Debt recovery in Scotland

Aberdein Considine

Aberdein Considine’s ‘impressive’ debt recovery team is situated within its wider lender services practice, servicing major corporate, banking, and commercial clients. The team handles mandates concerning fraud, corporate insolvency, and professional negligence claims. Myra Scott co-leads the team alongside head of banking litigation Laura Browne and Newcastle-based Tahir Bashir, with Scott regularly leading on mortgage debts, repossession actions, and securities enforcement issues. The practice is further bolstered by John Di Paola, who regularly handles heritable property matters, and Paul Mcintosh, who acts for a range of major lender clients. Another name to note is Eleanor Hamilton, who assists with unsecured debt enforcement cases.

Responsables de la pratique:

Myra Scott; Laura Browne; Tahir Bashir


Autres avocats clés:

John Di Paola; Paul Mcintosh; Eleanor Hamilton


Les références

‘The team is professional, and pride themselves on providing the right outcomes for clients. They provide a wide range of debt recovery services from pre-arrears to shortfall recovery. The service is always first class with appropriate action taken in a timely manner.’

‘The practice is quick to react and has a good spread of experience and knowledge. The team is approachable and provides expertise at a level appropriate to a firm of this size.’

‘This is an impressive team that attracts a high quality of work.’

Principaux clients

Lloyds Banking Group


Natwest Group plc


The Co-Operative Bank plc


Nationwide Building Society


Virgin Money plc


Skipton Building Society


TSB Bank plc


The Mortgage Lender Limited


Savills plc


Rooftop Mortgages Limited


Atom Bank plc


West Bromwich Building Society


Castlewater


Anderson Strachan


Capital Home Loans


Brodies LLP

Praised for its ‘commercial approach to debt recovery’, the team at Brodies LLP regularly provides litigation and enforcement services to major local and national public companies, including automotive industry clients. Iain Rutherford, Stephen Goldie, and Marianne Griffin jointly lead the team, leading on high-profile commercial litigation cases, enforcement issues, and portfolio management mandates. Another key member of the team, Frank Johnstone boasts ‘exceptional knowledge’, assisting with the full range of services for long-term clients. Laura McMillan  and Lauren Kerr are also recommended, regularly assisting debt collection agencies and banking clients.

Responsables de la pratique:

Iain Rutherford; Stephen Goldie; Marianne Griffin


Autres avocats clés:

Frank Johnstone; Laura McMillan; Lauren Kerr


Les références

‘The debt and asset recovery team at Brodies have extensive knowledge in helping deliver cost effective strategies for the recovery of the most difficult debts.’

‘Frank Johnstone and Marianne Griffin have exceptional knowledge and a real focus on putting their clients first, offering advice to maximise results.’

‘The team culture is always one of bringing a commercial approach to debt recovery. The Brodies team are encouraged to ask questions and understand the issue and end goal, allowing the most appropriate solution to be offered.’

Principaux clients

Scottish Water Business Stream


PRA Group


Toyota Financial Services


CA Auto Finance UK


MotoNovo Finance


Morton Fraser MacRoberts

Acting for major banking, credit union and lender clients, the debt and asset recovery team at Morton Fraser MacRoberts is well-known in the market for its handling of cases concerning insolvency, alleged fraud and breach of duty. Nicola Ross further broadens the practice’s offering for asset finance clients seeking advice on all related contentious matters. Ross co-leads the team alongside Leon Breakey and Denise Loney, who have experience in commercial litigation and debt recovery mandates respectively. Jennifer Andrew is another highly active member of the team, working closely with SIPP providers, while Debbie Brogan is noted for her expertise in the automotive industry.

Responsables de la pratique:

Nicola Ross; Leon Breakey; Denise Loney


Autres avocats clés:

Jennifer Andrew; Debbie Brogan


Les références

‘The team at Morton Fraser MacRoberts are professional and approachable. They are excellent at communicating and forthcoming with advice and options in next stage processes.’

‘Well organised team with excellent communication skills.’

‘Effective an efficient across the board.’

Principaux clients

Bibby Group of Factors


Lloyds Bank Commercial Finance


Glasgow Credit Union


Handelsbanken


Investec


Kennet Equipment Leasing Limited


MI Vehicle Finance Ltd


Curtis Banks


Lowther Homes Limited


Marsh Finance Ltd


NHS Credit Union


Cemex UK Operations Limited


Kingston Park House Limited


Pointer Limited


Flogas Britain Limited


Stallan Brand Architecture


Speirs Gumley Property Management Limited


UK Search Limited|UK Credit


Principaux dossiers


  • Advised Lowther Homes Limited on a large scale project to recover substantial arrears due to them for property management fees.
  • Advised Bibby, Lloyds Bank Commercial Finance, Close Brothers Invoice Finance, Sallyport and e-Capital in the recovery of sums due to them from assigned invoices and guarantors.
  • Advised Kingston Park House Limited in a highly contested liquidation petition regarding a large debt.

Shoosmiths

The debt and asset recovery practice at Shoosmiths LLP regularly services banking and building society clients, energy sector companies, and construction industry providers on credit management matters, asset services and insolvency processes, with additional experience in litigation and enforcement cases. Praised as ‘excellent and knowledgeable’, Andrew Foyle spearheads the ‘astute, user-friendly and experienced’ team alongside Stuart Clubb, handling the full range of financial regulatory matters. Sophie McNally is another key contact in the team.

Responsables de la pratique:

Andrew Foyle; Stuart Clubb


Autres avocats clés:

Sophie McNally


Les références

‘Andrew Foyle oversees a well-resourced and experienced team, managing the day-to-day caseload meaning our instructions are handled quickly and efficiently. Advice on challenging matters is readily provided by Andrew and his colleagues.’

‘Andrew Foyle is very experienced and a safe pair of hands.’

‘We work with Andrew Foyle and Stuart Clubb, who are both excellent and knowledgeable. They are very accessible when needed and understand what their client wants.’

Principaux clients

ADI Gardner


Breedon Group


Cabot Credit Management


Calor Gas


Castle Water


Cumberland Building Society


DM Hall LLP


First Response Finance Limited


Leeds Building Society


MKM Building Supplies


Ovo Energy


PPL PRS Limited


Propel Finance


Screwfix


Speedy Asset Services


Principaux dossiers


  • Acted for a supplier to the construction industry in a case which challenged their standard documentation, and in particular whether the wording within their application form constituted a personal guarantee by the director.
  • Appeared as solicitor advocate in the Court of Session to oppose an application for leave to appeal by a customer of a lender in a long-running action.
  • Acted for a utilities provider in relation to a case involving a corporate structure being used for the purposes of avoiding liabilities for the supply of utilities to a number of properties used as holiday lets.

DWF

The finance litigation and debt recovery practice at DWF ‘provides a one-stop shop for Scottish litigation and enforcement activities’, handling a broad range of related matters concerning debt purchase and commercial debt. Lauded as an ‘expert in the field of Scottish litigation’, Ricky Cannon leads the practice and showcases expertise in motor finance disputes. Danny McClymont assists with consumer credit and debt portfolio issues and Garry MacInnes is another key contact in the group.

Responsables de la pratique:

Ricky Cannon


Autres avocats clés:

Danny McCylmont; Garry MacInnes


Les références

‘The team provides a one-stop shop for Scottish litigation and enforcement activities. They strive to deliver optimal performance and take the bigger picture into account to determine if a case is cost-viable and correct to pursue.’

‘Ricky Canon is an expert in the field of Scottish litigation, he is always available when needed to support with simple or complex issues. If there’s nothing Ricky doesn’t know about Scottish litigation its probably not worth knowing.’

‘Ricky Cannon is always engaging, knowledgeable and quick to act for our requirements. Specific expertise in motor industry finance and consumer law are delivered in an effective way for our needs.’

Principaux clients

BMW Financial Services


Alphera Financial Services


Alphabet Financial Services


Santander Consumer Finance


Barclays Partner Finance


Moneybarn Motor Finance


Startline Motor Finance


Hyundai Finance


Volvo Finance


Stellantis Finance


Just Digital Marketplace


Scottish Water Business Stream


Clear Business Water Limited


Park’s Motor Group


Sun Belt Rentals


Intrum


Gilson Gray

A ‘go-to firm’ for debt recovery, Gilson Gray’s practice sits within the firm’s wider litigation practice, and handles a wide range of commercial real estate and consumer rights issues. David Alexander, ‘a leading expert in his field’, advises on matters concerning business to business recoveries and recovery of possession of properties, including land, flats and motor vehicles. Other key contacts in the group include Rosie Walker and Scott Runciman.

Responsables de la pratique:

David Alexander


Autres avocats clés:

Rosie Walker; Scott Runciman


Les références

‘David Alexander has been our go-to contact for the simple reason of a swift turnaround of instructions and the breadth of his knowledge and expertise, while always being commercial.’

‘The team are very friendly and keep you up to date with what is going on with each case.’

‘The firm is approachable and collaborative in its approach to debt recovery services. They are the the go-to firm of choice.’

Principaux clients

Grant Thornton UK LLP


Donaldson Timber Engineering Limited


Banco Santander S.A


Glenwood Construction Recovery


Muckle LLP


Knights Professional Services


Abertay Housing Association


Mole Valley Feed Solutions


Principaux dossiers


  • Instructed to recover a significant sum on behalf of Stratum Drilling Solutions Limited. Proceedings were raised and defended on the basis that the sums being sought were not due in terms of the parties’ contract.
  • Instructed by Banco Santander, S.A in Spain to carry out a collection exercise with regards to recovery of significant funds from over 80 customers now residing in Britain.
  • Instructed by Pico Business Solutions Limited to recover significant sums with regards to fees due to them under an international commercial contract with regards to payment of temporary staff.

Harper Macleod LLP

Harper Macleod LLP’s ‘well-established debt recovery practice’ houses a ‘large team of knowledgeable and experienced individuals’, who regularly act for public sector clients, individuals, and SMEs on a range of debt-related mandates. Natalie Dissake jointly leads the team alongside Andrew Hunter, providing long-term advisory services to clients and handling heritable property-related matters. The team is further bolstered by Eilidh Crawford and Lyndsay McMahon, who assist on litigation and insolvency mandates.

Responsables de la pratique:

Natalie Dissake; Andrew Hunter


Autres avocats clés:

Eildih Crawford; Lyndsay McMahon


Les références

‘The team actively listen to our needs, tailor legal solutions, and maintain transparent communication throughout the process. Quick to respond, and great at keeping us up to date.’

‘Well-established debt recovery practice with large team of knowledgeable and experienced individuals, handling case work efficiently and effectively.’

‘Andrew Hunter and Natalie Dissake provide excellent advice when required.’

Principaux clients

Scottish Borders Housing Association


Accountant in Bankruptcy


Octopus Energy Limited


John W Grant & Son Limited


Stirling Park LLP


Travis Perkins Trading Company Ltd


HSS ProService Limited


City of Edinburgh Council


Matthew Clark Wholesale


NSCB Premium Finance Limited


Forsyth of Denny Limited


Scottish Government Debt Recovery


BDO LLP


TLT

TLT handles a range of debt recovery mandates, including secured recoveries, landlord disputes and insolvency-related matters. John Paul Sheridan leads the practice, servicing commercial energy and banking clients, while Louise Chopra appears regularly at Sheriff Courts throughout Scotland.

Responsables de la pratique:

John Paul Sheridan


Autres avocats clés:

Louise Chopra


Les références

‘A knowledgeable team who are always on hand to offer advice.’

‘John Paul Sheridan and Louise Chopra are knowledgeable and excellent communicators.’

Addleshaw Goddard

Jointly led by finance litigator Lynsey Walker and Alan Sinclair, Addleshaw Goddard’s multidisciplinary team showcases ‘strength in depth’ in handling asset recovery-related disputes for banking clients and insolvency practitioners. The team has experience in insolvency litigation, payment defaults, and heritable security-related matters. Simon Catto spearheads the litigation practice and is another key contact in the group.

Responsables de la pratique:

Lynsey Walker; Alan Sinclair


Autres avocats clés:

Simon Catto


Les références

‘Always approachable with any query or problem, and focused on pragmatic solutions.’

‘Lynsey Walker is key contact at Addleshaw Goddard. Her experience in creating solutions are the real benefit to AG. She is without doubt an asset to the firm.’

‘Alan Sinclair provides confidence with the advice we can take to our public sector clients and has gained considerable experience in this area.’

