Debt collectors often have a bad rep, owing to the tactics they sometimes use to get their payments.

They can be really persistent, and it can be an unpleasant experience dealing with them. While this may be distressing and even frightening, at the end of the day, we all have to pay off our debts.

We will look at what Anderson Strachan Debt Collectors might do to get their debts paid, along with what you can do and what rights the both of you have.

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Who is Anderson Strachan Debt Collectors?

Anderson Strachan Debt Collectors is a debt recovery agency based in Scotland, with offices located in Hamilton and Glasgow. They were established in 1992; however, their website claims they have over 60 years combined industry experience. Anderson Strachan Limited specialise in all aspects of worldwide debt recovery.

Their address is 125 Muir Street, Hamilton, ML3 6BJ. Their registered office address is Regent Court, 70 West Regent Street, Glasgow, G2 2QZ. You can also contact them by phone at 01698 459 333, or even by fax at 01698 459 407. Alternatively, you can email them at [email protected].

Anderson Strachan Limited is registered on Companies House with the company number SC136716.

They also have a Twitter page, offering advice, links to articles and contact information.

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What do they want with me?

If Anderson Strachan Hamilton or Anderson Strachan Glasgow have been in touch with you, it can understandably be a cause for concern. No one likes getting strongly-worded letters telling you that you owe money.

So what do they want with you? You might ask this question considering you’ve probably never heard of them before or had any dealings with them either.

As a debt recovery firm, it is likely that Anderson Strachan Ltd is getting in touch with you as you owe one of their clients money. If you’ve received letters or calls from one of their clients with regards to you owing money, it is likely they will have passed your details over to a company who specializes in recovering this debt. Anderson Strachan Debt Collectors are just one of these companies.

Anderson Strachan Edinburgh may have also bought the debt from someone else. Debt collection agencies often buy a debt ‘bundle’ from companies who no longer have the resources to recover their original debt. This means, instead of owing the original company, you now owe Anderson Strachan Limited.

Are they legitimate?

It’s sensible to be suspicious of any correspondence you receive from a company you don’t recognise.  This is even more applicable when dealing with debt collection agencies like Anderson Strachan Hamilton. We’ve all heard stories of companies who are out to scam people who are potentially more vulnerable. They may try and run off with money they never owed in the first place – so being legitimate is so important. So what about Anderson Strachan Debt Collectors?

Anderson Strachan Limited is indeed a legitimate and very real company. They’re registered on Companies House with the company number SC136716. They are also members of the Credit Services Association (CSA).

Companies who are part of this association have to carry themselves with integrity and commitment to a high standard of business practice.

Members of the CSA must abide by certain rules and regulations. As such, Anderson Strachan Hamilton is obliged to behave within this governing body.

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Who do Anderson Strachan Limited collect for?

Now that we know a little bit about who Anderson Strachan Glasgow are, let’s take a look at who they collect for. They proudly claim that they specialise in all aspects of worldwide debt recovery, and also boast on their website that they don’t charge a fee if there is no collection too. Basically, any company who needed to collect debts could contact Anderson Strachan Hamilton to help them out.

The clients that they collect for span multiple industries, which include:

  • Offshore Subsea & Marine Equipment
  • Waste Management & Disposal
  • Industry Logistics & Automative
  • Reprographics
  • Oil & Fuel
  • Alarms & Security
  • Food & Beverage
  • Building & Construction
  • IT & Technology
  • Hotels & Catering
  • Accountants & Solicitors
  • Media & Advertising
  • Dentists & Veterinary Practices

As you can clearly see, it’s quite a broad range of industries that they help out!

What other services do Anderson Strachan Debt Collectors offer?

Anderson Strachan Edinburgh offers a few different services, and knowing the difference between what they do will help you to clarify what they’re getting in touch about. The two main services they offer are as follows:

  • Overdue Account Recovery. Anderson Strachan Hamilton provides businesses that either have occasional debts or volume debts assistance with prompt collections. They also offer same-day immediate action, regular progress reports and a 97% success rate for their clients.
  • Outsourced Credit Control. Some companies outsource their credit control ledgers, which ensures their accounts are collected in a timely and cost-effective manner. Anderson Strachan Glasgow offers a flexible service. They promote outsourcing as being invaluable to firms, as well as being able to save time, resources and the need to employ credit control staff. 

They also offer additional support services including traces on individuals and businesses, land register reports, door stop investigations and collection, and high court enforcement.

What powers do they have?

Anderson Strachan Limited is a debt collection agency. This means that the legal powers they have are the same as the powers that the original creditor had (as in, the company you originally owed money to). Anderson Strachan Ltd claim on their website that they are ‘persuasive, persistent, professional’ – within reason, they can chase you for the repayment of the debt, but they aren’t allowed to harass you or contact you at unreasonable hours.

