Alex M Adamson Debt Collection may have requested payment for your unpaid Scottish council tax, rent arrears or something else. If you have am Alex M Adamson debt letter, do not ignore it. You can tackle these scary letters with confidence by using our friendly guide.

It’s not your fault. Complaints to the Financial Ombudsman have risen this year from 830 to 2,006, so it’s safe to say that you’re not alone.

Deal with your debt today and feel amazing tomorrow.

AMA Debt

Is Alex M Adamson Debt Collection Genuine?

Yes, Alex M Adamson Debt Collection is a genuine company working in the debt collection industry since 1960. They have five offices within Scotland, with their Alex M Adamson Falkirk branch being the most recognised.

Some debt collection agencies can only chase debts and obtain a CCJ to collect the debt by going to court. Alex M Adamson Debt Collection offer this service, but they are also:

  • Sheriff court officers
  • Messengers-at-Arms

Don’t worry, here’s what to do!

You could get rid of debt collectors by writing off your debt. I’ve put together a 4 question debt calculator which will tell you if you’re eligible:

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This 4 question debt calculator will tell you if you’re eligible.

What is the total amount of your debt?

What Is a Sheriff Court Officer?

A sheriff officer is a worker for the Scottish Sheriff Court, which is responsible for enforcing court orders or serving documents, i.e. letters to say that debtors are being taken to court or must pay the debt.

A sheriff court officer can only work within the local jurisdiction. For example, the AMA Falkirk office is only a Falkirk sheriff court officer for the local area. This is why they have more offices in other locations (to expand their services nationwide).

What Is a Messenger-at-Arms?

A messenger-at-arms is almost identical to a sheriff court officer. However, while the latter can only operate within a specified jurisdiction, a messenger-of-arms can serve papers and enforce court orders throughout the whole of Scotland.

This used to be a job title called officers of the King.

Who Does Alex M Adamson Debt Collection Collect Money for?

Alex M Adamson Debt Collection offer their services to individuals and businesses. There are no industries they exclusively work in and could collect debt for anyone that requests their help. However, they are more likely to offer their services to collect:

  • Unpaid rent
  • Unpaid loans and mortgages
  • Unpaid utility bills
  • Unpaid fines and parking tickets
  • Unpaid mobile phone contracts
  • Unpaid invoices

There is a lot of talk on forums that Alex M Adamson Debt Collection complete a lot of debt collection jobs for council tax arrears, including Falkirk council tax:

“Hi I received a letter from Alex M Adamson (A M A) about council tax arrears from 2000/1.

Now this has to do with x wife who at that time turns out she had not been paying the council tax which I did not know about.”

[The Consumer Action Group Forum]

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Is all this information starting to feel overwhelming? Don’t panic! I’ve put together a 4 question debt calculator so you can quickly and easily find the best solution for you. Answer the four questions now.

Alex M Adamson Falkirk Phone Number

If you want to get in touch with Alex M Adamson Debt Collection, you can call them on 01342 63 4229. If you want a specific branch, the number for their offices can be found via their website.

Should I Ignore Alex M Adamson Debt Collection?

No, in no circumstances should you ignore Alex M Adamson Debt Collection letters and calls. They are a legitimate debt collection group and can enforce further action.

Sometimes Alex M Adamson Debt Collection will have made a mistake, but even then, you should take action to make them aware of their mistake.

What you should do is found further down our Alex M Adamson Debt Collection guide.

Do I Have to Pay Alex M Adamson Debt Collection?

You should always try and clear the money you owe as the debt could ruin your credit score and make acquiring further credit or a mortgage difficult.

But before you pay Alex M Adamson Debt Collection, you should make sure the debt is really yours and check to see if the debt is still legally enforceable. Some debt is not, and you won’t have to pay.

We explain the correct steps to take…

What Can Alex M Adamson Debt Collection Collect Do?

Most debt collection groups do not have any legal powers. In fact, most debt collection groups cannot do much to recover the debt. Only law enforcement agents can come to your home and request payment or remove possessions. And this is only possible after a court order has been issued.

But Alex M Adamson Debt Collection is not any debt collection group. They are also sheriff court officers and messenger-at-arms. This means they do have the legal ability to repossess items to be sold to pay off the debt.

But they cannot do this without a court order!

Even if you can’t pay the full amount right now, there are ways to prevent your Alex M Adamson debt getting to this stage.

Could I Lose My Home to AMA Debt Collection?

It is not impossible for someone to lose their home because of unpaid debt, depending on the amount of money they owe. Alex M Adamson Debt Collection could try to repossess your home, but it is not likely to happen.

There are other ways to deal with Alex M Adamson and not lose your property.

What If Alex M Adamson Debt Collection Keep Calling?

Alex M Adamson Debt Collection may have more legal powers than most debt collection groups (once a court order is issued) but they still have to adhere to industry regulation.

They cannot:

  • Continually call you
  • Call at unsociable hours unless directed by you
  • Discuss your unpaid debt to others
  • Force you to choose a debt solution
  • Confuse you with technical language

You can report Alex M Adamson Debt Collection if they do any of these things.

