Publication - FOI/EIR release

Data on Trust Deeds, Sequestration & Debt Arrangement Schemes: FOI release

Published: 9 Apr 2021

Information request and response under the Freedom of Information (Scotland) Act 2002

Published:
9 Apr 2021
Data on Trust Deeds, Sequestration & Debt Arrangement Schemes: FOI release
FOI reference: FOI/202100140901
Date received: 20 Jan 2021
Date responded: 17 Feb 2021
Information requested

1. The average payment per month in a, Trust Deed, Sequestration & Debt Arrangement Scheme made by a debtor.
2. Total number of Trust Deeds, Sequestration and Debt Arrangement Scheme per Trustee/Company signed for the years:
(i) 1st January 2019 to 31 December 2019
(ii) 1st January 2020 to 31st December 2020.
3. Average debt level per Trust Deed, Sequestration and Debt Arrangement Scheme.
4. How many Trust Deeds & Sequestrations & DAS have been granted / awarded with a debt level between £5,000 and £8,000 since January 2020.
5. The number of Trust Deeds, Sequestration and DAS cases signed between 1st January 2019 and 31st December 2020 with a payment lower than £149 per month.

Response

1. The median approximate monthly payment for each of the statutory debt solutions are included in Table 1 (below), Information is based on the protected date for a Protected Trust Deed (PTD), the awarded date for bankruptcies, and the approved date for Debt Payment Programmes (DPPs) under the Debt Arrangement Scheme (DAS). Data is included for the calendar years 2019 and 2020.

Table 1: Median approximately monthly payment by statutory debt solution and year of protected/approved date: Scotland, annual data (calendar year), since 2019 (1,2)
 

Statutory debt solution

2019 (£)

2020 (£)

 

 

 

Bankruptcy: Full Administration (3)

130

130

Bankruptcy: Creditor Petition (3)

230

190

Protected trust deed

140

140

Debt Arrangement Scheme

220

200

 

 

 

1) Bankruptcy information is based on relevant Debtor Contribution Order.  Protected trust deed information is based on latest (actual payment) Form 4 as at July 2020. Note only the total number of contribution ingathered and total realisation from contributions are available. It is not within AiB's remit to collect further information, including the frequency of contribution ingathered. Therefore, while care has been taken to ensure the PTD figure presented here is accurate as much as possible, caution is needed when interpreting this figure. Debt Arrangement Scheme information is based on eDEN administrative system for approved cases.

2) Figures rounded to nearest £10.

3) Figures are based on the original Debtor Contribution Orders, where contribution is set at more than £0. If zero contributions are included, then the median payment is £0. Variations are excluded from this table.

2.   (i) 1st January 2019 to 31 December 2019

      (ii) 1st January 2020 to 31st December 2020.

The total number of Trust Deeds protected, bankruptcies awarded and DPPs under the DAS approved by Trustee/Money adviser organisation for the calendar years 2019 and 2020 are included in Tables 2.1, 2.2 and 2.3 (below). Information is based on the protected date for a PTD, the awarded date for bankruptcies, and the approved date for DPPs under the DAS.

It should be noted that Minimal Asset Process (MAP) bankruptcies have been excluded from this table as The Accountant in Bankruptcy must act as the trustee in all MAP cases. There were 2,123 and 1,585 MAP bankruptcies in 2019 and 2020 respectively.

Table 2.1: Bankruptcies awarded (excluding MAP) by trustee organisations : Scotland, annual data (calendar year), since 2019 (1,2,3,4)
 

Trustee Organisation

Bankruptcies awarded

 

 

2019

 

 

 

Accountant in Bankruptcy

1,952

KPMG

109

Azets

80

Wylie & Bisset

69

Begbies Traynor

60

Grant Thornton UK

52

AMI Financial Solutions

51

Condies Business Recovery

40

BDO

34

Johnston Carmichael

34

Thomson Cooper

29

 

 

Other

214

 

 

Total bankruptcies awarded (exc. MAP)

