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OR CONTACT US ONLINE HERE

Take your first steps to debt freedom
with BacktoBlack...

STEP 1:  tell us about your debts...

Fill in your details, and take the next step...

OK, good. You’re well on your way
BacktoBlack. Now for the next step...

STEP 2:  your employment status...

  • EMPLOYED
  • SELF-EMPLOYED
  • UNEMPLOYED
  • PENSION
  • STATE
    BENEFIT
  • OTHER
Fill in your details, and take the next step...

Nice! Now that wasn't so hard,
was it? Step 3 coming right up...

STEP 3:  you and your home...

  • OWN
  • RENT
  • ENGLAND
  • SCOTLAND
  • WALES
  • NORTHERN
    IRELAND
Fill in your details, and take the next step...

We're almost there!
Step 4 is not so bad either...

STEP 4:  what is your credit rating...

  • EXCELLENT
  • GOOD
  • FAIR
  • POOR
  • VERY POOR
  • I DON'T
    KNOW
Fill in your details, and take the next step...

How easy was that?! All we need to know
now is how we get in touch with you..

STEP 5:  how should we contact you...

MY NAME & SURNAME
MY PHONE NUMBER
MY PREFERRED TIME
MY EMAIL ADDRESS

I consent to BacktoBlack collecting and storing my data from this form and using it in line with their Privacy Policy

Yes, I give you my consent
No.

Fill in your details, and take the next step...

Now press that send button, and you
could be on your way to debt freedom...

OK, GREAT!

...we’ll be in touch soon to discuss
your options, and help get you on
your way to Debt Freedom.


Get in touch with us at BacktoBlack...
Hey there!

We welcome any comments or questions you may have
for us. Or, if you have something you’d like to ask,
well we’d also really be delighted to hear from you.
Just send us your details below and we’ll be in touch...


CHEERS!

...thanks for the mail.
If you’ve asked us something,
we’ll be in touch soon.

Whether it’s unpaid council tax
or multiple credit cards, (or both
for that matter), unpaid debt

can become a living nightmare.

We get it. We’ve been there.

And it’s not fun. So if you’re struggling big time with problem debt,
we probably have a solution to your problems. From an IVA in
England, to the Scottish equivalent Trust Deed... read on and we
could help you on your way to Debt Freedom...


Trust Deed

A Trust Deed is a voluntary, legally binding
agreement between you and your creditors,
only available in Scotland. In this way, it’s
the closest thing to an Individual Voluntary
Agreement
(IVA), which you can get if you
live in England, Wales or Northern Ireland.
As it’s a legal process, it’s a secure way to
sort out your debts and potentially write off
unmanageable arrears.

The way it works is, you agree an affordable
monthly contribution to repay some or all of
your debt, usually over 48 months (4 years).
Once you’ve made all your payments, any
remaining unsecured debts are normally written
off. You’ll know how much this will be upfront.

You can only get a Trust Deed if your unsecured
debts are over £8,000 (and if you’ve lived in
Scotland for at least 6 months).



WE CAN HELP YOU EVERY STEP
OF THE WAY

A special bank account is set up for your
Trust Deed. Your monthly payments go
into this account and it’s all ‘held in trust’
for your creditors.

As you can see from the disadvantages, a
Trust Deed is a form of insolvency (like going
bankrupt). So it can damage your credit rating
and affect your job.



Get BacktoBlack. Talk to us today

Or, take your first steps to debt freedom
with our online form

TRUST DEED:
Advantages

  • YOU MAY BE ABLE TO WRITE OFF UP TO 80% OF YOUR DEBT
  • AVOIDS THE EXPENSE, FORMALITY AND STIGMA OF BANKRUPTCY
  • INTEREST AND CHARGES ARE FROZEN
  • CONSOLIDATE YOUR DEBTS INTO ONE PAYMENT YOU CAN AFFORD FOR USUALLY 48 MONTHS
  • YOUR REMAINING DEBTS ARE WRITTEN OFF ONCE YOU’VE COMPLETED YOUR PAYMENTS
  • STOPS LETTERS AND CALLS FROM CREDITORS
  • YOU MAY HAVE TO SELL SOME ASSETS BUT IT PROTECTS YOUR HOME AND YOU CAN USUALLY KEEP ONE ESSENTIAL VEHICLE WORTH LESS THAN £3,000

