What Happens If I Don’t Pay Scott and Co?

If you’ve received a letter from Scott & Co, it can be quite scary. You may be asking yourself, “”What will happen if I don’t pay Scott & Co?”” You are not alone in this – every month, more than 12,000 people visit this site in search of answers to questions just like yours.

In this article, we’ll explore:

• Who Scott & Co are and what they can do.
• How you can lower your repayments to Scott & Co.
• If Scott & Co can take money from your bank account.
• What happens if they try to enter your home.
• How to ask Scott & Co for proof the debt is yours.

We understand your worries about not being able to pay a debt as our team has experienced similar situations. In this article, we’ll share useful answers to your questions. Let’s dive in and learn more about dealing with Scott & Co.

Why did Scott & Co contact you?

Scott & Co will contact you when one of their clients instructs them to retrieve the money you owe. The debt collector could be chasing you for money owed to a private company.

Or they could be acting on behalf of a local authority!

In short, when you owe money to the council, Scott & Co will chase you for payment under the instructions of the council.

That said, Scott & Co could be acting on behalf of another one of their clients!

Can you ask Scott & Co to prove the debt is yours?

Yes. You should ask Scott & Co to prove you owe the money. Send them a “prove the debt” letter by registered post.

It stops the debt collector from taking the matter further if they haven’t already provided proof the debt is yours.

Don’t just take their word for it. Ask Scott & Co to send you authenticated proof the debt is yours!

Should you check if the debt is statute-barred?

Yes. You should always check if a debt is too old to enforce before you admit or fork any money over to Scott & Co.

In Scotland, a debt is statute-barred when it’s at least 5 years old and meets specific criteria which is:

• You haven’t admitted owing the money in five years
• You haven’t paid anything towards settling the debt in the last five years
• There’s no court decree registered against the debt

Could you legally write off the debt?

You may qualify to have the debt written off by applying for a Scottish Trust Deed which would protect your assets from being seized.

However, there are other options worth considering which is why it’s best to seek expert debt advice before deciding on anything.

What powers do Scott & Co Sheriff Officers have?

Sheriff Officers have specific powers because, in Scotland, they are officers of the court. They enforce court orders which means an officer has the power to do the following:

• Evict someone
• Enforce a debt
• If a dispute exists on a property, they can force someone to change it
• Make certain important legal documents are received
• Detain or remove someone from a property in specific circumstances

That said, Sheriff Officers are not the police and therefore, they don’t have the same powers as police officers.

What happens when you don’t pay your council tax?

You’d get a letter from the council asking you to pay within seven days. But they also offer an option to pay what’s owed in instalments at this stage of the process.

The next letter you receive from the council is a second demand for payment. However, this time you have fourteen days to pay and you don’t get offered the option to pay in instalments!

After this, if you still don’t pay what you owe, the council passes your details on to Scott & Co. It means you can no longer deal with the local authority!

It’s also worth noting that each person registered to live in a property will receive payment reminders from the council!

For example, if four people live in the property and all of them are registered with the council, each one of them will get a payment reminder!

What is a Summary Warrant?

When you fail to pay your council tax, a local authority can apply to the Sheriff’s court to have a ‘summary warrant’ issued against you. As soon as the court grants the summary, all your details are forwarded to Scott & Co.

You’d have to deal with Scott & Co directly because it’s too late to discuss things with the local authority!

Moreover, there’s an additional charge added to your bill once the summary warrant is granted. So, for example, if you owe £1,000, an extra £100 is added to an unpaid council tax bill which could make it even harder to settle.

Can you stop further action from being taken against you?

The only real way to prevent any further legal action from being filed against you is to settle the debt with Scott & Co as soon as you can.

You should stay in touch with a debt collection agency to prevent things from escalating whether you can pay or not.

If you can’t afford to pay the full amount, you should discuss your personal circumstances with Scott & Co and arrange a debt repayment plan.

Their agents should take your situation into consideration and arrange a payment schedule you can afford.

Can you apply for a Time to Pay Order?

Yes. If you’re struggling to pay your bills and have fallen into debt, you could apply for a Time to Pay Order.

All proceedings stop once you apply for the order which could make it easier to settle what you owe. But there are other options available, which is why it’s best to seek advice from a debt expert before deciding what to do.

Moreover, several debt charities provide free debt advice when you need it!

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Do you need to settle a Scott and Co debt?

Whether you settle a debt with Scott & Co or not depends on several things. For instance, is the debt yours to pay? Is the debt statute-barred? If so, you may not have to pay.

But if you owe the money, then you’ll have to settle the debt with Scott & Co whether it’s the full amount or in instalments!

» TAKE ACTION NOW: Fill out the short debt form

What can Scott & Co legally do?

Scott & Co can contact you about the money you allegedly owe. However, there are things debt collectors can and cannot do.