Dealing with an AMA Debt Letter

The debt letter you received from Alex M Adamson Debt Collection is a letter that requests payment by a certain date and if the money is not paid, they state they will take you to court. These letters are scary and can cause depression and anxiety.

But you don’t always have to pay straight away. You can use the formal process to your advantage…

Ask Alex M Adamson to Prove the Debt

You should write back to Alex M Adamson Debt Collection and request proof that you owe the debt. You should not do this if they already provided proof (e.g. a signed agreement/contract) or if your debt is statute barred (see the end of this guide).

Did AMA Debt Collection Prove the Debt?


Alex M Adamson Debt Collection is required to provide proof for the debt to be enforceable. You can ask for this proof by sending a letter asking them to supply the evidence or not contact you again. You can state that future letters without proof are classed as harassment and such harassment will be reported to the FCA.

If you struggle to write a prove the debt letter, you can always use one of the many great templates found on debt charity websites and debt forums.

Here is one prove the debt letter template from the National Debtline.


If Alex M Adamson Debt Collection did provide proof in the first letter they sent or the following letter, you will be responsible for paying the money owed or could face legal action.

There is more than one way to approach your debt.

Alex M Adamson Debt Collection

Ways to Deal with Your Alex M Adamson Debt

The ways to deal with your debt are extensive and the best one for you will depend on personal circumstances, such as:

  • Your income
  • If you have other debts
  • The amount of the debt
  • Your assets

If you can pay off the debt in one payment without issues, it is strongly recommended to do so. Clearing debt can be good for your stress levels, credit score and may help to avoid interest fees.

If you can’t pay Alex M Adamson Debt Collection all of the money, you could…

1.      Ask Alex M Adamson Debt Collection for a Payment Plan

Alex M Adamson Debt Collection is known to agree payment plans with their debtors. You can do the same to spread out the costs of your repayment into more manageable monthly costs.

Before agreeing on a plan, assess your finances so you only commit to paying an amount you can afford. Overcommitment can result in other debts in other places.

If your situation changes, such as losing your job, contact Alex M Adamson Debt Collection and let them know. They may adjust your monthly payments while you seek further employment.

2.      Consider an IVA

An IVA is another option if the debtor has more than one debt and the total amount of debt exceeds £1700. The IVA is made to pay towards all debts for five years with bigger monthly repayments. But the benefit is that you clear all debts after the five years is up.

You might only pay back as little as 10% of your overall debt!

3.      Use Another Debt Solution

These are not your only options. There are some other ways to clear your debts. You can find information on these debt solutions by visiting Money Nerd – the #1 place for debt support and helpful content without confusing jargon!

Is Your Alex M Adamson Debt Statute Barred?

There is one way that you won’t have to assess these options and pay. And that is only when your debt is statute barred. But what does this mean?

A statute barred debt is an older debt that cannot go to the courts. Without it going to the courts, there can be no court order against the debt, and you cannot be forced to pay by Alex M Adamson Debt Collection.

This is not exactly the same as a debt being wiped because statute barred debt still exists. All of this is made possible because of legislation that prevents older debts from going to court as the courts are already too busy with new cases.

How Old Does the Debt Have to Be?

Whereas statute barred debt in England must be at least six years old, in Scotland debts only have to be five years old to become statute barred, which will be the type of debts that Alex M Adamson Debt Collection are chasing.

But it doesn’t just come down to age. As well as being a minimum of five years old, the following must all apply for it to be classed as statute barred:

  1. You haven’t made a payment to the debt in the last five years
  2. You haven’t acknowledged that you owe the debt to companies – including Alex M Adamson Debt Collection – in the past five years
  3. There has never been a court order for the debt previously

When all of these apply, you don’t have to pay Alex M Adamson Debt Collection!

How Do I Inform Alex M Adamson Debt Collection?

To inform Alex M Adamson Debt Collection that the debt is statute barred, you need to send them a letter instead of sending a prove the debt letter. Statute barred template letters can easily be found online.

In most situations, Alex M Adamson Debt Collection will know the debt is statute barred but are chancing their luck that you will pay upon receiving their first letter because you don’t know your rights. They are allowed to still ask for the money initially because the debt still exists; it just cannot be legally enforced.

Get Further Support with Your Alex M Adamson Falkirk Debt

There are so many twists and turns that your communications with Alex M Adamson Debt Collection can take. Our guide has been provided to give you some clarity on what can be a confusing and situations.

Always remember to take action and never ignore an Alex M Adamson debt letter.

For further help and support, consider calling Step Change UK, National Debtline or Citizens Advice.


CONC 7.3 Treatment of customers in default or arrears (including repossessions): lenders, owners and debt collectors

CONC 7.9 Contact with customers

About the author

Scott Nelson

Scott Nelson is a financial services expert, with over 10 years’ experience in the industry, including 6 years in FCA regulated companies. Read more
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