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Stirling Park debt collection are one of the largest sheriff officer and debt collection companies in Scotland. They also perform debt tracing services for accounts relating to individuals who have moved address. They employ approximately 150 people, including a network of around 20 sheriff officers and 11 messenger-at-arms who have even greater enforcement authority. The company is part of Capital PLC Group, a digital services, consulting and software business registered in England.
Stirling Park LLP is a legitimate company registered in Scotland with a company registration number of SO300097. They have registered offices at 24 Blythswood Square, Glasgow G2 4BG.
If you have received a letter of a card from this debt collector, contact us immediately for independent, confidential and free debt advice. We will help you to understand all of your options to stop this debt collector before giving them a reason to escalate their action with you. The most critical next step is to act quickly before things become more serious! Our advice is 100% free; we work hard to help you as swiftly and efficiently as possible.
Let’s find out more about Stirling Park and how they work.
Why are Stirling Park contacting me?
If you’ve received notice of potential enforcement action from Stirling Park, it is likely to be because you have an unpaid debt or fine with an organisation that is one of their clients. For example, you may have broken the terms and conditions of a credit agreement and missed a critical payment date. Alternatively, perhaps your council tax payment is in arrears.
Who do Stirling Park collect for?
Stirling Park collect for a range of companies and debts including:
- Law firms
- Public sector organisations
- Local Government to collect debts such as council tax debt and benefit overpayments
- Banks to collect their unpaid overdrafts and loan account debts
- Other financial companies offering services such as credit cards
Will Stirling Park come to my house to collect debts?
If you owe money to Stirling Park and you are not able to make a payment in full or negotiate a payment plan, you may receive a visit from a sheriff officer.
As a long-established independent debt website, we have a vast experience of dealing with creditors such as Stirling Park. We understand the methods tactics that they use, and we can work with you to get them to stop before it takes a toll on your health.
What rights do I have against Stirling Park?
You have certain rights that aim to protect you and your family’s wellbeing.
- Your debt collector can not harass you. They are allowed to contact you in a reasonable way. However, this definition is open to interpretation, and you can’t use a collector’s tactics as a defence to stop repaying your debt. You can ask that Stirling Park only contact you in writing, but if you do this, you must make sure that you are responsive to their communications.
- In line with data protection guidelines, they cannot speak to your family, friends or neighbours about the details of your debts.
- They cannot lie to you to make you pay your debts or pretend that they have an authority from the court if they do not. The law is clear on these matters. For example, they can not forge a court document to gain entry to your property.
- They cannot be threatening or abusive when collecting debts.
There are also other forms of protection, such as guidelines on what a sheriff officer can and can’t seize from a property. For example, they can’t take work equipment that is collectively worth less than £1,000. How to value the items and prove they are for work can be a grey area.
If you are worried about Stirling Park, you should contact us immediately by calling the number on top of this page, or by clicking “Get Started for Free”.
Can Stirling Park freeze your bank account?
Yes, in specific situations, they can gain the authority to freeze your bank account, which is known as a bank arrestment. A creditor such as Stirling Park can apply to the courts to force you to pay your debts. In Scotland, these legal steps can include the following four actions:
- Arrestment: freezing of money in a bank account, known as a bank arrestment, or freezing goods, so the third party (for example, a bank) can hand off the assets to the creditor as a debt payment programme.
- Earnings Arrestment: this involves your employer receiving an order to repay your creditor directly from your wages.
- Attachment Order: here a sheriff can seize your possessions such as your vehicles, machinery or other items of value to sell at auction.
- Inhibition: here, the creditor can stop you from refinancing your assets or from selling them for up to five years, unless you repay your debt balance.
It is best not to let your debt situation spiral to the stage that you are facing an earnings arrestment or your bank account is facing bank arrestment. Call a member of our advisor team today to see if we can deal with Stirling Park sheriff officers fo you.
How do you deal with Stirling Park?
You are welcome to get in touch our team for guidance when dealing with debt collection services. Contact us on freephone 0330 1228447.
As one of the largest debt websites in the United Kingdom, we pride ourselves on dealing with a high amount of debt related queries while treating our clients as individuals. We request feedback from everyone to help to make sure that we are getting it right.
We deal with a variety of debt solutions and a wide range of debt companies, so we make sure you get the debt solution that best meets your needs.
What powers do sheriff officers have in Scotland?
A Stirling Park sheriff officer is a representative of the Scottish court, not a police officer. They may be self-employed professionals or employees of a company.
Stirling Park sheriff officers have the power to enforce a court order. A court order concerning a debt could involve the following:
- Forcing the repayment of a debt
- Delivering important legal documents
- Entering your home if the official court documents specify this.
Stirling Park sheriff officers with the right authorisation can use reasonable force to enter your property for debt collection services, which can include:
- Breaking a window
- Forcing a door
- Breaking a lock
What can a sheriff officer do with a summary warrant?
The Sheriff Court may grant a summary warrant for specific debts relating to HMRC and local authorities, such as overdue council tax.
The first step following the summary warrant is to issue a Charge for Payment that gives 14 days for the debtor to pay all the money owing in full before the debt escalates to more formal recovery action.
If the summary warrant relates to a local authority matter, such as council tax, it’s possible to apply for a ‘Time to Pays Direction’. This intervention can protect the individual who owes the money from further action.
Debts relating to parking fines or contravention of a bus lane often result in a penalty charge notice, which does not need to be endorsed by a court. Following this, you are likely to receive a Charge Certificate which has a warrant for lawful execution by a sheriff officer.
Stirling Park Frequently Asked Questions
How do I contact Stirling Park?
If you have received a letter or a phone call from Stirling Park or even a visit from Stirling Park sheriff officers, then you are welcome to contact our advisors on freephone 0330 1228447 to see if we can connect you with debt advice and deal with them on your behalf.
