Do you Qualify?


What are the advantages of a debt solution?


There are various types of debt solution available, and each will have their own particular advantages. In general, you should be able to look forward to far less contact from creditors, to having one regular monthly payment, to being able to budget more accurately and, at the end to be able to write off at least some of your debts.


Here at Bluesky Finance, we’re committed to bringing you the best support, the most reliable guidance and the most helpful advice. Ease your stress levels by getting in touch with our friendly team today. We’re looking forward to hearing from you soon on 0141 488 2212.

The easy answer to this is no, because there is no credit blacklist as such. Over the years, this urban myth has become more and more talked about but in fact the blacklist doesn’t exist. Lenders will take various facts into consideration before deciding whether or not to offer credit to you. It doesn’t necessarily follow that if one provider turns you down then others will do the same.

Many people can. Making sure you’re on the electoral register can help, for example. If you make a lot of applications for credit in a short space of time it can reduce your rating, so be careful. If you’re able to, pay at least the minimum amounts on credit card balances each month, and be sure to check your rating on a regular basis.

If you’ve been declared bankrupt, or been the subject of a sequestration in Scotland, there are some bank accounts which won’t be available to you. In many cases, you will have to switch banks or, at the very least, switch from one type of account to another. Ask the team at Bluesky Finance for more information.

In most cases, your creditors will stop contacting you for the duration of a scheme such as an Individual Voluntary Agreement (IVA). Bear in mind that it can still happen, however, although calls and letters are likely to be far less frequent. As a general rule, creditors will usually maintain communication with your appointed trustees or advisors instead.

Debt solution programmes include
Individual Voluntary Agreement (IVA)
Debt Relief Order (DRO)
Trust Deed
Debt Management Plan (DMP)
Debt Arrangement Scheme (DAS)

If you sign up to any debt solution programme, your name will almost certainly be added to the Insolvency Register for a period of time. This is a list that’s made available to individuals and organisations, who will then be able to check your credit suitability. Those who might use it include landlords, credit providers, employers and credit reference agencies.


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Hi, Paul Here. Don’t worry, this won’t take long.

By the time we’re finished you’ll know if there is a solution to help you with your debt.

Lets start with your name

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Thank you .

If you were to estimate your debt level, how much would you say you roughly owe?

Choose your amount of Debt:


OK , so your looking for a solution for around £.

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Just to make you aware, our service is completely free of charge, from information you supply we can advise you on possible solutions in which you can make your own informed decision.

Some of the options we will make you aware of could allow you to write off a large proportion of the debt you owe, so you’ve come to the right place.

How many creditors do you owe money to?

Number of creditors



What kind of creditors do you have?

Types of creditors:
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I really appreciate you giving me this information – it will help in finding you the right solution

How much roughly do you pay towards your debt at the moment?

Employment status:


Thanks. Don't worry, we are nearly finished.

, what part of the country do you live in?



Well, the good news is there is solutions available for you!

Can I have your email address?

Email Address:


And the best phone number to contact you on?

Contact details: