Stirling Park Debt Collection – Should You Pay?

Stirling Park Debt Collection is a company which offers both Sheriff Officer and debt-collection services. As Sheriff Officers, they serve court documents and enforce court orders. As debt-collectors, they work for both public agencies such as local authorities and private organizations. They also buy debts which they then aim to collect on their own behalf.

What should I do if Stirling Park contacts me?

First of all, you should verify that it is genuinely Stirling Park who are contacting you. Secondly, you should verify exactly why they are contacting you. Thirdly, you should verify if their claim is enforceable. Only once you have taken all of these steps should you decide what to do next. This will depend on the exact situation.

Remember, you must take action but it’s important to keep calm when you do. There is always a way forward.

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Verifying the identity of Stirling Park

The current details for Stirling Park are as follows:

Stirling Park Llp
24 Blythswood Square
G2 4BG

Tel: 0141 565 5765
Fax: 0141 565 5764

Company number SO300097

At present, Stirling Park usually makes calls from the number given above. They can, however, try calling from different numbers. Usually, these numbers will have an 0141 dialling code. They may send letters to any addresses they can find for you (including previous ones). They may also send representatives to any addresses they can find for you. 

Never let these representatives into your home unless they have an Exceptional Attachment Order. Be alert to the possibility that they may try to force their way in. This is illegal but the law only applies if you can prove it. If possible keep the door closed. If you must open it keep the chain on. If you don’t have a chain, only open the door enough to take through it and be alert to the possibility of someone trying to stick their foot in it.

Verify exactly why they are contacting you

Insist on clear answers to the following questions.

  • How much do they claim you owe?
  • To whom is the debt owed?
  • What is the supporting evidence that you owe the debt?
  • What do they propose as the next steps?

Verify if their claim is enforceable

Always verify if their claim is enforceable. For a claim to be enforceable, two conditions must be met:

  • Firstly, the debt has to belong to you.
  • Secondly, the debt must still qualify for collection.
Does the debt belong to you?

Does the debt belong to you?

If you think you are being pursued for a debt which belongs to someone else, or which you have already paid, then the standard course of action is to send what is known as a “prove it letter”. There are various templates you can use for this, but the most basic one is as follows.

Dear Stirling Park,

This letter is a response you your letter dated [dd/mm/yy], reference# (copy attached).

If you think that a debt exists and that the person who owes the money lives at this address, then please prove the debt in writing.

As per FCA regulations, you must stop any collections activity and correspondence until you have done this.

Yours faithfully,

[Your Name]

You can send this by email or letter. If you send it by email, then you may want to think about the email address you use. In fact, you may want to create a specific email address just for dealing with Stirling Park. If you send it by letter, then it’s advisable to use recorded delivery. In either case, it’s usually perfectly reasonable just to supply the reference number, especially if you don’t have a proper scanner and/or printer.

Think very carefully before including your phone number or handing it over if Stirling Park requests it.

Stirling Park should then respond with proof that you do owe the debt. This proof will probably consist of some of the following documents:

  • Credit application+Loan Agreement
  • Detailed statement of account
  • Copy of default notice
  • Copy of formal demand

If the debt has been sold, a statement to that effect from the original creditor, plus confirmation that this was permitted under your loan agreement (it usually is).

If Stirling Park does not respond and does not pursue further action, then you can consider the matter closed. It is, however, highly advisable to check your credit record in case the action has triggered an incorrect entry. If it has, you can request the agency/agencies to remove it.

If Stirling Park does not respond but continues to make collection attempts, you should follow up your original letter. Again, there are plenty of online templates you can follow. Here is a suggestion.

Dear Stirling Park,


On dd/mm/yy I asked you to prove that I owed a debt to [insert company name].

You have failed to do so, but are continuing to attempt collection. This is against FCA rules. Please cease your collection activities or I shall refer you to the Financial Ombudsman Service.

Please also remove the any incorrect entries from my credit records.

Yours faithfully,

[Your name]

Never send a prove it letter if you have been served court documents

If you have been served court documents then you need to enter a defence within the given time frame. If you fail to do this, you may end up with a County Court Judgement being entered against you. These can be set aside, but it’s better to avoid getting them in the first place. This means that you are unlikely to have time to send a prove it letter. You need to get legal advice immediately.

Is the debt still enforceable?

