Debt free with TC… for a brighter tomorrow.

Advice Networks



The TC Debt Solutions team based in Dunfermline, Fife and Edinburgh are led by licensed Insolvency Practitioner Richard Gardiner. Collectively, the team have hundreds of years of experience between them so they’ll be able to answer all of your debt related questions. Most clients have other issues that have contributed to their debt problem so we’ve provided some links below that you might find useful.

Citizens Advice Scotland. Offering independent and confidential advice on issues such as debt, money problems and welfare benefits. (to find your local office) (for advice).


Step Change (formerly Consumer Credit Counseling Services). For independent debt advice. t: 0808 808 4000


Debt Arrangement Scheme (DAS). Information about the Debt Arrangement Scheme. t: 0300 200 2770


Gamblers Anonymous Scotland. Provides advice on how to deal with gambling problems. t: 0370 050 88 81


Money Advice Service. Responsible for helping consumers understand financial matters and manage their finances better. Use the Health check to get advice about how to manage your financial issues. t: 0300 500 5000


Mind. A charity and helpline which helps with mental-health problems. t: 0845 7660 163


National Debt Line. Free confidential and independent advice on how to deal with debt problems. t: 0808 808 4000


National Drugs Helpline. Information and advice about drugs. t: 0800 77 66 00.


One Parent Families Scotland. Lone parent helpline, advice and information for one-parent families. t: 0808 801 0323


Relationships Scotland. Advice and counselling to help with relationship problems. t: 0845 119 2020


Samaritans. Confidential emotional support. t: 0845 790 9090


Shelter Scotland. Free housing advice helpline. t: 0808 800 4444


Scottish Women’s Aid. t: 0800 027 1234.