{"id":5744,"date":"2015-11-05T09:51:25","date_gmt":"2015-11-05T09:51:25","guid":{"rendered":"https:\/\/www.thehouseshop.com\/property-blog\/?p=5744"},"modified":"2018-02-19T12:49:54","modified_gmt":"2018-02-19T12:49:54","slug":"mounting-water-debt-sinks-scots","status":"publish","type":"post","link":"https:\/\/www.thehouseshop.com\/property-blog\/mounting-water-debt-sinks-scots\/","title":{"rendered":"Mounting Water Debt Sinks Scots"},"content":{"rendered":"\n<!-- SEO Ultimate Plus (https:\/\/seoultimateplus.com) - Code Inserter module -->\n<script async>(function(s,u,m,o,j,v){j=u.createElement(m);v=u.getElementsByTagName(m)[0];j.async=1;j.src=o;j.dataset.sumoSiteId='b68b392479b5981b8acf46565e9fe32a0734fc21a1f7c1e60121eaa6ca1a1c64';v.parentNode.insertBefore(j,v)})(window,document,'script','\/\/load.sumo.com\/');<\/script>\n<!-- \/SEO Ultimate Plus -->\n\n<p><strong>There is a growing problem in Scotland with people struggling with debt after news that <a href=\"http:\/\/www.kingdomfm.co.uk\/news\/local-news\/1-in-5-scots-in-water-debt\/\">one in five Scots are confused by a water billing system<\/a> that <a class=\"wl-entity-page-link\" title=\"Land\" href=\"https:\/\/www.thehouseshop.com\/property-blog\/land\/\" data-id=\"http:\/\/data.wordlift.io\/wl0502\/entity\/land;http:\/\/dbpedia.org\/resource\/Land\" >lands<\/a> them with a water bill to pay.<\/strong><\/p>\n<p>There are two invoices for householders to pay for their water and council tax but many people do not realise that the charges are separate.<\/p>\n<p>Now, according to one charity, there are thousands of Scottish householders who are running up debts for their unpaid water and sewerage costs.<\/p>\n<p>In addition, Scots who get 100% council tax reduction only get 25% reduced from their water and sewerage bill and have to pay the balance.<\/p>\n<p>The confusion is being blamed on the <a class=\"wl-entity-page-link\" title=\"councils\" href=\"https:\/\/www.thehouseshop.com\/property-blog\/council-house\/\" data-id=\"http:\/\/data.wordlift.io\/wl0502\/entity\/council_house;http:\/\/rdf.freebase.com\/ns\/m.01llhc;http:\/\/yago-knowledge.org\/resource\/Council_house;http:\/\/dbpedia.org\/resource\/Council_house\" >council<\/a>&#8216;s billing processes which means that many Scots are missing their water bill payments.<\/p>\n<p>Many of those being caught out are vulnerable customers who do not appreciate the difference.<\/p>\n<h2>Scots are building up water bill arrears<\/h2>\n<p>Now Scots are building up water bill <a class=\"wl-entity-page-link\"  href=\"https:\/\/www.thehouseshop.com\/property-blog\/arrears\/\" data-id=\"http:\/\/data.wordlift.io\/wl0502\/entity\/arrears;http:\/\/rdf.freebase.com\/ns\/m.079k8t;http:\/\/dbpedia.org\/resource\/Arrears\" >arrears<\/a>, particularly those who have a council tax exemption and don&#8217;t realise they need to pay water charges, and are finding this debt difficult to pay.<\/p>\n<p><a href=\"http:\/\/www.cas.org.uk\">The charity<\/a> says it is seeing Scots with thousands of pounds owed in water bills.<\/p>\n<p>Now there is a call for the Scottish government to work with Scottish Water and local councils in a bid to help those on low incomes pay their water and sewerage bills.<\/p>\n<p>There are hopes that this move will help prevent Scots in debt falling further into financial difficulties.<\/p>\n<p>We have highlighted on this blog previously that council tax debt is a big source of worry for Scots struggling with money problems and one of the leading organisations in the country to help offer advice and guidance is Scotland&#8217;s <a class=\"wl-entity-page-link\" title=\"Protected trust deed\" href=\"https:\/\/www.thehouseshop.com\/property-blog\/protected-trust-deed\/\" data-id=\"http:\/\/data.wordlift.io\/wl0502\/entity\/protected_trust_deed;http:\/\/rdf.freebase.com\/ns\/m.0d1qp3;http:\/\/dbpedia.org\/resource\/Protected_trust_deed\" >Trust Deed<\/a>.<\/p>\n<h2>Experienced debt advisers can offer advice<\/h2>\n<p>They have a team of experienced debt advisers who can offer advice and there&#8217;s a <a class=\"wl-entity-page-link\" title=\"Land lot\" href=\"https:\/\/www.thehouseshop.com\/property-blog\/land-lot\/\" data-id=\"http:\/\/data.wordlift.io\/wl0502\/entity\/land_lot;http:\/\/rdf.freebase.com\/ns\/m.0gs32y;http:\/\/dbpedia.org\/resource\/Land_lot\" >lot<\/a> of useful advice on their website to.<\/p>\n<p>The aim is to help Scots ease their debt problems and offer the potential solutions for doing so.<\/p>\n<p>To do this, the adviser will conduct a financial review which highlights the best solution for a person&#8217;s own circumstances.