Scott & Co

May not be suitable in all circumstances. Fees may apply, read here. Entering into a Protected Trust Deed may affect your credit rating.

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How Much Do You Owe In Total?

How much do you owe in total?
Why are we asking this question?
By knowing how much debt you owe, we can ensure we are able to offer you the most appropriate debt solution for your needs.

Who Are Scott and Co?


Scott & Co,

12 Drumsheugh Gardens,



Telephone: 0845 345 8980


Email: [email protected]

Scott and Co Sheriff Officers employ Sheriffs and Messengers-at-arms to enforce court orders often relating to outstanding debts including Council Tax, Business Rates, Overpaid Benefits and other private or public sector debts. If you attempt to prevent them from doing their jobs, you could be held in comtempt of court.

How Might Scott and Co Recover My Debt?

Reminder Notices

In most cases, regardless of the debt type, if you miss a payment then you will be sent a reminder letter. In the case of overpaid benefits, you will notified how and why this happened and then will be expected to pay this back. If no payment is received, you will oftenbe sent a second reminder. If you fail to pay after 7 days then there is a chance your creditor will employ Scott & Co Sheriff Officers to recover the debt.

In the case of Council Tax, at this stage you will most likely be sent a letter asking you to pay the entire remaining annual tax amount and all options to pay this in instalments will have been removed.

Summary Warrant

If payment still hasn’t been received then the next stage will be a Summary Warrant. 

A Summary Warrant is a legal document issued by the Sheriff Court allowing local authorities to collect debts. It signals the beginning of the legal action that is about to be taken against you. A Summary Warrant will also add a 10% surcharge onto you debt that is also legally recoverable. 

When receiving a Summary Warrant, it is likely that it will state a Sheriff Officer as the creditor as opposed to the local authority or the original creditor.

Whilst a Summary Warrant is similar to a court summons, no court hearing will take place.

Charge For Payment

Once you have received you Summary Warrant from a Sheriff Officer, this will be followed up by a Charge for Payment, which is a 14 day notice for you to settle your arrears. This will also include the 10% surcharge.

If you continue to fail to repay your debt at this stage, then other methods of recovery will be pursued by the Sheriff.

Sheriff Officers

It is at this stage, once the 14 day notice period of the Charge for Payment has elapsed, that the Sheriff Officers will be able to take further action against you. This can include the following:

  • Attachment of Property – The Sheriff will be authorised to seize property that is outside of your home e.g. in a shed or outhouse or in a garden. They are not allowed to take anything that is essential for work or a business.
  • Wage Arrestment – This means that a portion of your earnings will be taken directly out of your pay.
Scottish Trust Deed

What Types of Debts Do Scott and Co Collect?

Credit Cards

Unsecured Loans

Store Cards


Personal Loans

Utility Bills

Business Debts


Debt Collectors


The Different Debt Types We Can Help With

Whether it is a Trust Deed, Sequestration or a Debt Arrangement Scheme, only unsecured debt can be included in a debt solution.

Here are some examples of some typical unsecured debts that you may have.

What Could Scott and Co Do?

If your local authority has taken you to court as a result of your debt, then Scott and Co Sheriff Office could get involved.

They do have the power to remove items from your property and to sell them to pay your debts, but only if you let them in to your property. As mentioned previously on this page, not letting them in to your property does not stop them from removing items that are outside, such as vehicles, garden furniture and barbecues. 

If you let Scott and Co sheriffs into your home, they could take:

  • Cash
  • Jewellery
  • Electronics items such as televisions, computers and consoles
  • Any items that are jointly owned with someone else

They can not take work tools or equipment that does not add up to more than £1,350 and they can not take items that belong completely to someone else, however, you would need to prove that the items do not belong to you via proof of purchase for example. 

If you do have items seized by Scott and Co then, to get them back, you would need to:

  • Pay back your debt before the items are sold
  • Buy the items back
  • Come to an agreement with your creditors and request that they ask the Sheriff to cease their actions against you and return your property.
  • Prove that the Sheriff did not follow correct procedure when they took the goods away.

Remember, the easiest way to avoid losing property is to not let Sheriffs into your property at any point.

Other Than Paying Scott and Co, What Other Options Do I Have?

Apply For A Time To Pay Direction or Order

Time to Pay Directions and Time to Pay Orders are a  court instruction that you can ask for when your creditors take you to court because you haven’t paid your debts. You can request these instructions when your creditors sue you for not paying, or after a court has already issued an order.

A Time to Pay is something you can ask a judge for when a creditor takes you to court because you haven’t paid a debt, and you agree that you owe the money. Then, a Sheriff can decide if you should get more time. If they agree, you can pay the debt in smaller amounts over time, or all at once at a later date.

Once you get a Time to Pay Direction or Order, a court still says you owe the money, but if you follow the rules, creditors can’t take extra steps like getting a sheriff to demand payment from you or forcing you into Sequestration (Bankruptcy). But before you ask for a Time to Pay, think hard. Do you really owe the money? If not, getting a Time to Pay won’t help because it’s not a defense. Instead, figure out why you don’t owe the money and get advice on how to argue your case in court.

There is a difference between a Time to Pay Direction and a Time to Pay Order: 

A Time to Pay Direction is something you ask for before the Sheriff decides your case. A Time to Pay Order is only requested after the Sheriff has made a decision and a Charge for Payment has been sent to you.

If you’ve already asked for a Time to Pay Direction, you can’t request a Time to Pay Order.

You’re only allowed to use these solutions once.