If you want to contact Stirling Park directly, you can contact their customer support centre by:
- Phone number: 01563 546 518
- Post: Stirling Park LLP, 25 Bank Street, Kilmarnock, KA1 1HA
- Email: firstname.lastname@example.org
Make sure you have the critical information to hand, such as:
- Your debt documentation
- Your customer reference number
What if I have a complaint about Stirling Park?
Stirling Park have a dedicated complaint team that you can contact if you have a complaint about the company or Stirling Park sheriff officers. You can write to them at the following addresses:
- By post: Compliance Manager, Stirling Park, 25 Bank Street, Kilmarnock, KA1 1ER
- By email: email@example.com
Include the following details in your complaint:
- Your name
- Your contact details
- Any communication preferences
- The subject of and situation related to your complaint
If you are not satisfied with how Stirling Park handle your complaint, then you can escalate it to the company’s governing body, which is the Society of Messengers at Arms & Sherrif Officers.
We recommend that you keep copies of the letters that you send.
How can I pay Stirling Park?
Stirling Park accept payments in the following ways:
- Online payment by debit card and credit card
- Direct debits
- Payment plan – this involves sending them a proposal which they can accept or decline
- Standing order
Where can I turn to for free debt advice about Stirling Park?
Stirling Park sheriff officers can be intimidating. If you owe money to Stirling Park and you are receiving contact from Stirling Park sheriff officers, you don’t have to deal with this on your own. The following independent organisations all offer free debt advice:
- Money Advice Service
- National Debtline
- Money Advice Scotland
- Citizens Advice Scotland
You can also contact our staff at IVA Advice who will take the time to understand your case and do their best to help you with some concrete next steps. Don’t despair; there is always something that you can do to get control over your money situation.
Are Stirling Park likely to forget my debt?
Sadly no. Stirling Park keep up-to-date records on the identity of all of their debtors, what contact methods they have tried, the response and the total debt bill so far, before further collection charges. Their staff access this information purely to recoup as much of your money as possible.
How much are sheriff officers fees at Stirling Park?
Stirling Park sheriff office fees are set by the court as fixed fees and include the following rates:
Fees relating to a bank attachment or an earnings attachment:
- For a balance of £681 and under: £96.80
- Value from £681 and up to £2,737: £150.05
- Value from £2,737 and up to £27,564 (some websites incorrectly state a value of £27,654): 10% of the value
- From £27,564 and up to £137,809: 10% of the first £27,564 and 5% of the rest
- For a value of over £137,809: 10% of the first £27,564, 5% of the amount from £27, 565 up to £137,809, and 1% of the rest
Stirling Park charge the following when seizing one possession or a range of belongings:
- £79.00 to arrange the possession
- £145.90 to both arrange and carry out the possession
Stirling Park charge the following fees for circumstances relating to Attachment Fees
- To report the attachment to the local authority: £9.20
- Providing a notice of entry: £11.05
- Unsuccessful attachment: £82.70
Stirling Park charge these business fees relating to services for Document Fees
- Postal service: £17.60
- Postal diligence: £38.95
- Service of a summary warrant (for example, for council tax debt): 10% of the amount owing
- Serving a document to each person at a different address: £78.10
- Service of a document to each additional person at the same address: £17.60
Fee for organising and for Stirling Park sheriff officers to carry out the attachment of cars or heavy machinery
- Good valued at £681 and under: £80
- Value between £681 and up to £3,028: £150.05
- Value of over £3,028 and up to £137,809: 5% of appraised value
- Value over £137,809: 5% of the first £137,809 and 1% of the remaining value
What is a messenger-at-arms?
Like a sheriff officer, a messenger-at-arms is an officer of the court, and they also collect debt following a court order. A sheriff officer’s authority is on a regional basis whereas a messenger at arms has permission from the Scottish Court of Session to operate throughout the Scottish nation.
What is a bank arrestment?
A bank arrestment is a legal form of debt recovery according to Scottish Law, whereby the court grants an order for a bank to freeze the account of a debtor. The purpose of this is to allow the money in the account to be transferred to the creditor, which takes place in two scenarios:
- The debtor signs a mandate giving their consent for their money to transfer to the creditors. Otherwise, the debtor has the option to make an application to appeal to the authorities at this stage.
- 14 weeks pass with a hold on the money, and the debtor has not objected to this arrangement.
What is an earnings arrestment?
An earnings arrestment is a common way for Scottish debt agencies to gain control of how they recover funds from an individual who owes them money. They take a cut of the individual’s wages from their job, before there is an opportunity for it to disappear through other expenditure. This method should not leave the debtor without sufficient funds to pay necessary types of bills from their income, such as their rent.
What is a summary warrant?
The Sherrif Court may grant a summary warrant concerning local authority debts, such as overdue council tax, or HMRC debt.
What is sequestration?
Sequestration is another term for bankruptcy. This arrangement has serious consequences for your credit rating. A consumer may struggle to successfully apply for any form of credit in the future, such as loans or even a bank account. It can have severe career consequences for anyone who works in the financial sector such as accountancy, banking or insurance, in particular. An IVA is an alternative to bankruptcy for someone who can afford the repayments.
Does the FCA regulate Stirling Park?
At the time of writing, the FCA’s website does not list Stirling Park as one of their regulated companies. It is not a UK ltd registered in England and Wales.
Can a debt collector send me to prison?
No. A debt collector can make your life very difficult by pursuing you for the money you odd and adding extra charges such as interest, but they cannot send you to jail.
Do Stirling have offices at 16 Nelson Street in Kilmarnock?
Several independent websites list this address. According to Stirling’s official website which they author, their Kilmarnock address is 25 Bank Street, Kilmarnock, KA1 1HA.