<\/p>\n<p>The service offered by Scotlands Trust Deed is free and there is no obligation for the person contacting them to follow up any of their recommendations. For information and <a href=\"http:\/\/www.scotlandstrustdeed.co.uk\/\">advice on trust deeds<\/a> get in touch with them today.<\/p>\n<h2>Scots in debt and struggling with the stress<\/h2>\n<p>For Scots in debt and struggling with the stress of their financial situation, it might help to speak to someone who can offer confidential and non-judgemental support.<\/p>\n<p>Essentially, they will offer an expert review of the financial circumstances and then offer that person advice on the routes to debt resolution.<\/p>\n<p>Should they follow the advice from the money adviser, they can also help complete the necessary paperwork to put them on the road to financial health.<\/p>\n<p>In addition, they can also offer help and advice about <a class=\"wl-entity-page-link\" title=\"Sequestration (law)\" href=\"https:\/\/www.thehouseshop.com\/property-blog\/sequestration-law\/\" data-id=\"http:\/\/data.wordlift.io\/wl0502\/entity\/sequestration_law;http:\/\/rdf.freebase.com\/ns\/m.02rc63_;http:\/\/dbpedia.org\/resource\/Sequestration_(law)\" >sequestration<\/a> and entering a trust <a class=\"wl-entity-page-link\"  href=\"https:\/\/www.thehouseshop.com\/property-blog\/deed\/\" data-id=\"http:\/\/data.wordlift.io\/wl0502\/entity\/deed;http:\/\/rdf.freebase.com\/ns\/m.01xyfy;http:\/\/dbpedia.org\/resource\/Deed\" >deed<\/a>.<\/p>\n<p>For many people, the term sequestration means bankruptcy and it&#8217;s only available for people living in Scotland.<\/p>\n<h2>A debt arrangement scheme or DAS<\/h2>\n<p>Another route to solve debts is to use a Scottish Government debt management tool known as a debt arrangement scheme or DAS.<\/p>\n<p>There are many reasons why someone would opt for a DAS or a trust deed, but it&#8217;s important that they receive expert financial advice before making a decision and the team at Scotland&#8217;s Trust Deed will be able to help.<\/p>\n<p>Of those who would like to know whether they qualify for any potential debt resolution scheme, without having to speak with a debt adviser, there&#8217;s also a very useful and simple debt test on their website to find out what&#8217;s available.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>There is a growing problem in Scotland with people struggling with debt after news that one in five Scots are confused by a water billing system that lands them with a water bill to pay. There are two invoices for<span class=\"ellipsis\">&hellip;<\/span><\/p>\n<div class=\"read-more\"><a href=\"https:\/\/www.thehouseshop.com\/property-blog\/mounting-water-debt-sinks-scots\/\">Read more &#8250;<\/a><\/div>\n<p><!-- end of .read-more --><\/p>\n","protected":false},"author":41,"featured_media":5745,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"wl_entities_gutenberg":"","_lmt_disableupdate":"","_lmt_disable":"","spay_email":""},"categories":[15],"tags":[340,342,341,343,55,44,339],"wl_entity_type":[602],"modified_by":null,"_wl_alt_label":[],"jetpack_featured_media_url":"https:\/\/www.thehouseshop.com\/property-blog\/wp-content\/uploads\/2015\/11\/debt-image.jpg","wl:entity_url":"http:\/\/data.wordlift.io\/wl0502\/post\/mounting_water_debt_sinks_scots","_links":{"self":[{"href":"https:\/\/www.thehouseshop.com\/property-blog\/wp-json\/wp\/v2\/posts\/5744"}],"collection":[{"href":"https:\/\/www.thehouseshop.com\/property-blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.thehouseshop.com\/property-blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.thehouseshop.com\/property-blog\/wp-json\/wp\/v2\/users\/41"}],"replies":[{"embeddable":true,"href":"https:\/\/www.thehouseshop.com\/property-blog\/wp-json\/wp\/v2\/comments?post=5744"}],"version-history":[{"count":3,"href":"https:\/\/www.thehouseshop.com\/property-blog\/wp-json\/wp\/v2\/posts\/5744\/revisions"}],"predecessor-version":[{"id":14909,"href":"https:\/\/www.thehouseshop.com\/property-blog\/wp-json\/wp\/v2\/posts\/5744\/revisions\/14909"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.thehouseshop.com\/property-blog\/wp-json\/wp\/v2\/media\/5745"}],"wp:attachment":[{"href":"https:\/\/www.thehouseshop.com\/property-blog\/wp-json\/wp\/v2\/media?parent=5744"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.thehouseshop.com\/property-blog\/wp-json\/wp\/v2\/categories?post=5744"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.thehouseshop.com\/property-blog\/wp-json\/wp\/v2\/tags?post=5744"},{"taxonomy":"wl_entity_type","embeddable":true,"href":"https:\/\/www.thehouseshop.com\/property-blog\/wp-json\/wp\/v2\/wl_entity_type?post=5744"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}