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Trading Standards
Free help and advice is available from South Ayrshire Trading Standards Consumer
and Business Advice Centre - contact South Ayrshire Debt Helpline on 01292 616060
For those in Debt
What is Debt Advice?
People come for help when they can no longer make ends meet. They are often struggling
to pay for essentials like rent, mortgage, electricity or gas. Often when they first
come for advice, they are being threatened with eviction or disconnection of their
fuel supply. Advisors try to lessen the stress of the situation by checking the
client's financial situation and drawing up a programme of reduced payments as a
result of negotiations with creditors.
This enables consumers to manage their financial situation and helps prevent evictions,
repossessions and disconnections. This, in the long term, helps to reduce domestic
and health problems such as stress, alcohol and drug problems.
Case Example: Mr. A. had a mortgage and a secured debt. Both creditors held repossession
decrees against the client's property. A payment arrangement was made to clear off
the arrears on both debts. The client needed help with budgeting to meet this arrangement
because he had an arrestment on his wages. All his other commercial creditors were
encouraged to pursue a conjoined arrestment. This meant that the client would be
able to meet his obligations to his secured creditors, which are always considered
a priority.