Also, if you’ve already used a Time to Pay Direction or Order, you can’t ask for a Time Order under the Consumer Credit Act 1974.

Apply For A Debt Arrangement Scheme

A Debt Arrangement Scheme (DAS) is a plan supported by the government to assist people in repaying their debts over a set period without facing legal actions. The purpose of DAS is to enable individuals to make affordable payments based on their available income while halting any additional charges, like interest or penalties, at the beginning and forgiving them upon completion.

In Scotland, anyone struggling to repay debts to multiple creditors can access Debt Arrangement Schemes (DAS). These schemes are endorsed by the Scottish government and were established by law in 2004. They provide individuals with protection from creditor lawsuits and offer a structured approach to managing personal debts without needing to declare bankruptcy.

Debt Arrangement Schemes are structured to help individuals navigate their way out of financial challenges and move towards a more stable financial future.

Unlike Sequestration and Trust Deeds, Debt Arrangement Schemes (DAS) don’t involve declaring insolvency or negotiating which of your debts are repaid and which are written off. Instead, DAS revolves around creating a Debt Payment Programme (DPP). This plan lays out how all of a person’s debts will be repaid over a set period.

In Debt Arrangement Schemes, creating a Debt Payment Plan agreeable to both debtors and creditors is crucial. The initial step involves determining the exact amounts owed to each creditor by the individual seeking a DAS agreement. Subsequently, your DAS Approved Advisor will assess your ability to repay considering your income and regular expenses.

The goal of a DAS is to provide individuals in debt some financial breathing room without resorting to bankruptcy or Trust Deeds. This ensures creditors that the money owed to them will eventually be recovered under the terms of the DAS deal.

The duration of repayment under a DAS agreement varies case by case. The aim is to establish a repayment pace that the debtor can realistically sustain. The Administrator evaluates each situation to determine what’s feasible, emphasizing affordability when crafting any Debt Payment Programme (DPP).

A crucial player in this process is the DAS Approved Advisor. Their role involves facilitating communication between creditors and debtors to reach an agreement on the Debt Payment Programme that satisfies all parties involved.

The next solutions, explained below, is the Trust Deed.

How Could A Trust Deed Help Stop Scott and Co?

A Trust Deed typically lasts for four years and is an agreement between you and your creditors, managed by a licensed insolvency practitioner serving as a Trustee.

The trust deed outlines how you’ll repay your unsecured debts through affordable monthly installments. If you stick to the plan, you’ll eventually be relieved of the responsibility to repay the remaining outstanding debts. This means you only repay what you can afford over the four-year period, and the rest of the debt is written off.

As legally binding agreements, trust deeds shield individuals from creditor actions, offering reassurance to those unable to pay off debts. They provide clarity on which debts will be repaid and when, satisfying creditors while easing debt-related pressures for the debtor.

With TrustDeed4Me, entering a trust deed can halt creditor communications. We handle communication with your creditors, informing them of the trust deed and directing further correspondence through us.

Remember, if you are struggling with debt, you are not alone. Contact us at TrustDeed4Me to take the first step towards a debt free life.

This is a real life example of how we have helped one of our customers. Click on our link below to see how we could help you.

Trust Deed Scotland

Why Choose TrustDeed4Me to Help With Scott and Co?

Trust Deed Scotland

Friendly & Understanding

Our friendly, understanding and expertly trained advisors are ready to assist you, offering impartial and practical guidance in a completely non-judgmental setting. We recognise that anyone can encounter financial challenges, which is why we prioritise treating our customers with empathy and understanding.

Proven Track Record

With over 20 years of experience, we have helped literally thousands of people solve their money worries. Once you have enquired, one of our team members will be in touch, learning about your specific circumstances and pointing you in the direction of the help you need; whether that is with us, or one of our trusted partners.

Ongoing Support

If you choose to become one of our clients then, should you need us, we are here to help. We understand that life can be tough and we can all be faced with the unexpected from time to time, so should your circumstances change during your Trust Deed term, get in touch and get the support you need.

What Our Clients Says About Us

What services does Scott and Co offer related to unsecured debt?

Scott and Co is a debt collection agency that provides services including the collection of unsecured debts such as personal loans, credit card debts, and utility bills. They work on behalf of creditors to recover funds that are owed.

How does Scott and Co ensure its staff has the necessary experience to handle debt collection effectively?

Scott and Co invests in comprehensive training programs for their staff to ensure they have the required knowledge of legal regulations, negotiation skills, and industry best practices for effective debt recovery. Additionally, they may employ experienced professionals with a background in finance or law.

In what ways does Scott and Co demonstrate empathy towards individuals with outstanding unsecured debts?

The company may show empathy by offering flexible repayment plans tailored to the debtors financial situation, providing clear communication about the process, respecting privacy, and understanding individual circumstances which might affect someones ability to pay their debts.

How can clients be assured that Scott and Co handles unsecured debt collections ethically?

Clients can look for accreditations or memberships with professional bodies that promote ethical standards in the industry. Moreover, testimonials or reviews from past clients can provide insights into their ethical practices. Compliance with laws like the Fair Debt Collection Practices Act is also essential.

What measures does Scott and Co take to stay compliant with regulations regarding unsecured debt collection?

To maintain compliance with regulations like consumer protection laws, Scott and Co regularly updates its policies according to legislative changes. They ensure all communications meet legal standards for fairness and transparency while safeguarding consumer rights throughout the debt collection process. Regular audits might also be conducted within the company to guarantee ongoing adherence to relevant statutes.