A debt collection agent from Scott & Co can:

• Contact you by letter, phone, email, or text and they can visit you in person if all else fails
• Discuss things with you discreetly
• Arrange for you to pay them directly whether it’s the full amount or in instalments

Can Scott & Co Sheriff Officers enter your home?

Yes. Scott & Co Sheriff Officers may enter your home, but only as a last resort!

Once an Exceptional Attachment Order is issued by the sheriff court, an Officer has the right to enter your property.

However, they can only enter a property between the hours of 8 am and 8 pm Monday to Saturday but not on Bank Holidays!

You should always ask whoever visits you from Scott & Co to show their identification. You could also ask to see the official court order to enter your home.

The order states a Sheriff Officer has been ‘granted a warrant for all lawful execution’. Once you’re happy with things, you can decide whether to let them in.

It’s worth noting that a Sheriff Officer can use reasonable force to enter your home if you don’t let them in!

In short, they could break hinges, locks and windows to gain entry into your property.

On top of everything, you could be charged for breaching the peace or for obstructing an officer of the court from carrying out their job!

What are the rules about forcing entry into your home?

Some rules apply before Officers can use reasonable force to enter your home. Even when they have an Exceptional Attachment Order!

For instance, someone must be 16+ years old and present in the home when an officer uses force to enter. Plus it must be someone who understands what’s happening!

If the person is deemed vulnerable or unable to speak English, Scott & Co cannot enter your home until the right circumstances are met!

Who pays for the repairs when Sheriff Officers cause the damage?

If Scott & Co Sheriff Officers damage a door or window when they force their way into your home, it’s the council that foots the bill.

Unfortunately, these costs are typically added onto the amount Scott & Co are recovering as additional fees to your unpaid bill!

Could Scott & Co take money from your bank account?

Yes. When a sheriff court issues a bank arrestment, Scott & Co can take money directly from your bank account.

Plus, they can do so without your consent!

What items can’t Scott & Co Sheriff Officers take?

There are items which can’t be listed in an Exceptional Attachment Order. It means a Sheriff Officer can seize them.

I’ve listed the items that can’t be taken below:

• Essential household furniture
• Clothing
• Bedding
• Essential household appliances like fridges, cookers, washing machines and freezers
• Items belonging to children
• Work tools and equipment

However, it’s sometimes up to an Officer to decide whether an item is essential or not to your day-to-day living. The same is true if it applies to work-related items.

What happens if Scott & Scott make you bankrupt?

When you owe more than £3,000, debt collectors in Scotland can make you bankrupt or they can sequestrate your assets until the debt is paid in full.

It’s best not to let things get this far and to enter into negotiations with Scott & Co to resolve the debt positively!

Can you negotiate a payment with Scott & Co?

Yes. You could negotiate a settlement payment with Scott & Co. However, you should seek advice from a debt expert before you enter into any sort of negotiation.

Their advice could be invaluable when it comes to calculating a settlement figure you can afford.

Scott & Co should be willing to consider your offer to pay less in a lump sum to settle the debt in full. After all, not having to chase you for payment makes a debt collector’s life a lot easier!

However, make sure to get them to agree on a settlement figure in writing so you have a record of the agreement.

Also, if your settlement figure is accepted, make sure you make the payment within the agreed time. Otherwise, the agreement could be null and void.

You’d have to pay the full amount if this happens!

Can you stop Scott & Co from contacting you?

No. You can’t stop Scott & Co from contacting you, but you can tell them how you’d like to be contacted.

For example, you can write and ask them to only contact you by letter. It’s a good move because you’ll have records of all their correspondence and demands!

Make sure you send the letter by registered post and keep a copy for your own records just in case you’re taken to court.

Can you complain about Scott & Co?

Yes. You have the right to complain about Scott & Co if any of their Officers acted unlawfully or inappropriately.

First, lodge a complaint with Scott & Co, preferably in writing by email or letter so you have a record of it.

If you complain in writing, make sure you send the letter by registered mail so you know Scott & Co receives it.

The debt collector should respond in a timely manner but if they don’t or their reply is inadequate, you can file a complaint with the Sheriff Principal. They’ll launch an investigation into the matter.

I’ve listed ways to file a complaint with Scott & Co in the table below:

Can you file a complaint against a sheriff officer?

Yes. You can write to Scott & Co to lodge a complaint against an Officer if:

• They behaved in a disreputable or unreasonable manner
• They exceeded their actual powers

After this, you can complain to the Sheriff Principal at the local Sheriff Court if you’re not happy with Scott & Co’s response to your complaint.

You could file a complaint with the Society of Messengers-at-Arms and Sheriff Officers which has its own disciplinary practices.

You can write to them, email a complaint or send a letter by recorded delivery. Their contact details are as follows:

How do you contact Scott & Co?

You can contact Scott & Co at their various offices in several ways which I’ve listed below: