• Executive Summary

• Membership changes

• Introduction
  • Lived experience - Inverclyde Community Hub

• Debt review

• The Benefits of Protected Trust Deeds

• Failed Protected Trust Deeds
  • Why do Protected Trust Deeds fail?
    • The discharge process

• Regulatory Environment

• Marketing and lead generation

• Money Advice and mis-selling
  • Debtor choice
  • Compulsory independent advice

• Trustee fees
  • Creditors
  • Accountant in Bankruptcy reform proposals

• Early termination of a Protected Trust Deed

• Annex A - Minutes of Meetings

• Annex B - Written Evidence

• Annex C - Visits and Events