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Scottish Debt Solutions

The legal system in Scotland is different to that in England and Wales. Scots law is affected by both English and European law, but is different is several key areas, including some debt legislation.

If you’re living in Scotland, then you will have different options when it comes to dealing with debt.

Scottish residents have access to the same lending and organisations as the rest of the UK, and that lending is still governed by the Consumer Credit Act, but the Insolvency Act 1986 has no jurisdiction in Scotland.

The two debt solutions which are available to people living in Scotland are a Debt Arrangement Scheme, which is broadly comparable to debt management, or Sequestration, which replaces bankruptcy.

A flag with scottish debt solutions

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In situations where you may have been struggling to meet debt repayments and have missed payment deadlines the company with whom you took out the debt will often sell it on to a third party who will then, using a variety of techniques, chase you for the outstanding amounts.

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“Freed from over £70,000 of debt in just 1 year! The whole process was easy… Galahad & Co. gave me the chance to finally be debt free.
A huge relief.” – Angela Kelly

"Galahad & Co. gave me the chance to finally be debt free. A huge relief.”

“We in debt are vulnerable. Galahad & Co. put an end to years of stress and sleepless nights with creditors looming over me.
Excellent and very personal service. Recommend them heartily!” – Raheela Salim

“We in debt are vulnerable. Galahad & Co. put an end to years of stress and sleepless nights with creditors looming over me."

“I cannot explain the deep relief you feel when your debt has disappeared.
There are no real words to say thank you when you have been set free.” – Susan Yeo

"There are no real words to say thank you when you have been set free.”

“I’m so glad I found Galahad & Co.! For 15 years I was struggling in debt management and going nowhere.
Thanks to Galahad & Co., I was completely freed from over £250,000 of debt in just one year!” – Luke Thomas

"Thanks to Galahad & Co., I was completely freed from over £250,000 of debt in just one year!"

“This changed my life! Galahad & Co. sorted all my debts and gave me back my life. I’ll be forever grateful.” – Mrs Thomas

Galahad & Co. sorted all my debts and gave me back my life. I’ll be forever grateful.

Get help with all the UK’s biggest creditors

We can help you challenge the claims made by debt collectors, banks and credit card companies