If you do recognize the debt, then check if it still qualifies for collection. There are two main reasons why a debt might not qualify for collection. The first is that you have entered into some form of insolvency proceedings. The second is that the debt has become “statute-barred”, in other words, too old to collect. This usually happens if you have not paid or been contacted about the debt in the last six years (five in Scotland). It is not, however, 100% guaranteed so you should get advice from a debt counsellor.

If a debt is subject to insolvency proceedings, you just need to write and to Stirling Park and inform them of this. Again, there are plenty of online templates. Here is a suggested format.

Dear Stirling Park,

I am writing in response to a letter from you dated [dd/mm/yy], reference#/a copy is attached.

This debt was included as part of [state type of insolvency proceedings]. The [state type of insolvency proceedings] order was made on [date]. As a result, you now have no remedy in respect of this debt. Please cease all collection activity immediately or I shall make a formal complaint to you and if fail to act upon it, I shall refer you to the appropriate regulator or ombudsman.

Yours faithfully,

[Your Name]

If you think your debt is statute-barred then you can use this template for Scotland and this template for the rest of the UK.

When you do owe an enforceable debt to Stirling Park

When you owe an enforceable debt, you have two options. You can either pay it (or at least part of it) or you can go insolvent. Whichever option you take, you have the right to a certain level of dignity and protection from harassment. In turn, you must help yourself and do what you can to help others to help you. In other words, you need to keep your head out of the sand and face reality.

If you can afford to pay off the debt in full without compromising on the essentials you need for a basic standard of living, then it usually makes sense to do so. If you cannot then it is strongly recommended to seek advice from a professional debt advisor. They will understand both the law and industry practice and will have experience dealing with creditors. As a result, they will usually do a better job of negotiating with Stirling Park than you would yourself. If nothing else, they can act as a shield between you and Stirling Park.

There are two points to remember here. Firstly, it is the job of a debt advisor to help you not to judge you. Secondly, at the end of the day, creditors just want as much money as they can get out of you as quickly as they can get it out of you. If you cannot pay the full amount within the requested time-frame, then you can offer to pay a lower amount and/or to pay over a longer period. 

If you cannot afford to do that, then insolvency may be your best (indeed only) option and while it is a major decision with major implications, it is nothing to be afraid of either. In fact, it may come as a relief to you, but not to your creditors, which is why they will generally try to avoid forcing people into it – provided you show a willingness to deal with them fairly.

Can I just ignore Stirling Park

When you just ignore a debt to Stirling Park

When you just ignore a debt to Stirling Park, they will take enforcement action. This must however, be “reasonable” and stop short of harassment.

For example, Stirling Park can call you, but they can only do so at “reasonable” times. This is not defined but the ICO’s Direct Marketing Guidance suggests 8 AM to 9 PM on weekdays and 9 AM to 9 PM on Saturdays, with no calls on Sundays or bank holidays.

Stirling Park can send letters and representatives to your home, but the latter must behave reasonably. For example, they cannot intimidate, threaten or lie to you, nor can they discuss your debts with anyone else. That said, they are under no obligation whatsoever to be particularly discreet about their presence. They can also (usually) add charges, interest and penalties to the amount owed. These can quickly add up and can easily become a lot more than the original debt itself.

The law and your debt to Stirling Park

If phone calls, letters and visits fail to produce a result, Stirland Park will proceed to legal enforcement action. Here are some of the steps they can take.

They can register a default on your credit file. This hurts your credit record.

They can apply for a County Court Judgement. This hurts your credit record and can act as a first step towards further enforcement action.

If your debt with Stirling Park Llp is over £5000, they can issue a statutory demand. This can act as a first step towards petitioning the courts to make a debtor bankrupt.

They can make an earnings or bank arrestment. This means that they can have your employer or bank send them money directly from your wages/bank account.

They may have the “right to offset”. This happens when you have two separate accounts with the same organization. If you are in credit in one account, this credit can be used to “offset” the debt in the other. Be aware that the same organization may trade under different brand names. For example, RBS and Natwest are two brands owned by the same company.

They may apply for an Attachment of Property Outside the Home Order. This means that they can take property from outside your home and sell it to cover your debt.

They may apply for an Exceptional Attachment Order. This means that they can enter your home to remove property and sell it to cover your debt. This is the only time they are allowed to enter your home without your invitation.

For completeness, debt collection agencies such as Stirling Park are unlikely to be interested in getting the best price for your assets. This means that it is usually better to sell assets yourself and use the money to pay Stirling Park than to have Stirling Park seize your assets.

A summary of what you need to know about Stirling Park

Stirling Park recovers money for themselves and for other organizations. If they contact you it is important to verify who they are and what they want. You also need to know if their claim is valid and enforceable. If it is, you either need to resolve it promptly or get advice from a debt counsellor. If you ignore your debt to Stirling Park there are several enforcement measures they can take and it is better to avoid being on the receiving end of them.

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Customers Right to Withdraw Consent

The customer has the right to withdraw their consent at any time. The withdrawal of consent shall not affect the lawfulness of processing based on consent before it’s withdrawal. However, it does mean you can no longer rely on consent as your lawful basis for processing. They withdraw consent by either of the following; putting this in writing to address details, by calling telephone number or emailing email address.

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Subject Access Request (SAR)

One of the main rights which the Data Protection Act gives to individuals is the right of access to their personal information.  An individual is permitted to send us a subject access request (“SAR”) requiring that we tell them about the personal information we hold about them, and to provide them with a copy of that information.  In most cases we must respond to a valid subject access request within 40 calendar days of receipt.  Any business is able to charge a customer a reasonable charge of £10 for providing this data however it is not our companies policy to do so unless the request is excessive or unwarranted.  Any Subject Access Requests must be sent to a Senior Manager for processing purposes.

Third party requests are also permitted e.g. a friend or relative, a solicitor, a claims management company or other third party. Under the Data Protection Act 1998 and the Data Protection Principles, are not permitted to reveal such information to a third party without the authority of a customer. On this basis, for any third party SAR, we will ensure that we have a written record of authority held on file before we release any personal data.

Where there are two or more customers linked to one credit agreement and the request comes from one of these parties, we will provide the response to both parties

We are required to 'give' a copy of the executed agreement and any other document referred to in it and the required statement. In the FCA’s view, sending a copy of them by ordinary second class post will suffice. Guidance on what constitutes a ‘copy’ can be found in the case of Carey v HSBC Bank plc [2009] EWHC 3417 (QB).

The duty under the relevant section does not apply if no sum is, or will or may become, payable by customer under the agreement. This is irrespective of whether the agreement may have already been terminated.

We will promptly facilitate a SAR request, although we have up to 40 days to do so.  All staff are made aware of this during induction.  Refresher training will be provided on a regular basis.  Although the rules permit the Firm to charge a maximum of £10 for responding to the request for personal data, it is not the Firm’s own policy to do so.

Client consent to the application of the Act and their right to access to their records are included within the firm’s terms of business/client agreement.

Any data collected must not be excessive and must be relevant to the purpose and it must not be kept longer than is necessary.

Information Commissioner’s Office (ICO)

The ICO has the power to issue monetary penalty notices of up to £500,000 for serious breaches of the Data Protection Act occurring on or after 6 April 2010, and serious breaches of the Privacy and Electronic Communications Regulations.


Our Privacy policy is in full view on our website.  This section must be read in conjunction with the Privacy Policy.

It is the responsibility of the senior management of our firm to ensure this policy is effective through monitoring and complaints procedures.

All employees, affiliates and ARs dealing with customers have a responsibility to read, understand and implement this policy and to hold their own valid and appropriate Privacy policy where appropriate.

The Firm holds a valid Data Protection license and it is bound by the rules of the Data Protection Act 1998.  The full extent of the rules can be found at

The 8 principles that the 1984 Act introduced are as follows.  Data must be:

Criminal offences

A criminal offence is committed by the Firm or an individual member of staff if they knowingly or recklessly:

Uses of customer information

When submitting application forms to banks, insurance companies and other financial institutions, this means that personal data will, by default, also be submitted.  In these cases, clients will be informed that their personal data may be used.

The Firm will request client consent before any transfer of data takes place.  Clients will be asked to confirm that they are comfortable to have their personal data used in one or more of the following forms:

Post, telephone, email etc. subject to the conditions of the Data Protection Act.

Information Classification


The following definitions provide a summary of the information classification levels that have been adopted by our firm and which underpin the 8 principles of information security. These classification levels explicitly incorporate the Data Protection Act’s (“DPA”) definitions of Personal Data and Sensitive Personal Data, as laid out in our firm’s Data Protection Policy.

‘Confidential’ information has significant value for our firm, and unauthorised disclosure or dissemination could result in severe financial or reputational damage to us as an FCA authorised firm, including fines of up to £500,000 from the Information Commissioner’s Office.

Data that is defined by the Data Protection Act as Sensitive Personal Data falls into this category. Only those who explicitly need access must be granted it, and only to the least degree in order to do their work (the ‘need to know’ and ‘least privilege’ principles).  When held outside our firm, on mobile devices such as laptops, tablets or phones, or in transit, ‘Confidential’ information must be protected behind an explicit logon and encryption at the device, drive or file level.

‘Restricted’ information is subject to controls on access, such as only allowing valid logons from a small group of staff. ‘Restricted’ information must be held in such a manner that prevents unauthorised access i.e. on a system that requires a valid and appropriate user to log in before access is granted. Information defined as Personal Data by the Data Protection Act falls into this category. Disclosure or dissemination of this information is not intended, and may incur some negative publicity, but is unlikely to cause severe financial or reputational damage to our firm.  Note that under the Data Protection Act large datasets (>1000 records) of ‘Restricted’ information may become classified as Confidential, thereby requiring a higher level of access control.

‘Internal use’ information can be disclosed or disseminated by its owner to appropriate members of our firm, partners and other individuals, as appropriate by information owners without any restrictions on content or time of publication.

‘Public’ information can be disclosed or disseminated without any restrictions on content, audience or time of publication. Disclosure or dissemination of the information must not violate any applicable laws or regulations, such as privacy rules.  Modification must be restricted to individuals who have been explicitly approved by information owners to modify that information, and who have successfully authenticated themselves to the appropriate computer system.

Designating information as ‘Confidential’ involves significant costs in terms of implementation, hardware and ongoing resources, and makes data less mobile. For this reason, information owners making classification decisions must balance the risk of damage that could result from unauthorised access to, or disclosure of, the information against the cost of additional hardware, software or services required to protect it.


Security Level



FOIA2000 / DPA1998 status

1. Confidential

Normally accessible only to specified and/or relevant members of our staff

DPA-defined Sensitive personal data:

·                     racial/ethnic origin

·                     political opinion

·                     religious beliefs

·                     trade union membership

·                     physical/mental health condition

·                     sexual life

·                     criminal record

·                     salary information

·                     individuals’ bank details

·                     passwords

·                     large aggregates of DPA-defined Personal Data (>1000 records) including elements such as name, address, telephone number.

·                     HR system data

Subject to significant scrutiny in relation to appropriate exemptions/ public interest and legal considerations.

2. Restricted

Normally accessible only to specified and/or relevant members of our staff

DPA-defined Personal Data (information that identifies living individuals including:

·                     home / work address

·                     age

·                     telephone number

·                     schools attended

·                     photographs

Subject to significant scrutiny in relation to appropriate exemptions/ public interest and legal considerations.

3. Internal Use

Normally accessible only to our staff

·                     Internal correspondence,

·                     internal group papers and minutes,

·                     information held under license company policy and procedures

Subject to scrutiny in relation to appropriate exemptions/ public interest and legal considerations

4.  Public

Accessible to all members of the public

·                     Company filed documents

·                     Company websites

Freely available on the website.

Explicit Information Ownership and Other Rights of Access to Information

We recommend that departments and functions within our business explicitly designate information owners.

Other users may have rights of access to data according to the terms of engagement under which the data was gained or created.

Granularity of Classification

The sets of information being classified should, in general, be large rather than small. Smaller units require more administrative effort, involve more decisions and add to complexity, thus decreasing the overall security.

 Information Retention

There may be minimum or maximum timescales for which information has to be kept. These may be mandated in a commercial contract. Other forms of information retention may be covered by environmental or financial regulations.


All ‘Users’ must obtain authorisation from their line manager before their classification request is submitted to Senior Managers. Nerd FS is responsible for assessing information and classifying its sensitivity.


A violation of our Information Security Policy and supporting policy documents will be investigated and consequentially may result in disciplinary action which could include the termination of employment contract for employees, the termination of contractual relations in the case of third parties, contractors or consultants.

A violation of this policy and misuse of the systems and applications within our firm may also be a breach of the Computer Misuse Act 1990; consequentially the company may at its discretion take legal action against an individual or organisation that is found to be in breach of its policies.

How we may use customer data

 We may as a result of a consumer or a third parties’ interaction with our website/s obtain their personal data and process their information on our computers and in any other way.