Principaux clients

Promontoria (Henrico) Limited


Promontoria (Chestnut) Limited


Clydesdale Bank plc / Virgin Money plc


Natwest/Royal Bank of Scotland plc


Aldermore Bank plc


Shawbrook Bank


DF Capital


Assetz SME Capital Limited


Siemens Financial Services Limited


Armada Asset Finance


FRP Advisory LLP


Johnston Carmichael


Close Invoice Finance Limited


Carden Place


Castle Water Limited


Scottish Woodlands Limited


Eastern Western Motor Group Ltd


Park Property Management


Scottish Police Credit Union


Tail O’The Bank Credit Union


Kelvinside Academy


Ethigen Pharmaceutical


Larkhill Properties Limited


Visionhold Limited


Hibernian Football Club


ORD Industrial & Commercial Supplies Limited


UK Fuels Ltd


Scottish Decorators Federation


Aitken’s Sportsturf Limited


Macpherson Lawn Turf


Shire Housing


Ayrshire Housing


Abertay Housing Association


C-urb 6 Ltd trading as C-urb Factoring


C-urb 6 Ltd trading as C-urb PSL


Linstone Housing Association Ltd


Paragon Housing Association Ltd


Grampian Housing Association Ltd


Cambridge & Counties Bank Limited


Anderson Strathern

Anderson Strathern’s specialist team acts for both public and private sector clients, and is frequently instructed on fee recoveries, negotiations and court proceedings. Gillian Murray leads the team, focusing on commercial debt recovery and litigation, while Fiona Stephen’s real estate experience further bolsters the practice. Fraser Geddes is another key member of the team and handles contentious asset mandates in distressed sectors.

Responsables de la pratique:

Gillian Murray


Autres avocats clés:

Fiona Stephen; Fraser Geddes


Les références

‘Good knowledge and communication, keeping us informed of progress at each step.’

‘They have deep knowledge of the property sector and recovery of outstanding amounts due by clients. They are able to handle the actions raised with confidence and achieve satisfactory outcomes.’

‘Gillian Murray is approachable and friendly.’ 

Principaux clients

Style Scotland Limited


Stirling Park


Hacking & Paterson Management Services


Firstport Property Services


Lancefield Quay Riverside


Residential Management Group


Will Rudd Davidson


City of Edinburgh Council


Principaux dossiers


  • Advising the City of Edinburgh Council on debt recovery services matters.
  • Advising Hacking & Paterson Management Services in respect of unpaid fees for factoring services rendered.
  • Advising Stirling Park on a wide range of debt recovery matters.

BTO Solicitors LLP

Led by Grant Hunter, the ‘experienced and efficient debt recovery unit’ at BTO Solicitors LLP advises on secured and unsecured recoveries, with additional experience in insolvency litigation, liquidation mandates and damages claims. Other key contacts in the group include Angus Wood and Kirsteen Maclean.

Responsables de la pratique:

Grant Hunter


Autres avocats clés:

Angus Wood; Kirsteen Maclean


Les références

‘Kirsteen Maclean is most helpful, explains everything and is excellent in answering any questions we have.’

‘They are knowledgeable, professional and can provide easy-to-understand solutions for litigation and debt recovery cases.’

‘Kirsteen Maclean and Grant Hunter have been absolutely excellent. They are approachable and down to earth, and this is something we rate highly.’

Principaux clients

American Express Services


Atradius Collections


Coface UK Limited


Lloyds Banking Group


Barchester Care Homes Limited


Greenbelt Group


RMG Scotland Limited


First Bus Group


Robert Jones Glasgow Limited


Stena Line Ports Limited


The LSS Group


James Gibb Property Management Limited


Scott and Co, Sheriff Officers


United Wholesale Limited


Debt Collect UK Limited


Scottish Football Association


Link Group


Coyle Personnel Limited


FedEx Express UK Limited


Puma UK


Volvo Group Limited


Apex Resources Limited


Allma Construction Limited


Briar Homes Limited


Davis Track Hire Limited


Shawfair LLP


BDO LLP


Barony Universal Products plc


Mctaggart & Mickel Group


GDK International Limited


Pendragon PLC


Isle of Arran Distillers Limited


SRJ (Scotland) Ltd


Invervar Hydro Development Limited


Gerald Eve LLP


Aberdeen City Council


Peter Cusack Property Consultancy


Integrated Environmental Solutions


The Corum Partnership


B-Spokes Deliveries Limited


Angus Dundee Distillers


Contract Heating Limited


Principaux dossiers


  • Handling all credit card debt recovery litigation in Scotland for American Express Services Europe Limited.