Frequently Asked Questions

Who is Scottish Assets Partnership?

Scottish Assets Partnership is a trusted and experienced debt recovery and enforcement firm operating across the UK. We specialise in the collection and sometimes purchase and enforcement of non-regulated debts, including Scottish Decrees, English and Welsh County Court Judgments (CCJs), and civil claims from Northern Ireland. With a strong base of operations in Scotland and a UK-wide network of enforcement professionals, we are well-placed to recover debts quickly, legally, and efficiently.

We provide tailored recovery strategies for commercial, civil, and enforcement-based debts. Our in-house team works in close coordination with Sheriff Officers, High Court Enforcement Officers, and the Enforcement of Judgments Office (EJO) in Northern Ireland to deliver effective results for both debt purchasers and original creditors.

Regulated and Ethical Practices

While we focus on non-regulated debt recovery, Scottish Assets Partnership operates with full compliance and integrity. We adhere to industry standards and follow the principles of fair treatment and lawful enforcement. Our goal is to resolve matters efficiently and professionally—especially in cases of deliberate non-payment or refusal to engage.

We understand that every case is unique, and we approach each one with a balance of firmness and fairness. Where appropriate, we work with debtors to resolve matters amicably, but we are fully prepared to escalate to legal enforcement when required.

Cost of Living: What Are We Doing to Support Debtors?

We recognise the financial challenges many people are currently facing. At Scottish Assets Partnership, we aim to treat every case with understanding and respect, while ensuring that our clients’ legal rights are upheld. If you're experiencing difficulty in meeting your obligations, we encourage you to contact us directly.

Our team can assess your situation and, where appropriate, offer temporary solutions or structured arrangements. However, where deliberate avoidance is identified, we will proceed with appropriate enforcement measures to recover what is lawfully owed.

Struggling to Make Payments?

If you're genuinely unable to meet payment commitments, it's important to communicate with us as early as possible. Our team is trained to assess financial circumstances and will work with you to find a realistic resolution where possible. We will never ask you to pay more than you can reasonably afford based on verified information.

Our customer portal offers tools to help you:

• Submit an updated offer of repayment

• Complete an Income & Expenditure assessment

• Request direct assistance from our team

• Access contact details for free, independent debt advice services

Independent Money Advice and Support

For those needing free and impartial help, the following services are recommended:

Money Helper

Backed by the Money and Pensions Service, Money Helper ((https://www.moneyhelper.org.uk/en/everyday-money/budgeting/money-helper-tools-and-calculators)) offers practical tools, budgeting calculators, and access to free, confidential advice across the UK.

GOV.UK Benefits Calculators

You can use GOV.UK’s Benefits Calculators Benefits calculators - GOV.UK to check eligibility for benefits, estimate entitlement, and understand how changes in your circumstances might affect your financial support.

We're Here to Help — and to Enforce When Necessary

At Scottish Assets Partnership, we are committed to resolving outstanding debts professionally. While we always aim to work constructively with individuals and businesses, we are also highly experienced in taking enforcement action where needed. We act decisively in the event of deliberate non-payment, ensuring creditors recover what is lawfully due.

If you’ve received communication from us or believe your account has been transferred to Scottish Assets Partnership, please contact us promptly. Open dialogue leads to better outcomes—for everyone involved.