Scottish and English debt laws are different, so if you are a Scottish resident and have questions on debt, then this is the place to post.

Moderators: TalbotWoods, JaneClack

By wdm
#163134 Pretty high.

Most TD's go through because the banks don't get around to responding in time and because they get a far higher return in a TD than they would in a bankruptcy.
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By icewhite
#163188 mine was accepted at less than that, BOS were also one of my creditors.

good luck :D