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The Mental Health Moratorium

Wed, 31 Jul 2024 00:00:00 GMT

The Bankruptcy and Diligence (Scotland) Bill was passed by the Scottish Parliament on 6^th June 2024. It is not yet known when it will come into force, but an important milestone has been passed.

Yuill + Kyle Training Academy: Statutory Demands

Mon, 08 Apr 2024 00:00:00 GMT

In this episode of the Yuill + Kyle Training Academy series, Denise Loney and Stephen Cowan discuss statutory demands.

Yuill + Kyle Training Academy: Scottish Judgment Enforcement

Fri, 05 Apr 2024 00:00:00 GMT

In this episode of the Yuill + Kyle Training Academy series, Denise Loney and Stephen Cowan discuss Scottish judgment enforcement.

Yuill + Kyle Training Academy: Ordinary Cause Procedure

Thu, 04 Apr 2024 00:00:00 GMT

In this episode of the Yuill + Kyle Training Academy series, Denise Loney and Stephen Cowan discuss court procedure, in particular ordinary cause procedure.

Yuill + Kyle Training Academy: Simple Procedure

Wed, 03 Apr 2024 00:00:00 GMT

In this episode of the Yuill + Kyle Training Academy series, Denise Loney and Stephen Cowan discuss court procedure, in particular simple procedure.

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Credit Control Tips

Tue, 26 Sep 2023 00:00:00 GMT

Below we share some useful credit control tips that can act as a useful aide to ensure that you get paid for your products and services.

Who guards the guardians?

Wed, 30 Aug 2023 00:00:00 GMT

With the Financial Conduct Authority playing a pivotal role when it comes to the granting of consumer credit to individuals, it is no doubt alarming to learn that it is under attack from scammers who are impersonating the authority.

Bank's liability for customer fraud: Supreme Court gives its decision

Fri, 18 Aug 2023 00:00:00 GMT

The Supreme Court has given its eagerly awaited decision in the case of Philipp against Barclays Bank UK plc.

Yuill + Kyle Training Academy: Pre-Sue Letters

Tue, 02 Apr 2024 00:00:00 GMT

In this episode of the Yuill + Kyle Training Academy series, Denise Loney and Stephen Cowan discuss pre-sue letters (letters before action).

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Y+K Training Academy

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Demystifying the legal process of debt recovery in Scotland

The new consumer duty: Why all the fuss?

Tue, 25 Jul 2023 00:00:00 GMT

All those involved in consumer credit will have to take notice of the Financial Conduct Authority’s new "consumer duty" which comes into force on 31 July 2023 and will set higher and clearer standards of consumer protection across financial services.

Loan sharks: Is there a solution?

Mon, 03 Jul 2023 00:00:00 GMT

The issue of illegal money lending and providing access to credit to the most disadvantaged in society is, perhaps, easily explained. However, the solution is not so simple.

The Bankruptcy and Diligence (Scotland) Bill: Some new changes and tidying up of the old

Wed, 10 May 2023 00:00:00 GMT

The Bankruptcy and Diligence (Scotland) Bill introduces a number of measures which modify current diligence (judgment enforcement) measures, to either improve them or clarify some of their provisions.

Experiencing technical difficulties: An unforeseen consequence of the rise in online banking for creditors in Scotland?

Fri, 03 Mar 2023 00:00:00 GMT

We explore the impact of the increase in online banking on creditors in relation to bank arrestment.

Review of Scottish Judgment (diligence) Enforcement

Mon, 17 Oct 2022 00:00:00 GMT

The Scottish Government’s ministerial forward to Scotland’s stage two diligence review cites a number of factors for its necessity, including the pandemic and cost-of-living crisis.

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Claiming interest and collection costs: Recovering your debt could cost you nothing

Mon, 01 Aug 2022 00:00:00 GMT

The Late Payment of Commercial Debts (Interest) Act 1986 may entitle you to recover interest and collection costs on your debt.

Tips to shield your business from bad debt

Wed, 15 Jan 2020 00:00:00 GMT

We consider a few helpful ways in which you can shield your business from bad debt.