As they are a member of the Credit Services Association (CSA), Anderson Strachan Edinburgh are obliged to follow their code of conduct. They also have to act in accordance with the rules laid out by the Financial Conduct Authority (FCA). By signing up and agreeing to the terms laid out by these bodies, they have to adhere by several rules. Some of the rules they have to adhere by include:

  • Not calling at unreasonable hours
  • Calling you at work without permission
  • Taking payments without your permission
  • Use legal or technical language to confuse you

You can also make specific contact preferences, such as dealing with your debt in writing rather than receiving phone calls. They should abide by your preferences.

Despite threats to visit your home, it is rare that debt collection agencies actually do visit. They can, however, pay you a visit at your home, but they usually have to give you at least seven days’ notice, and they’re not allowed to enter your house without your specific permission. This eventuality can be easily avoided if you start the process of repayment sooner rather than later.

Should you ignore them?

Debt collection agencies can be notoriously persistent, and Anderson Strachan Hamilton even prove their ‘pride in persistence’ in their tagline! So no matter how much you ignore them, they will continue to contact you. As with all debt collection agency correspondence, you should take these letters really seriously, as they would be legally permitted to escalate matters to the court if needed. To avoid continual persistence, and to get them off your case, you should reach out and contact them as soon as you can. 

Debt collection agencies rarely contact you in error, so if you have got a letter from Anderson Strachan Glasgow, be sure to check all the relevant documentation you might have gathered.

You can also get them to prove the debt to you with a ‘prove the debt’ letter.

If they can’t prove that the debt is really yours, they will have no choice but to mark the debt as settled.

At the end of the day, we all need to pay our debts, and despite the fact that being bombarded with letters and calls day in, day out may put you off from dealing with them properly, you will have to pay up.

Should you pay Anderson Strachan Limited?

Unfortunately, debts are a part of the life we live in, and we all have to pay them eventually. It’s best to try and sort these payments out as soon as you can as well. There are, however, certain reasons that mean you might not have to pay Anderson Strachan Debt Collectors.

From the first letter you receive from them, you should make sure that they are accurate and correct. Cross-reference this with any older correspondence you have received, and make sure the amounts and the details all match up. Sometimes these agencies might have the wrong details, or be contacting you for a debt you don’t actually owe, so it’s really important to make sure that it is actually for you. You can also use the ‘prove the debt’ letter to ensure that it is definitely yours.

Some debts also have a time limit, which is six years in England, and five years in Scotland. The official term for a debt such as this is ‘statute-barred’.

There are some criteria that must be met for the debt to be statute-barred, however:

  • The creditor must not have registered a County Court Judgment against you
  • You can’t have made a payment towards the debt in the past five/six years
  • You can’t have admitted to having the debt in writing in the past five/six years

What happens if you can’t pay up?

Admitting that you can’t afford to pay your debt in full is a really tough thing to face up to, but don’t worry as it’s not the end of the world. Often a company will give you a series of options to try and help you out, and if you are honest and upfront with Anderson Strachan Limited, they will be much more understanding.

One option open to you is contacting the original creditor directly, and seeing if there are any options open to you dealing with them rather than dealing with Anderson Strachan Hamilton. This may not be viable, however, as Anderson Strachan Limited sometimes by debts outright from companies, meaning that you will owe Anderson Strachan Debt Collectors instead of the original creditor.

Failing this, Anderson Strachan Edinburgh may be open to a repayment plan, which means that you would repay the debt in several installments rather than paying all of it off in one go. They’re more likely to be open to this sort of arrangement if you are open and forthright with them, so it’s really important to contact Anderson Strachan Glasgow as soon as you possibly can.

If worse comes to worst, you can also look at a debt consolidation loan or management plan. There’s lots of information about these online, but what these initiatives do is to help you make affordable monthly payments, and if you have more than one debt, it also helps pay them all off simultaneously.

If you are still having trouble sorting your debt out, or just need some more information about what you can do, there are several websites that offer up help and advice. These include the National Debt Line, Step Change and Citizen’s Advice.

Anderson Strachan Debt Collectors

Final Thoughts

So if you’ve heard from Anderson Strachan Debt Collectors, don’t be alarmed! The advice in this article will help you have quick and easy dealings with them, and it will hopefully mean your debt is paid off in no time at all.

It’s never nice getting demanding and vaguely threatening letters from strange and unknown companies, even less when they’re persistently asking you for money, but if you have all the right paperwork and information, and you make sure you keep in regular contact with Anderson Strachan Limited, everyone will be happy at the end of the day.

If, however, you feel that Anderson Strachan Limited haven’t behaved properly or respectfully, and haven’t kept in line with the rules and regulations stated by the Credit Services Association, then you should make a complaint about them. You can do this by sending a letter directly to them, stating the nature of your complaint. If they don’t respond or acknowledge it, you are well within your rights to contact the Financial Ombudsman Service, who will take your case on for you.


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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