2,724

 

 

 

 

2020

 

 

 

Accountant in Bankruptcy

898

Begbies Traynor

67

Azets

33

Wylie & Bisset

33

KPMG

32

Wilson Andrews

32

Condies Business Recovery and Insolvency

30

Other

184

 

 

Total bankruptcies awarded (exc. MAP)

1,309

 

 

1) Displaying organisations with 25 or more bankruptcy cases.
2) Bankruptcy awarded based on the calendar year of awarded date.
3) Figures presented here may not be consistent with the official, headline statistics publication. These tables on based on data extracted from live databases at a different point in time. The headline statistics are the definitive source on the number of awards of bankruptcy.
4) The Accountant in Bankruptcy must act as trustee in all Minimal Asset Process (MAP) cases. There were 2,123 and 1,585 MAPs awarded in 2019 and 2020 respectively.
 

Table 2.2: Trust deeds protected by organisation: Scotland, annual data (calendar year), since 2019 (1, 2, 3)

Trustee Organisation

Trust deeds

protected

 

 

2019

 

 

 

Carrington Dean

3,327

Harper McDermott

1,758

Campbell Wallace Fraser

1,157

Wilson Andrews

673

KPMG

671

Campbell Dallas

228

Wylie & Bisset

208

Hanover Insolvency

187

Begbies Traynor

129

William Duncan

109

Payplan Scotland

85

J3 Debt Solutions

83

AGT Insolvency

35

KLM Chartered Accountants-Insolvency Practitioners

25

 

 

Other

90

 

 

Total trust deeds protected

8,765

 

 

2020

 

 

 

Carrington Dean

2,025

Harper McDermott

1,565

Wilson Andrews

701

Campbell Wallace Fraser

646

KPMG

344

AGT Insolvency

214

J3 Debt Solutions

153

Wylie & Bisset

144

Campbell Dallas / Azets

114

Hanover Insolvency

81

Payplan Scotland

73

Begbies Traynor

46

Bingham Associates

26

 

 

Other

44

 

 

Total trust deeds protected

6,176

1) Displaying organisations with 25 or more trust deeds protected.
2) Trust deeds protected based on the calendar year of protected date.
3) 
Figures presented here may not be consistent with the official, headline statistics publication. These tables on based on data extracted from live databases at a different point in time. The headline statistics are the definitive source on the number of protected trust deeds.
 

Table 2.3: Number  of  Debt  Payment   Programmes (DPPs) under  the  Debt Arrangement  Scheme (DAS) approved by money adviser organisations: Scotland, annual data (calendar year), since 2019 (1,2,)

Money adviser organisations

DPPs under the DAS approved

 

 

2019

 

 

 

StepChange Debt Charity Scotland

1,080

Carrington Dean Group

606

KPMG

173

Harper McDermott

144

Gregory Pennington (Wilson Andrews)

116

Citizens Advice & Rights Fife

74

North Lanarkshire Council

68

Campbell Dallas

66

South Lanarkshire Council - Money Matters

Advice Service

61

Murray Stewart Fraser

59

The Moray Council

53

Begbies Traynor Central

35

Hamilton CAB

31

Perth CAB

28

 

 

Other

313

 

 

Total DPPs under the DAS approved

2,907

 

 

 

 

2020

 

 

 

Carrington Dean

1,500

StepChange Debt Charity Scotland

568

Harper McDermott

446

J3 Debt Solutions

166

Gregory Pennington (Wilson Andrews)

147

KPMG

127

Begbies Traynor Central

58

Azets Debt Solutions

45

Citizens Advice & Rights Fife

41

Wylie & Bisset

33

The Moray Council

30

South Lanarkshire Council - Money Matters

Advice Service

28

 

 

Other

265

 

 

Total DPPs under the DAS approved

3,454

1) Displaying money adviser organisations with 25 or more DAS cases approved. 
2) DAS
approved based on the calendar year of approved date. 
3)  
Figures presented here may not be consistent with the official, headline statistics publication. These tables on based on data extracted from live databases at a different point in time. The headline statistics are the definitive source on the number of Debt Payment Programmes under the Debt Arrangement Scheme. 

