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how does DMP differ in Scotland
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shelovestobuystuff
Posts: 2,710 Forumite
in Scotland
Anyone in scotland on a debt management programme?I have been on the DFW board talking about how to manage big debts and the vast majority think I should go for a DMP.I think that DMP,s are very different in Scotland than in the rest of the country though and wonde rif anyone can confirm this.I have the understanding that in Scotland you cannot have debt written off like in the rest of the country and that creditors can have you forced to sell the house to pay them even if the debt is not secured and even after entering into a sort of DMP.
Scottish law basically makes sure that you repay what you owe and I think that is right.I dont want to try to get out of paying what we owe like the other UK law allows,we have had the goods or sevices and must pay for them whatever it takes.I just wanted to get clarification on the scottish DMP equivalent.
Is my understanding of the differences between DMP in scotland and the rest of the UK correct?
Scottish law basically makes sure that you repay what you owe and I think that is right.I dont want to try to get out of paying what we owe like the other UK law allows,we have had the goods or sevices and must pay for them whatever it takes.I just wanted to get clarification on the scottish DMP equivalent.
Is my understanding of the differences between DMP in scotland and the rest of the UK correct?
"Reaching out to touch the stars dont forget the flowers at your feet".
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Comments
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I'm not sure that a DMP is different but why not try these people.
http://www.nationaldebtline.co.uk/scotland/0 -
In Scotland its the DAS(debt arrangement scheme) & has to be done through a acredited money advisor.HTHI am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
Try your local CAB for more advice0
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Trading Standards also helpful believe it or not (not sure why they have anything to do with debt but a friend went there & got good advice)0
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