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Protected Trust Deeds

Comprehensive resources for understanding and managing protected trust deeds in Scotland, including accessibility standards, online case management system ASTRA, PTD Protocol, and PTD working group information.

Moratorium

Details on moratorium application process, including how to apply, application guidance, and information for creditors. Also includes discussions on Mental Health Moratorium in Scotland.

ASTRA

Common Financial Tool

Explore the Common Financial Tool (CFT) used to assess household income and expenditure for setting a contribution in all statutory debt solutions.

Common Financial Statement (CFS)

The Common Financial Statement (CFS) is a budgeting tool for advice agencies to make debt repayment offers. Discover the use of trigger figures and CFS authorisation process.

Review of Scotland’s statutory debt solutions

Explore the comprehensive review of Scotland's statutory debt solutions, including open consultations and reviews.

Mental Health Moratorium

Scottish Mental Health Moratorium aims to protect individuals with serious mental health conditions from debt enforcement. Supported by stakeholders and formed by a working group of experts, it's based on consultations favoring the initiative.

Review of diligence

Scottish Government consults public on debt solutions and diligence, and proposes a Mental Health Moratorium to protect those with serious mental health issues from debt recovery.