A classic example of the poor advice that debtors in Scotland are being provided by private debt management companies. After highlighting that Anderston in Glasgow has the highest level of personal debt in Scotland, with one in five adults having over £15,000 of debt (questionable source), they suggest that people consider an Individual Voluntary Arrangement (IVA). IVAs are an English law remedy and are not available to debtors in Scotland!

This only demonstrates that despite their fancy adverts and plush offices these firms have very little knowledge of Scots Law or what is in Scottish Debtor's best interests.

People interested in sorting their debt would be best advised contacting their local Citizen Advice Bureau or Council for money advice. The office's may not be as plush as those of firms like Debt Free Direct, but at the least the advice is correct!