Calling up the Guarantee

Thu, 14 Jul 2022 00:00:00 GMT

Directors' Guarantees

Thu, 14 Jul 2022 00:00:00 GMT

Parent Company Guarantees

Thu, 14 Jul 2022 00:00:00 GMT

Personal Guarantees

Thu, 14 Jul 2022 00:00:00 GMT

Practical advantages of Third Party Guarantees

Thu, 14 Jul 2022 00:00:00 GMT

Third Party Guarantees

Thu, 14 Jul 2022 00:00:00 GMT

Prevention is better than cure: How to secure payment from third parties

Thu, 14 Jul 2022 00:00:00 GMT

Guarantees in general

Thu, 14 Jul 2022 00:00:00 GMT

What should you do if you are unable to contact the payer?

Thu, 14 Jul 2022 00:00:00 GMT

What should you do if your customer's cheque bounces?

Thu, 14 Jul 2022 00:00:00 GMT

How should you deal with post-dated cheques?

Thu, 14 Jul 2022 00:00:00 GMT

How to collect outstanding accounts

Thu, 14 Jul 2022 00:00:00 GMT

Limited Liability Partnerships

Thu, 14 Jul 2022 00:00:00 GMT

Retention of Title

Thu, 14 Jul 2022 00:00:00 GMT

Battle of the Forms

Thu, 14 Jul 2022 00:00:00 GMT

How can you implement credit terms with a new business?

Thu, 14 Jul 2022 00:00:00 GMT

Why should you have a written contract?

Thu, 14 Jul 2022 00:00:00 GMT

Business Names Act 1985

Thu, 14 Jul 2022 00:00:00 GMT

Confusion over trading names

Thu, 14 Jul 2022 00:00:00 GMT

Why should your customer's identity be important?

Thu, 14 Jul 2022 00:00:00 GMT

Credit Control: Some practical advice

Thu, 14 Jul 2022 00:00:00 GMT

Why should you take up bank and trade references?

Thu, 14 Jul 2022 00:00:00 GMT

Why is your sales ledger important?

Thu, 14 Jul 2022 00:00:00 GMT

What should your Terms and Conditions of Sale contain?

Thu, 14 Jul 2022 00:00:00 GMT

How do you assess your customer's credit risk?

Thu, 14 Jul 2022 00:00:00 GMT

How can you assess what a customer is worth?

Wed, 13 Jul 2022 00:00:00 GMT

What should your credit policy contain?

Mon, 01 Jan 0001 00:00:00 GMT

Credit Clinic

Why should you have an effective control policy?

Wed, 13 Jul 2022 00:00:00 GMT

Basic Legal Resources

Legal Issues

Credit Control

Are you concerned about your debtor’s solvency?

Denise Loney Appointed as Managing Director of Yuill + Kyle

Thu, 21 Oct 2021 00:00:00 GMT

Yuill + Kyle has appointed Denise Loney as its new managing director.

CICM: Managing Credit in a Crisis

Mon, 01 Jan 0001 00:00:00 GMT

The Chartered Institute of Credit Management (CICM) is the world’s largest recognised professional body for the credit management community. As well as facilitating professional qualifications, the Institute’s members have access to a host of resources. For example, their “Knowledge Hub” covers such subjects as “credit risk” and “legal and compliance”, as well as “skills builder”.

Scottish courts to resume debt recovery actions: We're back in business!

Thu, 28 May 2020 00:00:00 GMT

Since lockdown began on 23 March, none of Scotland’s 39 sheriff courts have been processing debt recovery actions. Following the Scottish Government's announcement that we will enter Phase 1 of easing of the lockdown restrictions, the SCTS has confirmed that, as of 29 May, the following will apply.

Revolution – not evolution!

Thu, 17 Sep 2020 00:00:00 GMT

The immediate effect of the coronavirus pandemic required Yuill + Kyle to move swiftly to working from home. This was successfully achieved thanks to the sterling efforts of MacRoberts’ IT contingent along with the Y+K debt team.

Statutory Demands: A little warning about costs

Mon, 10 Jul 2017 00:00:00 GMT

Great emphasis has already been made about the use of statutory demands. Their popularity stems from the fact that they can be processed quicker than most court actions and often at a lesser cost. Remember that when a court action has to be raised, money has to be paid into court. In Scotland these are known as ‘warrant dues’, in England issue fees.

Please accept our profuse apologies: Yuill + Kyle are terribly sorry…

Thu, 20 Jul 2017 00:00:00 GMT

So it’s now official. You can apologise in Scotland for a mistake without the apology affecting your legal liability.

It’s quicker and cheaper to litigate in Scotland: no debt pre-action protocols!

