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Scottish debtors

Our approach to reclaiming Scottish debts is unique.

While other recovery agencies follow a long and expensive process, pursuing claims through England before transferring them into Scottish law, we go straight to the court which is local to the debtor, issue proceedings to obtain the decree and enforce this.

Collection

In Scottish law, the court may not necessarily be the best option for the collection of debt.  Uniquely in Scotland we can use a process called collection.  Through this we will issue a seven-day notification to the debtor of our intention to recover the debt by litigation and enforcement.  This allows the debtor a final opportunity to settle the debt prior to any further costs being added.  If payment is not forthcoming within the seven days, the matter is referred to our collections team who will then attempt to contact the debtor to obtain payment.  If we are unsuccessful, we can arrange for a field agent to call at the debtor’s address.  We will then determine whether we believe court action is the best way of recovering the monies owed.  Our decision will be made after assessing the debtor’s assets and possessions.

The collection stage runs for a maximum of 30 days.  If the debtor fails to settle, we will automatically take court action.  We will conduct a pre-sue check and will manage the case, so you can concentrate on running your business.

Litigation

If we are unable to collect your debts through collection the next step will be to take the debtor to court.

  • small claims are used for debts under £3,000
  • summary causes relate to those debt recovery cases where amounts between £3,000 and £5,000 are being pursued
  • ordinary causes are those where amounts over £5,000 are being pursued

We understand the complexities of Scottish law and will help you collect your monies without the headache – so contact us today.