1. Home
  2. Country desks
  3. Scotland
Scotland desk. No cure, no fee.

Debt collection agency Scotland. Scots law, not English law.

Scottish collectors and solicitors recover unpaid B2B invoices from companies in Scotland. Scotland has its own courts and its own enforcement, called diligence, from the charge for payment to arrestment of bank accounts. No cure, no fee.

★ 4.7/5 from 68,127 reviewsSince 1999$0 upfront
Demand specimen
Final demand14 days
CosmopoliteInternational debt recovery
Re: Final demand for payment

We act for your creditor.

Statutory interest and fixed compensation are claimed under the Late Payment of Commercial Debts (Interest) Act 1998.

Payment is required within 14 days. Failing this, proceedings will be raised in the Sheriff Court without further notice.

The first demand your debtor receives: under Scots law, from a collector in Scotland.

The route in Scotland

How a debt is recovered in Scotland.

You approve every escalation. Nothing is filed without your written consent.

Day 0

Final demand

A collector in Scotland serves a formal demand. Statutory interest runs at the Bank of England base rate plus 8 percentage points, with fixed compensation of £40, £70 or £100 per invoice depending on its size.

Pressure

Statutory demand

Against a company, an unpaid statutory demand for £750 or more, left unpaid for 21 days, allows a winding-up petition. Solvent debtors usually pay before that point.

Court action

Sheriff Court

Smaller claims run under the simple procedure; larger claims under ordinary cause. Scottish solicitors handle the action in the Sheriff Court.

Decree

Judgment

The court grants decree, the Scottish term for judgment. An undefended action usually reaches decree quickly.

Diligence

Enforcement

A charge for payment gives the debtor 14 days to pay. After that, sheriff officers can arrest bank accounts, attach goods, and inhibit property. Recovered funds reach you within 48 hours of receipt.

Swipe through the route
Terms

You pay from results, and only from results.

No recovery, no fee

No registration fee, no retainer. The success fee is agreed in writing before work starts and is due only on money actually recovered.

Costs approved first

Court, sheriff officer or solicitor costs in Scotland are quoted in writing and incurred only with your approval.

Funds in 48 hours

Recovered amounts are remitted to your account within 48 hours of receipt, with a settlement statement. Every step is visible in Haka AI.

Questions

Collecting in Scotland: what creditors ask.

Is debt collection in Scotland different from England?+

Yes. Scotland has its own legal system, courts and enforcement rules. Claims run in the Sheriff Court, judgments are called decrees, and enforcement is called diligence. An English judgment needs to be registered in Scotland before it can be enforced there.

What interest can I claim from a Scottish debtor?+

The Late Payment of Commercial Debts (Interest) Act 1998 applies in Scotland: statutory interest at the Bank of England base rate plus 8 percentage points, and fixed compensation of £40, £70 or £100 per invoice depending on its value.

How are debts enforced in Scotland?+

After decree, a charge for payment gives the debtor 14 days to pay. If it does not, sheriff officers can arrest funds in bank accounts, attach goods, and register an inhibition that blocks dealings with the debtor's property.

How long do I have to collect a debt in Scotland?+

Most commercial debts prescribe after five years in Scotland, after which the obligation is extinguished. Placing a case early protects your position.

How much does debt collection in Scotland cost?+

No cure, no fee. The success fee is agreed in writing before work begins and is due only on amounts recovered. Court and solicitor costs, where a case needs them, are quoted and approved separately.

Briefing

The legal landscape in Scotland.

General information for B2B creditors, not legal advice. Every case is reviewed by local counsel before court action.

A separate legal system+

Scotland is part of the UK, but its courts are its own. Scots law has its own procedure, terminology and enforcement. A creditor who treats a Scottish debtor like an English one loses time.

Sheriff Court procedure+

Most commercial claims run in the Sheriff Court. Lower-value claims use the simple procedure, designed to be quick and inexpensive; larger claims use ordinary cause. An undefended claim usually results in decree without a hearing.

Diligence: Scottish enforcement+

Enforcement starts with a charge for payment, which gives the debtor 14 days. Sheriff officers can then arrest funds held in bank accounts, attach goods, and register an inhibition against property. For companies, a statutory demand followed by a winding-up petition is a powerful alternative.

Prescription and interest+

Most commercial debts prescribe after five years. The Late Payment of Commercial Debts (Interest) Act 1998 applies throughout the UK, including Scotland, so statutory interest and fixed compensation can be added to the claim from the start.

Your debtor is in Scotland. So is your collector.

Placement takes minutes. You receive a written assessment within 24 hours.

Place a case
Our desks