Commercial Debt Recovery Glasgow

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Recovia recovers commercial debts for businesses in Glasgow, and for businesses elsewhere in the UK that are owed money by Glasgow firms. Scotland has its own legal system, so we run every Scottish case under Scottish procedure from the first letter. No-win, no-fee recovery is available on suitable cases.

Chasing a Glasgow debtor from England?

This is where many creditors go wrong. English pre-action letters, County Court claims and CCJs don't apply in Scotland. A demand that quotes the wrong rules tells a well-advised Scottish debtor that the creditor doesn't know the next step.

We handle Glasgow debts the Scottish way:

• Demands that reflect Scottish procedure
• Court action in the sheriff court, the right route for most commercial claims
• Enforcement through Scottish diligence, carried out by sheriff officers

Court routes in Scotland

• Simple Procedure for claims under £5,000. A streamlined route through the sheriff court.
• Ordinary Cause for claims over £5,000. If the claim isn't defended, the court can grant decree in absence.

A successful claim ends in a decree, Scotland's equivalent of a judgment.

Enforcement after decree

Before enforcing, a sheriff officer normally serves a charge for payment, which usually gives the debtor 14 days to pay. If they don't, the main options are:

• Earnings arrestment, with deductions taken directly from the debtor's wages
• Bank arrestment, freezing funds in the debtor's bank account
• Attachment, where a sheriff officer attaches certain goods

Where a company owes more than £750 and can't or won't pay, winding-up may also be an option.

Already hold an English judgment against a Scottish debtor?

It can still be enforced. You get a certificate from the English court, then register it in the Court of Session within six months. It's then enforced using Scottish diligence. We can manage this for you.

Time limits

Scotland has its own time limits for claims, known as prescription, and they can be shorter than in England. Don't leave a Scottish debt to age. We check the position at assessment.

Frequently asked questions

We're based in England. Can you still help with a Glasgow debt? Yes. One instruction covers debtors on both sides of the border.

Do you use Scottish enforcement officers? Enforcement in Scotland is carried out by sheriff officers. We instruct and manage them for you.

Related: Debt Recovery in Scotland · Commercial Debt Recovery Edinburgh · No Win No Fee · Areas We Serve

Owed money by a Glasgow business? Request a free assessment or call 01527 369593.