Debt recovery in Scotland

Aberdein Considine

Aberdein Considine's extensive roster of lender clients is testimony for the team's 'strength in banking sector work', which includes secured mortgage litigation, asset recovery and mortgage fraud matters alongside other types of residential and commercial banking litigation. Myra Scott heads the team. Leonie Donald left private practice in July 2018 while lender services expert Laura Browne was appointed consultant January 2019.

Practice head(s):

Myra Scott

Other key lawyers:

Laura Browne; Ross Webb


The firm has managed to find the perfect balance between corporate governance, first-class service and client management.’

They continue to look for innovative ways to enhance a customer experience whilst maintaining a high standard of quality.

No matter who you deal with at Aberdein Considine, you are always treated as an individual and not a number.

Offers a wide range of debt recovery services all to a high standard.

Key clients

Lloyds Banking Group


Royal Bank of Scotland (RBS)

Yorkshire Building Society (YBS)

TSB Bank


Just Retirement

Pepper (UK)

Virgin Money


West Bromwich Building Society

Atom Bank

Brodies LLP

Brodies LLP routinely handles debt and asset recovery work for banks and other financial institutions, debt purchasers and debt collection agencies as well as utility providers. Stephen Goldie and Iain Rutherford jointly head the 'very professional' team.

Practice head(s):

Stephen Goldie; Iain Rutherford


The team’s attitude to their clients and work sets a very good example within the industry.

They have sound knowledge about the Scottish debt recovery and litigation process.’

The team is quick to respond and answers any questions you may have, despite the busy caseload they have.’

Key clients

Moneybarn No.1 t/a Moneybarn

Scottish Water Business Stream t/a Business Stream


Credit Style

PRA Group (UK)


Work highlights

  • Acting as Clearwin’s sole supplier of collections and litigation services in Scotland in relation to pursuing customers for unpaid contract sums.

Morton Fraser

Morton Fraser is well versed in advising FCA-regulated clients and other lenders on internal processes and FCA requirements but the team led by Bill Stark also provides wide-ranging debt recovery services to public and education sector clients as well as self-invested personal pension (SIPP) providers, PLCs, SMEs and individuals.

Practice head(s):

Bill Stark

Other key lawyers:

Maggie Moodie; Nicola Ross


‘We find Morton Fraser to be very responsive and they provide very good advice. We feel confident in their abilities to get good results for our clients. Their communication lines are excellent so we know what is happening with each case.’

‘The firm’s solicitors are very interactive and thoughtful. ‘

Key clients

Glasgow Credit Union

Advantedge Commercial Finance (North)

Commsave Credit Union

Central Demolition

Marsh Finance


Work highlights

  • Acting for the joint administrators of Extra Energy Supply in the pursuit of unpaid invoices for the provision of gas and electricity.
  • Regular assistance with the recovery of sums as sole supplier of debt recovery services to the Scottish Environment Protection Society.
  • Acting for Glasgow Credit Union and seven other credit unions in the pursuit of unpaid loans.


Providing full-service debt recovery support, Shoosmiths frequently works in close co-operation with its litigation team to assist clients with financial services, commercial business to business and insolvency sector recoveries. The 'excellentRod Macphail heads up the 'strong and very experienced' team.

Practice head(s):

Rod Macphail

Other key lawyers:

Andrew Foyle; Stuart Clubb


Unique offering in the Scottish market place.

They know their stuff.’

Andrew Foyle is very client-focused, hugely experienced and user-friendly.

Competent, thorough and innovative.

They are very proactive in providing alternative solutions.

The team takes a robust but practical approach to all claims.

All in all a complete and very satisfactory service.

High success rates.

Deals with requests quickly and efficiently.

Key clients

Aldermore Bank

Alex M Adamson

Arrow Global

Bibby Financial Services

Breedon Aggregates

Cabot Credit Management

Close Asset Finance

DM Hall

First Response Finance

Hays Specialist Recruitment


Scottish & Southern Energy

Ascent Legal Scotland

Mark Higgins' team at Ascent Legal Scotland is a respected player in the market and acts for many institutional lenders.

