Bailiffs and Legal Action Articles

Bailiffs and Legal Action

I’ve received a Simple Procedure Notice of Claim – what now?

If you owe a debt of £5,000 or less, your creditor may send you a Simple Procedure Notice of Claim. This procedure that was brought in by the Scottish government with the intention being to make it e...

Bailiffs and Legal Action

Debts in Scotland – What is a Decree?

A decree is a ‘money judgment’ issued by the sheriff courts in Scotland, and is the same as a County Court Judgment (CCJ) in England and Wales.

Bailiffs and Legal Action

What's a ‘continuous payment authority’ and how to cancel it

Continuous payment authorities, or CPAs, are often used by payday loan providers as a way to take repayments via a debit card, or sometimes a credit card.

Bailiffs and Legal Action

What happens when a creditor takes me to court in Scotland?

If a creditor is taking you to court in Scotland, the initial notification will be a writ or summons. This document should include details of your creditor, the amount owed, name of the court, and wha...

Bailiffs and Legal Action

How to respond if a High Court Enforcement Officer contacts you

If you have been contacted by a High Court Enforcement Officer, it means that one of your creditors has been through court process to recover a debt. In Scotland, High Court Enforcement Officers are c...

Bailiffs and Legal Action

What is an attachment of property for individuals in debt?

One of the most common worries of people in debt is whether they could have their home taken away from them or their possessions sold in order to pay back the money they owe.

Bailiffs and Legal Action

What is moratorium on diligence or moratorium protection?

If you finding it difficult to repay one or more of your creditors, and need more time to consider your options without the threat of legal action, you can now apply to the Accountant in Bankruptcy (A...

Bailiffs and Legal Action

Diligence and debts? What actions can creditors take to recover debts?

Diligence is the technical term for enforcement and comes in many forms. Diligence can only be used following court action and is therefore the result of a lengthy recovery campaign on the part of the...

Bailiffs and Legal Action

Debt Collectors vs Sheriff Officers: what’s the difference?

If you have fallen behind in your debt repayments to creditors, you may find yourself visited by a Sheriff Officer or debt collector looking to recover the money you owe.

Bailiffs and Legal Action

What action can creditors take against you to recover debts?

If you’re struggling to repay personal debt, it’s important that you know the steps that creditors can take to recover their money.

Bailiffs and Legal Action

I’m facing house repossession – what can I do?

If you are threatened with house repossession, you need to act quickly. You may be able to negotiate more time to pay – it is often the case that repossession can be stopped or temporarily halted, a...

Bailiffs and Legal Action

What is a charge for payment in Scotland?

If you have been struggling with debt and have found yourself unable to make the required payments to your creditors, you may eventually be in the position where you creditors look to take further act...