Charge for payment checklist for a Scottish debt advice appointment

A charge for payment usually gives you 14 days. Keep the original papers and show them to a free Scottish debt adviser promptly. Ask them to check your deadline.

Write down

  • Date and method of delivery: __________________________________
  • Deadline shown or confirmed by your adviser: ______________________
  • Creditor and sheriff-officer firm: _________________________________
  • Reference, balance and any fees shown: ___________________________
  • Your next action and when it is due: ______________________________

Bring with you

  • The charge, every page it came with, the envelope and any Debt Advice and Information Package.
  • Earlier letters or court papers, proof of payments, and any existing payment agreement.
  • Details of any deductions from wages, frozen funds or other enforcement already underway.

Ask the adviser

  • What do I need to do by the deadline?
  • Is a Time to Pay application or another response available for this debt?
  • Who should I contact if the amount or liability is wrong?

Read the full charge for payment guide · Scottish Government guidance

ScottishTrustDeed.org · Updated 11 November 2026