Practice head(s):

Mark Higgins

Harper Macleod LLP

With particular strength in the public and housing sectors, Harper Macleod LLP frequently assists clients with the recovery of pension payments alongside rent and other arrears form tenants and factored owners but the team's client roster also includes various commercial entities and financial institutions; the latter receive regular assistance with unsecured debt recovery matters. Dawn McKenzie heads up the 'personable and approachable' team.

Practice head(s):

Dawn McKenzie


Experts in what they do.’

Key clients

National Car Park

Link Group

Sanctuary Scotland Housing Association

Scottish Borders Housing Association

Accountant in Bankruptcy

Matthew Clark Wholesale

John W Grant & Sons

Stirling Park

Cairn Housing Association

West of Scotland Housing Association

Irvine Housing Association

Complete Storage and Interiors

MacRoberts LLP

The 'efficient and totally reliable' team at MacRoberts LLP is co-led by Leon Breakey and Stephen Cowan and best known for its expertise in handling debt recovery work in the property management, financial services, construction and food and drink sectors.

Practice head(s):

Leon Breakey; Stephen Cowan


They are genuinely committed to providing a high level of service and client support.

They take time to properly understand the issues and then deliver pragmatic, balanced and sensible debt recovery advice.

Stephen Cowan displays calm equanimity in the face of challenging, complex and often adversarial situations, and responds quickly and professionally.

Excellent personal one-to-one advice.

Stephen Cowan will always provide an honest opinion on the probable success rate of individual actions.

Key clients

Cemex UK Operations

Speirs Gumley Property Management

Flogas Britain

John Brown Caterhire




Work highlights

  • Instructed by Clyde Scaffolding to recover £200,000 unpaid hire charges.


TLT has a fine reputation for secured and unsecured lending recovery work alongside asset based recovery matters and is most active in the finance, food and drink, retail and energy sectors. Litigators John Paul Sheridan and Tom McEntegart are the main contacts.

Practice head(s):

John Paul Sheridan; Tom McEntegart

Other key lawyers:

Alan Munro; Tony Reynolds


‘TLT provide us with the expertise and knowledge in Scotland that know that very few firms in England can provide. The firm and those whom we deal with are always trying to think outside the box, offering different angles on the Scottish legal system which is often perceived as outdated. This differs with other firms who will just verbatim recite the law and adhere to age-old traditions of recovery.’

‘We’ve worked with John Paul Sheridan for many years. His advice over the years has been spot on and invaluable. The individuals whom I deal with are invariably available to take your call or will call back as soon as they can, if they are not available they will arrange for other just as qualified to discuss the matter or issue.’

‘Tom McEntegart and Louise Chopra are the go-to people for me in TLT.’

Key clients

Lloyds Banking Group

UK Asset Resolution





Target Group

Virgin Money

Landmark Mortgages

Royal Bank of Scotland

Work highlights

  • Acted for NRAM in a contested repossession proceeding to recover a substantial country house in Aberdeenshire.

Anderson Strathern

Anderson Strathern's client roster includes SMEs, public sector bodies and RSLs as well as banks and other financial institutions who regularly instruct the team with a wide range of commercial recovery matters. Property litigator Fiona Stephen and commercial litigator Fraser Geddes are the main contacts. Litigator Gillian Jamieson was elevated to the partnership in September 2018.

Practice head(s):

Fiona Stephen; Fraser Geddes

Other key lawyers:

Alistair Dean; Gillian Jamieson

Key clients

Midlothian Council

Northern Lighthouse Board

JKM Industrial Supply Merchants

Bridgend Garage


Brandon Hire

Hayman Group

Stirling Park

Work highlights

  • Providing a full debt recovery service, predominantly in relation to the recovery of defaulted hire purchase and personal loan agreements.
  • Providing Brandon Hire with the full range of debt recovery matters including issuing letters, court proceedings and enforcement.

BTO Solicitors LLP

BTO Solicitors LLP has a strong profile for property management work, which frequently involves rent arrears, while, as another key area of expertise, banks regularly instruct the 'knowledgeable' team to handle insolvency-related matters. 'Supportive' litigator Grant Hunter is the main contact and also acts in defence of debt recovery actions.

