Knowledge Hub
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- Debt solutions Do You Have To Tell Your Employer About Your Trust Deed? In most jobs, no. Part 14 of the Bankruptcy (Scotland) Act 2016 places no duty on you to notify an employer. Any duty comes from your contract or profession. Updated 30 Aug 2026 Read
- Council tax Do You Pay Council Tax On A Second Home In Scotland? Yes, and since 1 April 2024 a council can add a premium on top of the full charge. From 1 April 2026 there is no statutory maximum, and 100% is a default not a ceiling. Updated 30 Aug 2026 Read
- Earnings arrestments Does A Bonus Affect How Much A Wage Arrestment Takes? Yes. A bonus is part of your net earnings for that period, so the deduction is worked out on the higher figure and can jump a band. The next payslip is normal again. Updated 30 Aug 2026 Read
- Debt solutions Does A Debt Arrangement Scheme Show On Your Credit File? Two answers. A Debt Payment Programme is on the DAS Register, which anyone can search free, and what reaches your credit file is how creditors report the accounts. Updated 30 Aug 2026 Read
- Stopping a wage arrestment Does A Debt Arrangement Scheme Stop A Wage Arrestment? Approval of a Debt Payment Programme recalls an existing earnings arrestment. See what protects you while you wait, and how a DPP payment compares. Updated 30 Aug 2026 Read
- Earnings arrestments Does A New Employer Have To Continue A Wage Arrestment? No. An earnings arrestment binds only the employer it was served on, so a new employer deducts nothing until a fresh schedule arrives. What follows you and what does not. Updated 30 Aug 2026 Read
- Council tax Does A Summary Warrant Show On Your Credit File? No. Councils send no account data to the credit reference agencies, Registry Trust does not record summary warrants, and a warrant cannot found an inhibition. Updated 30 Aug 2026 Read
- Debt solutions Does A Trust Deed Stop A Bank Arrestment In Scotland? Not the way it stops a wage arrestment. Section 173 ends an earnings arrestment on the date of protection, and Part 14 has no equivalent for your bank account. Updated 30 Aug 2026 Read
- Stopping a wage arrestment Does A Trust Deed Stop A Wage Arrestment? A protected trust deed stops an earnings arrestment on the date of protection, not the day you sign. See what covers the gap and what happens if protection fails. Updated 30 Aug 2026 Read
- Earnings arrestments Does A Wage Arrestment Affect Self-Employed People? A schedule is served on an employer, and someone genuinely self-employed has none. That does not put you out of reach, and here is what a creditor uses instead. Updated 30 Aug 2026 Read
- Earnings arrestments Does A Wage Arrestment Affect Your Ability To Get A Bank Account? No. Nine of the largest banks must offer a basic bank account to any UK resident without one, and a poor credit record or an arrestment is not a ground to refuse. Updated 30 Aug 2026 Read
- Earnings arrestments Does A Wage Arrestment Affect Your Credit Score? No. An earnings arrestment is not reported to Experian, Equifax or TransUnion. See which entry behind it a lender does see, and how long each one lasts. Updated 30 Aug 2026 Read
- Earnings arrestments Does A Wage Arrestment Expire If The Debt Is Not Paid Off? No. Under section 47(2) of the Debtors (Scotland) Act 1987 an earnings arrestment runs until the debt is paid or extinguished, the job ends, or it is recalled. Updated 30 Aug 2026 Read
- Earnings arrestments Does A Wage Arrestment Show On Your Payslip? It comes off the pay for that period, but the law fixes the calculation rather than the wording. What to ask payroll and how to check the amount taken is right. Updated 30 Aug 2026 Read
- Stopping a wage arrestment Does Bankruptcy Stop A Wage Arrestment In Scotland? Yes. Section 72(2) of the Debtors (Scotland) Act 1987 ends an earnings arrestment on the date of sequestration, automatically, with no application to court. Updated 30 Aug 2026 Read
- Stopping a wage arrestment Does Council Tax Reduction Stop A Wage Arrestment? No. An award cuts your liability going forward and leaves a running arrestment untouched, because the deduction is enforcing a debt that already exists. Updated 30 Aug 2026 Read
- Council tax Does Moving House Clear Your Council Tax Arrears? No. Liability is fixed day by day under section 75 of the Local Government Finance Act 1992, so moving stops new charges but the old arrears stay in your name. Updated 30 Aug 2026 Read
- Earnings arrestments Does Overtime Increase Your Wage Arrestment Deduction? Yes. The sum is worked out afresh from each period's net earnings, so an overtime month takes more, and only that month. Bonuses work the same way. Updated 30 Aug 2026 Read
- Debt solutions How Are Trust Deed Monthly Payments Calculated? Your payment is the whole of your surplus income, meaning total income less the expenditure your trustee allows. Section 168(5) applies all of it to creditors. Updated 30 Aug 2026 Read
- Earnings arrestments How Are Zero-Hours Workers Affected By A Wage Arrestment? The deduction is worked out afresh from your actual net earnings every pay period, so it rises and falls with your hours. Nothing is averaged, smoothed or carried over. Updated 30 Aug 2026 Read
- Debt solutions How Do Trust Deed Payment Instructions To Employers Work? Section 174 of the Bankruptcy (Scotland) Act 2016 lets your trustee have contributions deducted at source after two missed payments. It is not a wage arrestment. Updated 30 Aug 2026 Read
- Debt solutions How Do You Apply For A Trust Deed In Scotland? You do not apply. You grant a trust deed through a licensed insolvency practitioner, and your trustee then registers it with the Accountant in Bankruptcy. Updated 30 Aug 2026 Read
- Debt solutions How Do You Build A Budget When Money Is Taken From Your Wages? Budget from the pay that will actually reach your bank after the deduction, not your usual net pay. Work the arrestment figure out first, then set the bills against it. Updated 30 Aug 2026 Read
- Council tax How Do You Contact Fife Council About Council Tax Arrears? Call the council tax service on 03451 55 11 55 and take option 2, or ask for a telephone or in-person appointment with a Customer Service Advisor. Updated 30 Aug 2026 Read