By “third parties” we mean any lender, broker or affiliate who interacts with us in enabling a consumer to make a loan application.

We will use the information to manage their account(s), give them statements and provide our services, for research, assessment and analysis (including credit and/or behaviour scoring, market and product analysis) and to develop and improve our services to the consumer and other consumers and protect our interests.

We, and other carefully selected third parties, will use their information to inform them by post, fax, telephone or other electronic means, about other products and services (including those of others) which we believe may be of interest to them.

If they contact us, we may keep a record of that correspondence.

We will keep details of transactions they carry out through our site and of the fulfilment of their applications and their loan history.

We will keep details of their visits to our site including, but not limited to, traffic data, location data, weblogs and other communication data and the resources that you access.

In order for us to be able to collect and use personal data and / or to pass If they do not want us to use their data in this way, or to pass their details on to third parties for marketing purposes, customers must manually opt in to this agreement (See CONC section of this Compliance Manual).

IP Addresses

 We may collect information about their computer, including where available their IP address, operating system and browser type, for system administration and to report aggregate information to our advertisers. This is statistical data about our users' browsing actions and patterns, and does not identify any individual.


 For the same reason, we may obtain information about a consumer’s general internet usage by using a cookie file which is stored on their browser or the hard drive of their computer. Cookies contain information that is transferred to their computer's hard drive. They help us to improve our site and to deliver a better and more personalised service. Some of the cookies we use are essential for the site to operate.

If they register with us or if they continue to use our site, they agree to our use of cookies.

Please note that our advertisers may also use cookies, over which we have no control.

Cookies can be blocked and a consumer may not be able to access all or parts of our site. Unless a consumer has adjusted their browser setting so that it will refuse cookies, our system will issue cookies as soon they visit our site.

Where we store data

The data that we collect from a consumer is stored within the European Economic Area ("EEA"). Such staff may be engaged in, among other things, the assessment and fulfilment of a consumer’s application, the processing of a consumer’s bank details and the provision of support services. By submitting their personal data, they agree to this transfer, storing or processing.  We will take all steps reasonably necessary to ensure that a consumer’s data is treated securely and in accordance with this privacy policy.

All information a consumer provides to us is stored on our secure servers. Any transactions will be encrypted. Where we have given (or where they have chosen) a password which enables you to access certain parts of our site, they are responsible for keeping this password confidential. We ask a consumer not to share a password with anyone.

The transmission of information via the internet is never completely secure. Although our systems exceed industry standards for security, and we will always do our best to protect a consumer’s personal data, we cannot guarantee the security of a consumer’s data transmitted to our site; any transmission is at their own risk. Once we have received their information, we will use strict procedures and security features to try to prevent unauthorised access.

Disclosure of information

We may disclose a consumer’s personal information to any member of our group, which means our subsidiaries, our ultimate holding company and its subsidiaries, as defined in section 1159 of the UK Companies Act 2006.

We may disclose a consumer’s personal information to third parties:

Credit Reference Agencies (CRAs)

When a customer makes an application for a credit, we will check whether they are likely to be able to meet the monthly payments and repay the loan.  However, we are limited in what we can actually do as we do not work directly with CRA’s as we are not eligible to do so.  We will work with what the applicant divulges on their fact find/application but we can only judge as accurately as the information given allows.

When we submit an application to a lender, it is normal practice for a lender to carry out a credit search with a CRA.  In the past, this would have left a search ‘footprint’ on the applicants’ credit file that may be seen by other lenders. Large numbers of applications made within a short period of time would adversely affect a customer’s ability to obtain credit, and they should always consider this before making an application for a loan.

However, the lenders that we have chosen to deal with offer a facility known as a ‘quotation’ search, which does not leave a footprint. This is in line with CONC 2.5.7 which suggests that during the ‘shopping around’ process of the customer, the lenders that we promote should only use a ‘quotation search’, which does not leave a footprint.

Access to information

The Act gives a consumer the right to access information held about them. Your right of access can be exercised in accordance with the Act. Any subject access request may be subject to a fee of £10 to meet our costs in providing them with details of the information we hold about them.

Changes to our Privacy Policy

 Any changes we may make to our privacy policy in the future will be posted on our web page, and, if appropriate, notified to consumers by e-mail.

Questions, comments and requests regarding this privacy policy are welcomed and should be addressed to moneynerduk (at)

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