Practice head(s):

Grant Hunter

Other key lawyers:

Dorothy Hatfield; David Young


The firm is very much on the ball and can be relied upon to deliver good results.’

The team is easy to deal with.’

Key clients

Lloyds Bank Group Recoveries Commercial Banking

American Express Services Europe

Coface UK

Cigna Global Health

Mactaggart & Mickel Group

Clyde Valley Group

Life Property Management

Speirs Gumley Property Management

Argyll Community Housing Association (ACHA)

Barony Universal Products

Greenbelt Group

Stena Group

Work highlights

  • Acted for a Scottish hotelier in defence of commercial proceedings brought by a company against the client seeking payment of substantial sums said to have arisen in respect of management and facilities services to a hotel.
  • Ongoing assistance to Life Property Management with the issuance of demand letters and subsequent court actions.  
  • Assisting a landlord with the recovery of significant rent arrears.


Dentons provides commercial and compliance advice on volume debt and asset recovery in the debt purchase, banking and asset finance, utilities, oil and gas and general commercial sectors. Litigators Frank Johnstone and Douglas Blyth are the main contacts; Johnstone enjoys an 'excellent reputation in the market'.

Practice head(s):

Frank Johnstone; Douglas Blyth

Key clients

RCI Financial Services

Clydesdale Bank

Link Financial

Shawbrook Bank

Startline Motor Finance

Network Rail Infrastructure

Toyota Financial Services UK

FCA Automotive Services UK



Agricultural Mortgage Corporation

Ison Harrison

Work highlights

  • Acting for the landlords of a commercial property against its tenants seeking to recover arrears of rental payments.
  • Acting for a Jersey law firm in respect of the recovery of legal fees from a former client based in Scotland.
  • Representing Castle Water in litigation matters throughout Scotland and England to recover outstanding water and sewerage charges.
  • Representing a client in debt recovery matters throughout Scotland and England to recover outstanding maintenance fees from several timeshare resorts.

Gilson Gray

The 'up and coming' team at Gilson Gray is led by David Alexander and acts for a diverse client base, including small local businesses, multinational companies and individuals. Its focus lies on property sector work and recovering debt for commercial entities but the team also defends individuals against payment claims.

Practice head(s):

David Alexander

Key clients

DTW Associates

D. J. Alexander

Stirling Park

Scott & Co

Fife Housing Association

SRA Ventures

Graham + Sibbald

Global Voices

Work highlights

  • Advising on all of MGM Timber’s debt recovery needs, including court actions.
  • Dealing with all debt recovery matters for YESSS Electrical in Scotland.
  • Assisting a commercial landlord with rent arrears.
  • Ongoing support for Scotmid with the recovery of possession and the recovery of outstanding rent, repair and dilapidation costs.

Shepherd and Wedderburn

Much of Shepherd and Wedderburn's workload pertains to the real estate and financial services sectors where the team led by commercial litigator Elaine Brailsford routinely assists with the recovery of debt arising from leases, timeshare management charges and service charges as well as asset recovery and secured and unsecured debt recovery matters.

Practice head(s):

Elaine Brailsford

Other key lawyers:

Alastair Frood; Gillian Carty; Stephen Humphrey


‘We find Shepherd and Wedderburn extremely easy to deal with and very accommodating. Despite already dealing with a notable caseload, they have been able to act very promptly when called upon to do so where other firms may not be so flexible’.

‘Serena Weir has consistently shown to be extremely proficient in her field. Serena is always on hand to offer sound legal advice as well as opinion which is invaluable when our own knowledge of the Scottish legal process is limited. Serena is a pleasure to deal with’.

Key clients

Ernst & Young (EY)

Hermes Unit Property Trust


FRP Advisory

UKAR UK Asset Resolution

Close Brothers

Macdonald Resorts

Paragon Mortgages


The City of Edinburgh Council

National House Building Council (NHBC)

Clydesdale Bank

Work highlights

  • Handling all debt recovery matters for the City of Edinburgh Council, including heritage arrears.
  • Advised Macdonald Resorts on the recovery of unpaid management charges for a variety of timeshare resorts across the UK.