Thu, 14 Sep 2017 00:00:00 GMT

Just to remind you that because the English debt pre-action protocols do not apply to Scotland, you may find it quicker to commence litigation against Scottish debtors by instructing us direct.

If you charge compensation for collecting overdue debts then read this

Thu, 12 Oct 2017 00:00:00 GMT

Most creditors are familiar with the Late Payment of Commercial Debts (Interest) Act 1998 which entitles them to interest for late payments and the right to claim reasonable debt recovery costs, unless the supplier has acted unreasonably.

Practical solutions which will remedy slow payment and improve cash flow

Fri, 28 Sep 2018 00:00:00 GMT

As Stephen Cowan tells Scottish Business Insider, there are a variety of common sense measures which businesses can take to reduce the negative effects of bad debt.

Can a written contract be orally modified when it states that it can’t?

Thu, 17 Jan 2019 00:00:00 GMT

How long can I continue to chase what I am owed? Is there a legal time limit that will prevent me from pursuing unpaid invoices? These are common questions that debtors have regarding monies owed to them that we aim to explore in this blog.

Collecting debts: how long do you have?

Sat, 09 Mar 2019 00:00:00 GMT

The importance of terms and conditions when carrying out business

Tue, 26 Mar 2019 00:00:00 GMT

Why are your terms and conditions of doing business important? In particular, why are non-standard terms so important? And how are they relevant to avoiding or recovering unpaid debts?

Summary warrants: could you get bitten?

Fri, 05 Apr 2019 00:00:00 GMT

Stephen Cowan looks at summary warrants and the powers and effects they can have.

Name that Name: Phoenix Companies – a peculiar Scottish problem?

Tue, 04 Jun 2019 00:00:00 GMT

What is Phoenixing and why do you need to know about it?

Tips for SMEs when dealing with debt recovery

Wed, 05 Jun 2019 00:00:00 GMT

Small businesses are particularly at risk when it comes to unpaid debts. Even just a couple of late payments could put your business in a difficult situation, and as a result, it is essential that you take an active role in debt recovery.

Six ways to improve your chances of getting paid on time

Wed, 19 Jun 2019 00:00:00 GMT

Late payments are a serious problem for Scottish and UK businesses. The Government has taken steps to tackle the late payment crisis, but there are a number of steps small businesses can take to mitigate the risk of late payment.

Glasgow: "No Mean City"

Tue, 16 Jul 2019 00:00:00 GMT

Does Glasgow still deserve the “no mean city” epithet? Thousands of women employed by the city council will say that it does. And why should this be so?

Who is Nicholas Wilson and why did he encourage HSBC to do the “right thing”?

Fri, 19 Jul 2019 00:00:00 GMT

You couldn’t successfully argue that Nicholas Wilson wasn’t persistent. That’s because he spent 16 years on a crusade to establish that HFC Bank and John Lewis Financial Services had overcharged thousands of people on debt payments. Both lenders are now part of HSBC.

Don’t let limitation prevent your business reclaiming debt

Thu, 12 Sep 2019 00:00:00 GMT

Many business owners are unaware of the different limitation periods for reclaiming debts in Scotland and England. Failure to observe these strict time limits could make all the difference to the success of your business or have severe repercussions for cash flow and even solvency.

The Dickensian Era of George the 4th: Can we move forward from civil imprisonment?

Wed, 25 Sep 2019 00:00:00 GMT

Whilst debtors' prison prevailed in England in the 19th century, the more enlightened Scottish experience was entirely different, with the imprisonment for the non-payment of fines having been abolished as far back as 1880.

Can liquidation be used as a form of debt collection?

Tue, 15 Oct 2019 00:00:00 GMT

The case of Sell Your Car With Us Ltd v Sareen, decided in the English High Court in 2019, is a timely reminder that insolvency proceedings can be used as a form of debt collection, even although some judges frown upon the practice.

Could Your Debtor Become Insolvent? Know the Warning Signs

Tue, 29 Oct 2019 00:00:00 GMT

Facing debt and cash flow problems is challenging for any business. However, where a debtor, supplier or client becomes insolvent, this could cause you great financial difficulty. Here, we provide an overview of the signs that indicate a business may be approaching insolvency and set out the steps you can take to mitigate your losses.

Protected Trust Deeds: What are they and why have their numbers increased?

