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About The Register Of Insolvencies

Updated: 10th October 2016

The Accountant in Bankruptcy made changes to the online Register of Insolvencies in 2015. This official public register contains details about all protected trust deeds and bankruptcies which take place in Scotland.

Searchers no longer need to create an account to access the Register of Insolvencies. Previously a registration process was involved; including the issue of a username and password for access.

Now anyone can now simply visit the online register and immediately search for case details about personal insolvencies.

The system has also been made much more user-friendly. If you want to discover your own insolvency records which are held there, you can add any combination of search terms including your forename, surname, street address, town, postcode, trustee name etc. A list of results will be produced from the search terms that you have selected.

Some Potential Issues

The benefits of a better search facility also lead to some potential drawbacks. For example, I (the author of this article) have been able to enter the name of a village I know well and was immediately presented with a list of several residents who had relatively recently utilised a formal personal insolvency procedure.

That same information was always stored in the public records previously, but it was never as easily searchable in order to satisfy mere curiosity.

What Information Is Made Publicly Available?

What precise information is presented about you on the Register of Insolvencies in Scotland? If you’re in a protected trust deed you (and anyone else) will be able to discover the following:

  • Name.

  • Address.

  • Date of birth.

  • Trustee details.

  • Start date.

  • Discharge date (client).

  • Discharge date (trustee).

The information above will remain present (and publicly accessible) on the register for a period of one year following the discharge of your trustee.

How To Search The Register

How can you search the Register of Insolvencies for details about your protected trust deed?

  • Visit the register.

  • Click the “Search Moratoriums, Trust Deeds, or Insolvencies Cases” link.

  • Click where it says “Search Criteria”.

  • Enter relevant information (forename, surname, street address, postcode etc.).

  • Click search at the bottom of the page.

  • A list of results will be produced. If it’s a very long list you may wish to return to Step 3 and enter additional personal details to narrow down your search.

Will Anyone Discover Your Entry?

We understand that very few people welcome the presence of their personal details on an online public register. This is especially the case in terms of sensitive financial subjects. Bankruptcies and Scottish trust deeds are procedures that many users would naturally prefer to be kept entirely private.

It is the case that few people are even aware that this statutory register even exists. Fewer still will actually invest their time and energy to search the register without a good reason to do so. This is a resource that has always been used primarily for professional purposes. Having made the register more accessible is unlikely to change this in any substantial respect. 

The technical set-up of the online register appears designed to prevent search engines from presenting pages about individual Scottish insolvencies. If you’re John Johnson from Johnstone, entering that information into Google does not currently return a result referring to your insolvency register records.

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