Our Services
Debt Management   - We'll come up with a debt management solution based on your individual circumstances.
Debt Consolidation  - Our experts can guide you through the range of debt consolidation options available.
Debt Help  - Kensington Financial Management Consultants are experts in providing debt help.
IVAs  - If you have a significant debt problem, you may be eligible to begin a legal process known as an IVA.
Trust Deeds  - A Trust Deed can lead to a significant proportion of your debt being written off.
Bankruptcy  - A Debt Management Plan, IVA or Debt Consolidation should always be considered before Bankruptcy.
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What is a Trust Deed? ( Scotland Only)


  • A legal process for residents of Scotland with a significant debt problem - (normally over £10,000).
  • On agreement your creditors accept a reduced offer of repayment in full and final settlement of their debt.
  • Payments are normally only made for a 3 year period, following which the remainder of your debt is written off.
  • All interest and charges on your account are frozen.
  • Your account is administered by a fully qualified, licensed insolvency practitioner, who takes responsibility for liaising with your creditors and distributing funds on your behalf.
  • We can perform a confidential review of your circumstances to see whether you are eligible.
For further information on a Trust Deed or other insolvency services please do not hesitate in contacting us on freephone 0800 096 4409

Trust Deed Definition: A Trust Deed is a formal legally binding agreement between an individual who is unable to pay their creditors and a licensed Insolvency Practitioner (the Trustee). The Trustee will put together a form of proposals to the Creditors for approval and administer the Trust Deed. A Trust Deed is a form of informal bankruptcy and is regulated by The Bankruptcy (Scotland) Act 1985. The individual must be resident in Scotland.

NOTE:
A TRUST DEED CAN LEAD TO A SIGNIFICANT PROPORTION OF YOUR DEBT BEING WRITTEN OFF
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