Mon, 11 Nov 2019 00:00:00 GMT

A Scottish Trust Deed is similar to bankruptcy but perhaps without all the bells and whistles. Once the debtor enters into a Protected Trust Deed (PTD) he is committed to an agreed payment schedule. Ultimately, creditors will receive a small percentage dividend although this can often be lower than what they will receive if the debtor had been made bankrupt.

Are retail giants making a credit fortune from consumers?

Wed, 04 Dec 2019 00:00:00 GMT

The Times has reported that some of Britain’s largest retail stores are plunging shoppers into record levels of debt. The paper accuses the stores of allowing many shoppers easy access to credit facilities which charge up to 30% of interest on outstanding balances.

Cross-border enforcement between England/Wales and Scotland - Webinar Q&A

Fri, 17 Jan 2020 00:00:00 GMT

Stephen Cowan answers some of the questions raised during a recent CPD webinar with The Sheriffs Office on the topic of cross-border enforcement between England & Wales and Scotland.

A quick guide to Scottish debt recovery

Mon, 17 Feb 2020 00:00:00 GMT

Many English solicitors are mystified with Scotland’s procedures for the recovery of undisputed debt. This should not be the case. Like our English cousins, ultimately the process involves disposing of a debtor’s moveable property for auction and sale or to put it more prosaically “to convert the court’s judgement into cash”.

Phoenix Companies and Debt Evasion

Mon, 09 Mar 2020 00:00:00 GMT

In ancient Greek folklore a phoenix was a bird which cyclically regenerated or was otherwise reborn again. It’s a nice idea and most of you will be forgiven for thinking that the phenomenon could never happen. However, if we substitute for a “bird” a “limited company” then the concept is almost one of legal abuse.

Debt Recovery Update: March 2020

Mon, 09 Mar 2020 00:00:00 GMT

We look at the latest developments in the debt recovery industry and what you should be aware of.

Jurisdiction: A timely reminder for Heriot Watt University

Fri, 20 Mar 2020 00:00:00 GMT

The basic rule of jurisdiction is that an individual should be sued in the court where they reside, as opposed to the court where a pursuing creditor carries on business. The rationale for this is to protect “consumers” who are seen to be the commercially weaker party in the relationship.

Should you be collecting cash during the current crisis?

Mon, 06 Apr 2020 00:00:00 GMT

COVID-19 is causing economic uncertainty across all areas of business and for individual families. Stephen Cowan looks at the position on cash collection and what businesses should be aware of.

Managing Credit in a Crisis – Part 2

Thu, 16 Apr 2020 00:00:00 GMT

As we are now all aware, the Government has offered businesses a package of support during the current crisis. Packages include sick pay, business rates, tax and insurance as well as the Coronavirus Business Interruption Loan Scheme. Cynics amongst us say that the only aspect that these offerings have in common is that they are all difficult to access, along with the uncertainty as to precisely when any payments will be made.

Company Directors: Could you be personally liable?

Thu, 23 Apr 2020 00:00:00 GMT

As probably all company directors know, they are not personally liable for their company’s debts – with some notable exceptions. The current health crisis is likely to mean that many limited companies are facing financial distress. So, it will be understandable that directors will attempt to avoid this problem by sourcing additional funding to tide their business over as well as negotiating extended payment terms from its existing lenders and creditors.

How to approach your customers if they are in financial difficulty during the current crisis

Fri, 01 May 2020 00:00:00 GMT

It’s never easy to ask your customers for payment during these difficult times. However, I hope you will find my top ten tips helpful in giving you some ideas how to approach this “thorny” issue. Let me know how you get on, and best of luck.

What should credit controllers be doing during all of this down time?

Wed, 13 May 2020 00:00:00 GMT

When I give a presentation about legal recoveries, I usually start it by describing the various steps which a credit controller should take before referring an outstanding debt to their lawyer. Essentially, my recommendation is that the controller exhaust their own collection activity before passing the debt to us. Of course, what this will involve entirely depends upon that organisation’s individual credit control policy.

Listen now: MacRoberts/Yuill + Kyle Live Webinar – Managing your credit control during lockdown & beyond

Fri, 15 May 2020 00:00:00 GMT

In this live webinar, broadcast on Tuesday 26 May 2020, Managing Director of Yuill + Kyle, Stephen Cowan, looks at how businesses can manage their credit control during this period of lockdown and beyond.

