before you see it. Updated 30 Aug 2026 Read
Earnings arrestments Can You Get A Refund If Your Employer Over-Deducted? Yes, where the money was wrongly taken. Section 57(5) makes the excess recoverable from the creditor with interest, and a sheriff can order up to twice that amount. Updated 30 Aug 2026 Read
Debt solutions Can You Get A Trust Deed If You Are Self-Employed? Yes. Section 164(1) of the Bankruptcy (Scotland) Act 2016 lets any living individual grant one, sole traders included. What it means for your van and tools. Updated 30 Aug 2026 Read
Earnings arrestments Can You Get A Wage Arrestment Without Going To Court? Yes. Council tax arrears are enforced under a summary warrant, granted on the council's application with no hearing, so you never attend and never contest it. Updated 30 Aug 2026 Read
Council tax Can You Get Council Tax Backdated If You Were Wrongly Charged? Yes. No statutory maximum backdating period applies to a council tax discount, exemption or disabled band reduction in Scotland, and it runs from the qualifying date. Updated 30 Aug 2026 Read
Debt solutions Can You Get Credit Or Borrow Money During A Trust Deed? Legally, yes. No criminal offence applies, because the credit offence in the Bankruptcy (Scotland) Act 2016 is aimed at sequestration rather than a trust deed. Updated 30 Aug 2026 Read
Council tax Can You Get Your Council Tax Instalments Reinstated? You can ask, but it is the council's discretion rather than a right, and what you are requesting is a fresh arrangement. How to put the request together. Updated 30 Aug 2026 Read
Council tax Can You Go To Prison For Council Tax Arrears In Scotland? No. Scotland has no committal power for council tax, unlike England and Wales, so arrears cannot lead to prison. See what the council can do instead. Updated 30 Aug 2026 Read
Earnings arrestments Can You Have More Than One Wage Arrestment At The Same Time? Only one diligence against earnings can run against the same job in Scotland. See what a second creditor has to do instead, and what two jobs mean. Updated 30 Aug 2026 Read
Debt solutions Can You Include Council Tax In A Trust Deed? Yes. Arrears from before you grant the deed go in with your other unsecured debts, and once it is protected section 173 ends an existing earnings arrestment. Updated 30 Aug 2026 Read
Stopping a wage arrestment Can You Negotiate A Payment Arrangement Instead Of A Wage Arrestment? Negotiating an arrangement is a timing question. See when creditors will still deal, what they want to see, and which routes work once they have said no. Updated 30 Aug 2026 Read
Stopping a wage arrestment Can You Stop A Wage Arrestment By Changing Jobs? Leaving ends the arrestment on that job under section 47(2) of the 1987 Act, but not the debt. A fresh schedule can be served on your new employer instead. Updated 30 Aug 2026 Read
Debt solutions Can You Use A Statutory Moratorium More Than Once? Yes, but not twice in the same year. One moratorium per rolling 12 months, each lasting up to six months, with a narrow exception for some former joint DAS applicants. Updated 30 Aug 2026 Read
Earnings arrestments Can Your Employer Charge A Fee For Processing A Wage Arrestment? Yes, up to £1.00 each time a deduction is paid over. Section 71 of the 1987 Act allows it and the figure has been £1.00 since 5 April 2006. It does not reduce your debt. Updated 30 Aug 2026 Read
Earnings arrestments Can Your Employer Sack You For Having A Wage Arrestment? No Scottish law allows dismissal for having a wage arrestment. See the protection you actually have, what payroll must do, and where regulated jobs differ. Updated 30 Aug 2026 Read
Council tax Do Council Tax Arrears Show On Your Credit Report? No. Scottish councils do not report council tax to credit reference agencies, and a summary warrant is not a court decree, so it stays off your file too. Updated 30 Aug 2026 Read
Council tax Do Tenants Pay Council Tax In A House In Multiple Occupation? No. In a council tax HMO the owner is liable and residents have none at all, under section 76(1) of the 1992 Act. What to do if you have been billed instead. Updated 30 Aug 2026 Read
Earnings arrestments Do The Wage Arrestment Tables Change Every April? No. The tables in force came in on 6 April 2025 and no April 2026 uprating was made, so those figures still apply. See why a deduction can rise anyway. Updated 30 Aug 2026 Read
Earnings arrestments Do You Get A Warning Before A Wage Arrestment Starts? One warning is required by law: a debt advice and information package given no earlier than 12 weeks before the schedule reaches your employer. Updated 30 Aug 2026 Read
Council tax Do You Get Taken To Court For A Summary Warrant? No. Paragraph 2(2) of Schedule 8 says the sheriff shall grant the warrant on the council's certificate, so there is no hearing, no citation and no court date. Updated 30 Aug 2026 Read
Debt solutions Do You Have To Be Insolvent To Use The Debt Arrangement Scheme? No. There is no insolvency test in the Debt Arrangement Scheme and nothing in the 2011 Regulations imposes one. It is built on being able to pay something. Updated 30 Aug 2026 Read
Debt solutions Do You Have To Live In Scotland To Get A Trust Deed? Not on the day you sign. Section 164(1A) asks whether you were habitually resident in Scotland at any point in the year before the deed is granted. Updated 30 Aug 2026 Read