TRUST DEED:
Disadvantages

  • YOUR CREDITORS COULD OBJECT TO YOUR TRUST DEED BECOMING ‘PROTECTED’ IN THE FIRST FEW WEEKS, MEANING THEY COULD STILL TAKE FURTHER ACTION AGAINST YOU
  • A TRUST DEED CAN AFFECT YOUR CREDIT SCORE FOR SIX YEARS, BUT IF YOU DEFAULT ON YOUR ACCOUNT, YOUR TRUST DEED WILL BE SUSPENDED OR TERMINATED AND YOUR CREDIT SCORE WILL BE AFFECTED FOR LONGER
  • YOU MUST STICK TO YOUR BUDGET AND YOU SHOULDN’T BORROW ANY MORE MONEY WHILE YOU HAVE A TRUST DEED
  • ANY EQUITY IN YOUR HOME MUST BE RELEASED TO PAY TO YOUR CREDITORS, OR THE TERM MAY BE EXTENDED SO YOU HAVE TO PAY OFF MORE DEBT
  • IF YOU MISS PAYMENTS, YOU’RE AT RISK OF BANKRUPTCY

Don’t worry, we probably
have a solution to your
debt problems.

Let us tell you about them...

Debt Solutions
A couple examples of how you could write off
up to 80% of your personal debt...
PREVIOUS

Everyone’s situation is different. John lost track of his debts after
a family member passed away and he helped with their funeral costs.
BacktoBlack helped him get back on track...

JOHN’S MOUNTING PROBLEM DEBTS:

Credit Cards: £6,499
Store Cards: £4,250
HMRC: £4,900
TOTAL DEBTS: £15,599

JOHN’S IVA APPROVED THROUGH BacktoBlack:

TOTAL DEBT
WRITTEN OFF:
£9,599
NEW DEBT TOTAL: £6,000
PREVIOUS
MONTHLY DEBT
PAYMENT:
£

BEFORE
TAKING STEPS
TOWARDS DEBT
FREEDOM

NEW
MONTHLY DEBT
PAYMENT:
£

61%
OF DEBT
WRITTEN OFF*

...and he’s now on his way BacktoBlack :)

* This example is based on a 60 month DMP and a minimum payment rate of 2.5%.
It is for illustration purposes only. Your results will vary based on your unique financial situation.

Everyone’s situation is different. Jean was in over her head with
debt after a big reduction in her earnings. She tried to borrow her way out
of trouble, but it didn’t work. BacktoBlack helped her get back on track...

WE HELPED
JEAN WITH HER
MOUNTING DEBTS:

Credit Cards: £20,000
Car Shortfall: £6,000
Personal Loans: £4,000
Payday Loans: £2,250
TOTAL DEBTS: £32,250
TOTAL DEBT
WRITTEN OFF:
£25,000
NEW DEBT TOTAL: £7,248
PREVIOUS
MONTHLY DEBT
PAYMENT:
£

BEFORE JEAN’S
TRUST DEED WAS
APPROVED THROUGH
BacktoBlack

NEW
MONTHLY DEBT
PAYMENT:
£

77%
OF DEBT
WRITTEN OFF*

...and she’s now on her way BacktoBlack :)

* This example is based on a 48 month Trust Deed and a minimum payment rate of 2.5%.
It is for illustration purposes only. Your results will vary based on your unique financial situation.

NEXT

“Our super-friendly
team of experts
can help you
on your way to
debt freedom.



Talk to us today
We're with you all the way

Nice to meet you

Click below and we’ll tell you a little bit
more about us. Our story is based around
our experience with problem debt.
Find out why we enjoy what we do here at
BacktoBlack, what makes us tick, and how we
can help you change your life for the better!

FIND OUT MORE ABOUT US
All the gobbledegook explained (we hope!)

Not sure what’s what?

Don’t worry, we know how you feel.
All these fancy debt words are hard to keep
track of. So to make things easier for you, we’ve
put together a BacktoBlack Debtionary to help
explain the jargon! That way you’ll be up to speed
in no time at all, and ready for that pub quiz.

TAKE ME TO KNOWLEDGE CENTRAL

Are your finances
in the red?



Is your
personal debt bubble
about to burst?

LET US HELP YOU
BEFORE IT DOES
Are your finances in the red?

Are your finances in the red?



Is your
personal debt bubble
about to burst?

LET US HELP YOU
BEFORE IT DOES

Talk to us.
And take that first step
to debt freedom...


CLOSE

CALL BacktoBlack TODAY ON:

0141 380 0221

...and talk to one of our super~friendly team of debt experts.

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