UK Government publishes Corporate Insolvency and Governance Bill 2020

Mon, 08 Jun 2020 00:00:00 GMT

The UK Government has published its Bill outlining temporary restrictions on use of statutory demands and winding up petitions and other measures – the Corporate Insolvency and Governance Bill 2020.

Listen now: Yuill + Kyle / CICM Live Webinar: The Credit Management Playbook – New Visions & Strategies As We Emerge From Lockdown

Tue, 23 Jun 2020 00:00:00 GMT

In this live webinar, broadcast on Tuesday 23 June 2020, Stephen Cowan, Managing Director of Yuill + Kyle, and Chris Sanders, Head of Accreditation at the Chartered Institute of Credit Management (CICM) look at "The Credit Management Playbook – new visions and strategies as we emerge from lockdown".

Commercial Debt Collection: The Gathering Storm

Thu, 02 Jul 2020 00:00:00 GMT

It’s not all doom and gloom out there but, as we gradually come out of lockdown, businesses that want to survive must adopt a realistic perspective. This is because there is probably £133 billion worth of debt which businesses have built up during the coronavirus lockdown – and this is no exaggeration!

Debt Recovery Masterclass: Top Tips to Ensure You Get Paid

Tue, 04 Aug 2020 00:00:00 GMT

In the first of our Debt Recovery Masterclass Series, Managing Director Stephen Cowan shares his top 5 tips to ensure your business gets paid what it is owed.

Debt Recovery Masterclass: Top Tips for Chasing Payment

Thu, 10 Sep 2020 00:00:00 GMT

In our latest Debt Recovery Masterclass series, Stephen Cowan shares his top 5 tips for chasing payment from customers:

Debt Recovery Masterclass: Knowing Your Customer

Wed, 16 Sep 2020 00:00:00 GMT

When raising invoices to obtain payment from your clients or customers, it is vital that you know exactly who you are billing, where they are based and how they pay. In our latest Debt Recovery Masterclass, Stephen Cowan looks at the importance of knowing your customer.

Debt Recovery Masterclass: Credit Insurance (in conversation with Aon)

Mon, 08 Feb 2021 00:00:00 GMT

In this Yuill + Kyle Debt Recovery Masterclass, Stephen Cowan, Managing Director of Yuill + Kyle, and John Mackay, Account Manager at Aon, discuss the topic of credit insurance, how it works and the key considerations for businesses.

Debt Recovery Masterclass: Judgment Enforcement (in conversation with Stirling Park)

Tue, 02 Mar 2021 00:00:00 GMT

In this Yuill + Kyle Debt Recovery Masterclass, Stephen Cowan, Managing Director of Yuill + Kyle, and Ronnie Murison, Director of Sheriff Officer Services at Stirling Park LLP, discuss judgment enforcement, how it works and the best options available.

Government to protect small businesses with action on late payments

Tue, 06 Oct 2020 00:00:00 GMT

Currently, £23.4 billion worth of late invoices are owed to small firms across Britain, impacting on businesses’ cash flow and ultimate survival. On 1 October, to address the scourge of late payment, Small Business Minister Paul Scully announced proposals to ensure small businesses in the UK are paid on time.

Actively credit managing your customers: The impact of the Corporate Insolvency & Governance Act 2020

Thu, 15 Oct 2020 00:00:00 GMT

The Corporate Insolvency and Governance Act 2020 (CIGA), operable from June 2020, significantly curtails a creditor’s right to terminate a contract on the grounds of a corporate purchaser’s insolvency. So the question will be: what will a supplier be able to do to safeguard their position?

Getting paid on time: Can the Government help?

Tue, 17 Nov 2020 00:00:00 GMT

It goes without saying that one of the greatest bugbears for businesses is getting paid on time. In the event of late payment, legislation allows businesses to claim interest, collection costs and compensation. So, why does the problem persist?

Late payment: "Play it again, Sam"

Mon, 01 Jan 0001 00:00:00 GMT

In November 2020, we wrote about the difficulties that businesses were facing in getting paid on time – and with £23.4 billion being owed to small firms in the UK, it’s no wonder that this has the Government’s attention.

Debt Recovery and Business Risk

Thu, 01 Apr 2021 00:00:00 GMT

One significant consequence of the coronavirus pandemic is the impact it will have on business risk, particularly as the economy starts to recover as we move out of lockdown. It will then become apparent to many creditors that the companies they have been dealing with which can be classified as “zombies” or “phoenix”. Currently, this may not be immediately apparent due to the lack of financial transparency.

