How do I make a payment ?
We have a number of payment methods available which can be found on our “contact us” page HERE
How do I contact you?
You can get in touch by email or telephone. Please visit our “contact us” page for details. HERE
What is my balance ?
To find out what your current balance is, please get in touch with us. Visit our “contact us” page HERE
What is a claim ?
In Scotland, a claim is a legal action raised in the Sheriff Court to recover money owed. Typically, the Simple Procedure Claim is used to recover money up to £5000 and the Ordinary Cause claim is used to recover money over £5000.
What is a decree?
A decree is a formal order issued by the Sheriff Court at the end of a court case. This sets out the final decision, requiring you to pay a specific amount of money to the pursuer. This amount can include the original debt, interest and court expenses. Details of the decree is then passed to the Registry Trust, who maintain a public Register of decrees. This is also recorded on your credit file for a period of 6 years from the date it was granted.
What are the consequences of a decree?
The granting of a decree is legally binding. It will appear on your credit file for a period of 6 years and may affect your ability to obtain future credit. If not complied with, it can be enforced using a number of recovery options. For example: Earnings Arrestment also known as a wage arrestment and placing an Inhibition on heritable property (land/buildings).
Why do I have a decree?
If you have a decree recorded against you, it means that a Sheriff Court has made a final decision ordering you to pay a debt.
How can I get the decree removed ?
If the amount ordered on a decree is paid in full within one calendar month of the decree being granted, then proof of payment is provided to Registry Trust, it will be removed from the Register. If you would like more information on this, you can contact us. Please visit our “contact us” page HERE
What is Litigation?
Litigation is the process of taking court action to obtain a decree from the court for money owed.
What are the legal process steps?
More detailed information can be found on our “The Scottish Legal Process” page HERE
Why do I have fees ?
Fees will have been incurred due to legal action having been raised to recover a balance owed. These are court costs and legal expenses that the court has allowed to be added to the amount you owe.
Why have I received a Charge For Payment (CFP) ?
A Charge for Payment is a legal document served by a Sheriff Officer, giving you 14 days to pay the amount owed. This document is typically served after a decree has been granted, if the outstanding amount has not been paid in full, or if there is no active payment plan in place.
Why do I need to complete an Income and Expenditure form (I&E) ?
Even if you have proposed an offer of repayment, we will always seek to ensure that any offer of payment is affordable. Our method of establishing affordability is through completion of an Income & Expenditure form. If you have questions around why this needs to be completed or how to do so, please visit our “contact us” page HERE
This debt doesn’t belong to me, what do I do ?
If you believe you do not owe the debt, please contact us. Having as much information as possible to support your claim will help us to try resolve the issue quickly. Please visit our “contact us” page HERE
I can’t afford to pay this, what can I do ?
We understand that everyone’s situation is different. Speaking to one of our advisors to help us understand your situation is the first step. We may be able to provide you with options that best suit your circumstances. Details on how to contact us are on our “contact us” page HERE
I have no support and don’t know what to do, how can I pay this back ?
We have supplied some useful organisations on our webpage that can provide you with free impartial advice. Details can be found on our “Free Help & Advice” page HERE. Alternatively, you can contact us and make us aware of your circumstances. Our contact details are on our “contact us” page HERE
How do I make a complaint ?
Complaints can be made both verbally and in writing. Please visit our “contact us” page HERE