3. The median debt level for each of the statutory debt solutions are included in Table 3 (below), Information is based on the protected date for a PTD, the awarded date for bankruptcies, and the approved date for DPPs under the DAS. Data is included for the calendar years 2019 and 2020 and figures are rounded to the nearest £100.
 

Table 3: Median debt level by statutory debt solution and year of awarded/protected/approved date: Scotland, annual data (calendar year), since 2019 (1,2)

Statutory debt solution

2019 (£)

2020 (£)

 

 

 

Bankruptcy (MAP and FA)

14,100

14,800

Minimal Asset Process (MAP)

9,600

10,800

Full Administration (FA)

25,000

28,500

 

 

 

Protected trust deed

15,400

16,400

Debt Arrangement Scheme

16,100

15,000

1)  Bankruptcy information based on debtor application form for bankruptcy awarded in calendar years. AiB does not have readily available information on debt levels in creditor petitions.   PTD information is based on Form 3 for PTDs protected in calendar years.  Debt Arrangement Scheme information is based on eDEN administrative system for cases in approved calendar years.
2) 
Figures rounded to nearest £100.

4. The number of cases for each statutory debt solution with debt levels between £5,000 and £8,000 are included in Table 4 (below). Information is based on the protected date for a PTD, the awarded date for bankruptcies, and the approved date for DPPs under the DAS.
 

Table 4: Number of cases with debt level between £5,000 and £8,000 by statutory debt

solutions: Scotland, annual data (calendar year), 2020 only (1)

Statutory debt solution

Statutory debt solution

 

 

Bankruptcy (MAP and FA)

Bankruptcy (MAP and FA)

Minimal Asset Process (MAP)

322

Full Administration (FA)

12

 

 

Protected trust deed

602

Debt Arrangement Scheme

497

1)  Bankruptcy information based on debtor application form for bankruptcy awarded in calendar years. AiB does not have readily available information on debt levels in creditor petitions. PTD information is based on Form 3 for PTDs protected in calendar years. Debt Arrangement Scheme information is based on eDEN administrative system for cases approved in calendar years.

5The number of cases for each statutory debt solution with approximate payment of lower than £149 for the calendar years 2019 and 2020 are included in Table 5 (below). Information is based on the protected date for a PTD, the awarded date for bankruptcies, and the approved date for DPPs under the DAS. 
Note that the 2020 figure for PTD is based on the completed Form 4 once each year until a PTD is concluded. The figure is lower than the 2019 figure because not all trust deeds protected in 2020 have completed the first year as yet. Therefore, caution is needed when interpreting this figure.
 

Table 5: Number of cases with approximately payment lower than £149: Scotland, annual data (calendar year), since 2019 (1)

Statutory debt solution

2019

 

 

Bankruptcy: Full Administration (3)

1,524

Bankruptcy: Creditor Petition (3)

515

Protected trust deed (2)

5,287

Debt Arrangement Scheme

818

1. Bankruptcy information is based on relevant Debtor Contribution Order.
Protected trust deed information is based on latest (actual payment) Form 4 as at December 2020. Note only the total number of contribution ingathered and total realisation from contributions are available. It is not within AiB's remit to collect further information, including the frequency of contribution ingathered. Therefore, while care has been taken to ensure the PTD figure presented here is accurate as much as possible, caution is needed when interpreting this figure.  Debt Arrangement Scheme information is based on eDEN administrative system for approved cases.
2. Note that the figures are based on the completed Form 4. So, the 2020 figure is low as expected because not all trust deeds protected in 2020 have completed the first year.
3. Figures are based on the original Debtor Contribution Orders, where contribution is set at least £0. This is different from Table 1 within this Excel file.  

​​​​​​​Variations are excluded from this table.

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