Top tips for debt recovery

Tue, 18 May 2021 00:00:00 GMT

Here, we share a few tips which should go some way in helping your cash flowing in.

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Strategic Insolvency Proceedings for Effective Debt Recovery

At our core, we believe that swift legal action enhances the likelihood of successful debt recovery. Explore our insolvency services to maximise your chances of reclaiming what you are owed.

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Our goal is to recover as much cash as possible for you as quickly as possible, and there is a range of pre- and post-judgment remedies available.

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If you are concerned about payment of a large debt and think your debtor is in financial difficulty, you should consider fast-track collection. This is available for individuals and limited companies, but the debt must be undisputed.

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If court action is necessary, experience has taught us that the quicker you start legal proceedings, the better chance you have of recovery. As soon as we receive your instructions, we move into action and can issue proceedings anywhere in Scotland.

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You do not always need to take court action to recover what is owed – often, talking with the customer through e-mail, phone or letter is enough. Before starting official legal proceedings, we recommend you send a Letter Before Action (pre-sue letter).

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Established in Glasgow in 1908, Yuill + Kyle is one of Scotland’s leading debt recovery and credit control law firms.

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Whether your business needs occasional support, manages bulk debts, or operates as a debt purchase company, our knowledgeable team is equipped to assist you. Serving a diverse clientele, from SMEs and small traders to multinational corporations and international banks, we offer a vast array of debt recovery and credit control facilities tailored to your unique requirements.

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Our debt recovery services extend beyond business-to-business scenarios. If you're an individual dealing with a problematic debtor or concerned about their solvency, our team is here to assist. For those facing financial difficulties, we explore various options, including the possibility of creating an instalment plan tailored to your financial circumstances, providing personalised advice every step of the way.

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Chambers 2021 - Pensions - Martyn Shaw

Legal 500 2022 - Family 4 - Marika

Louise Mahon - Tots Bots Limited

Leon Breakey - Legal 500

Chambers 2021 - Real Estate - Kelsey Gibson

Legal 500 2022 - Employment 2 - Katy Wedderburn

Julie Hamilton - WTR 1000 2021

Legal 500 2022 - Commercial Property 3 - John McQuillan

Chambers 2021 - Pensions - James Keith

Chambers 2021 - Private Wealth Law - James Inglis

Legal 500 2022 - Family - Jacqueline Stroud

Legal 500 2020 - Energy (Gillian Campbell)

Legal 500 2020 - Construction (Gavin)

Legal 500 2020 - Corporate & Commercial (Gary Baines)

Duncan Osler - Chambers 2020 (Public Procurement)

Chambers 2021 - Real Estate - Douglas Lamb

David Wylie - HCS Control Systems

David Gourlay - Chambers

Legal 500 2020 - Private Client (Carole)

Legal 500 2021 - Corporate Tax - Ainsley MacLaren

Legal 500 2022 - Intellectual Property 3 - Euan Duncan

Banking and Finance - team - Chambers

Jennifer McKay - Chambers

Neil Kennedy - client quote

Rupa Mooker - International Women's Day

Chambers UK Guide to the Legal Profession 2020 - Alan Kelly

Isobell Reid

Corporate (MJK) - Greenwood Moreland

Testimonials

Could you please advise of your trading terms, including payment? Do you require a credit application to be completed?

If payments are received at my offices directly form a customer who is the subject of a pre-sue letter, what is the best way to inform you?

Why does Yuill + Kyle ask debtors to make cheques and postal orders payable to you (the client), but ask them to send the cheques directly to Yuill + Kyle’s office?

If payment is received by Yuill + Kyle on our behalf, how quickly would we be advised of this and what method of notification would be used?

If the debtor contacts you regarding the reason for non-payment, would this be relayed to my credit control team?

Payment Queries

Neither party is Scottish – what are my options?

I’m looking to recover an international debt from Scottish debtors – can you help me?

I’m an English lawyer looking to recover a Scottish debt – can you help me?

Non-Scottish Debt/Debtors

Could my credit control team follow progress of debt recovery (at pre-sue stage) online?

After submitting the online pre-sue letter, is there a confirmation e-mail sent to indicate receipt of instructions?