Debt help in Scotland | Trust Deed | DAS | Wilson Andrews

Thinking about using a Wilson Andrews Trust Deed? You need to hear what previous customers have had to say about their experience in our Wilson Andrews Trust Deed review guide. 

Learn more about who they are and how they operate in this post!

Who Are Wilson Andrews?

Wilson Andrews is an insolvency company that helps people get out of debt for a fee or ongoing fees. Despite being based in Manchester, they provide debt solutions exclusive to the Scottish market. People living in Scotland require different debt solutions services than those living in England and Wales. 

After some digging, we found that Wilson Andrews is actually connected to another well-known debt solution provider by the name of Gregory Pennington. They even have the same office address.

The debt solutions on offer at Wilson Andrews includes Sequestration (bankruptcy), Minimal Asset Protection (MAP – a type of bankruptcy in Scotland) and Trust Deed services. 

What Is a Wilson Andrews Trust Deed?

A Wilson Andrews Trust Deed is a service provided to people with £5,000+ debts living in Scotland without the ability to pay back everything they owe within four years. It is an agreement between your creditors to make monthly repayments for a set period. This period is usually four years but it can be shorter or longer. 

It can make debt repayment more affordable and allow you to manage other everyday costs easier, but that isn’t the big benefit of a Trust Deed. The main advantage is that any money you have yet to repay at the end of the repayment term is automatically wiped, leaving you free from debt. 

A Trust Deed is similar to an Individual Voluntary Arrangement (IVA) used in England and Wales.

A Trust Deed with Wilson Andrews is protected, which is another way to say that it has legal weight. If you fail to make the required repayments for no good reason, you could face legal repercussions. But at the same time, your creditors cannot change their mind or refuse to wipe your debt at the end of the Trust Deed. 

Wilson Andrews Trust Deed Reviews and Concerns

When looking for Wilson Andrews reviews and reports from past customers, we found multiple threads about the company on Most of the reports showed concerns for how high their repayments were and that Wilson Andrews had made everyday living unaffordable for their clients:

“My partner started a protected Trust Deed with Wilson Andrews […] My problem is that since we started our Trust Deed we have had no money at all.”


“[I] am also with WA, and have been on protected trust deed for [the] past eight months. I think that payments made are too high, I now refuse to work overtime and struggle to survive each month.”


“I have also got concerns about this company as they have extended my trust deed twice now and raised the payments so much that I have to borrow money off my family.”


“I too am with Wilson Andrews and have raised the same concerns on the forum along with many others….as trust deeds go I definitely chose the wrong company.”


Wilson Andrews must make sure the Trust Deed does not cause financial hardship on families. If it does, the Trust Deed may have not been the right debt solution to use and is a major mistake. We cannot be certain about any of the situations above, but there is some cause for concern here. 

Wilson Andrews Trust Deed FAQs Answered

Will a Wilson Andrews Trust Deed stop calls and texts?

Yes, when you have a Wilson Andrews Trust Deed all your creditors listed in the Trust Deed must communicate with the company instead of you. 

How much does a Wilson Andrews Trust Deed cost?

Wilson Andrews takes ongoing fees from the amount you pay each month. You do not make an additional payment. However, they also charge a one-off fixed fee at the start. They do not disclose what their fees are, but they could be higher than others based on forum comments. 

Can I have a Wilson Andrews Trust Deed and keep a car?

Vehicles with a value below £3,000 can be kept while you have a Wilson Andrews Trust Deed. Some vehicles above this valuation can also be kept if you need them for work. 

What happens if I own property?

Owning a property and having a Trust Deed can be less beneficial because you might have to pay out the equity or remortgage. Wilson Andrews can explain the details in full. If they don’t answer your questions then look elsewhere. 

What If my situation changes during the Trust Deed?

Trust Deeds do have a degree of flexibility if your financial situation changes, such as losing your job. You should notify your trustee immediately when this happens. 

Can a Wilson Andrews Trust Deed really work?

Yes, a Wilson Andrews Trust Deed can get you out of debt and wipe off some of your debts. You will need to stick to repayments to make this happen. 

Money Nerd’s Thoughts on Wilson Andrews Debt Solutions

Wilson Andrews are a legitimate debt solution provider and are regulated by the FCA and must adhere to high standards. However, the discussions posted on do cause some concern and stop us from recommending using a Wilson Andrews Trust Deed.

There are plenty of other companies out there who can provide a great service – and maybe a more affordable one. But start your Trust Deed journey by speaking with a UK debt charity. 

How Can I Contact Wilson Andrews?

Wilson Andrews can be contacted by calling 0161 667 2599. They do not provide the times and days their lines are open.

You can also write them a letter or send them an email using the details from the contact section of their website. 

Before You Pick Up the Phone…

Before you agree to a Protected Trust Deed with Wilson Andrews or any other provider, we recommend speaking with debt charities. One of the best options is Step Change who can provide free debt advice with no commercial motive. 

We also recommend more independent research on Trust Deeds and what they entail. You can access easy-to-read information on our Trust Deed hub.

About the author

Scott Nelson

Scott Nelson is a financial services expert, with over 10 years’ experience in the industry, including 6 years in FCA regulated companies. Read more