Knowledge Hub

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Debt solutions Why Would A Debt Arrangement Scheme Be Revoked? Bankruptcy, a protected trust deed and death end a programme automatically. Arrears, a breach of condition and an untrue statement are for the DAS Administrator. Updated 1 Sept 2026 Read
Debt solutions Will A Debt Arrangement Scheme Affect Your Job In Scotland? A Debt Payment Programme is not insolvency, so the bankruptcy job restrictions do not attach. Your employer is involved only where payment runs through payroll. Updated 1 Sept 2026 Read
Debt solutions Will You Lose Your Home In A Debt Arrangement Scheme? No. A Debt Payment Programme is not insolvency, nothing you own passes to a trustee, and your home is an excepted asset a condition cannot make you sell. Updated 1 Sept 2026 Read
Earnings arrestments Are Sheriff Officer Fees Added To Your Wage Arrestment Balance? Yes. Section 93(1) of the 1987 Act makes the expenses of the charge and of serving the schedule recoverable by the arrestment itself, out of your wages. Updated 30 Aug 2026 Read
Sheriff officers Are Sheriff Officers The Same As Bailiffs? No. Sheriff officers are officers of the court appointed by the sheriff in Scotland. Bailiffs are an England and Wales role, under different law entirely. Updated 30 Aug 2026 Read
Stopping a wage arrestment Can A Statutory Moratorium Stop A Wage Arrestment? Not one already running. Section 197(5)(d) of the Bankruptcy (Scotland) Act 2016 lets a creditor carry on an arrestment that took effect before the moratorium began. Updated 30 Aug 2026 Read
Council tax Can A Summary Warrant Be Used For Debts Other Than Council Tax? Yes. Non-domestic rates, water and sewerage charges, certain HMRC debts and Revenue Scotland taxes all carry summary warrant powers, and each one adds 10 per cent. Updated 30 Aug 2026 Read
Earnings arrestments Can A Wage Arrestment Affect Your Job In Financial Services? A wage arrestment is a payroll instruction rather than a court judgment, and the credit reference agencies do not record it. See who at work actually finds out. Updated 30 Aug 2026 Read
Stopping a wage arrestment Can A Wage Arrestment Be Stopped Once It Has Started? Only a formal step lifts a live arrestment. See which routes work once deductions begin, from which payday each bites, and what happens to money already taken. Updated 30 Aug 2026 Read
Earnings arrestments Can A Wage Arrestment Be Taken From Sick Pay? Yes. Statutory sick pay is named as earnings at section 73(2)(d) of the 1987 Act and is not taken back out. See how the deduction works while you are off. Updated 30 Aug 2026 Read
Earnings arrestments Can A Wage Arrestment Be Taken From Statutory Maternity Pay? The 1987 Act names statutory sick pay as earnings and does not mention maternity pay in either list. What that silence means for your pay while you are on leave. Updated 30 Aug 2026 Read
Earnings arrestments Can A Wage Arrestment Be Taken From Your Pension? Yes, where an occupational pension is already in payment. Section 73(2)(c) makes it earnings, reached by an ordinary arrestment on whoever pays it. Updated 30 Aug 2026 Read
Earnings arrestments Can A Wage Arrestment Take More Than Half Your Wages? No. The 50% rate reaches only the part of your net pay above £3,750.00 a month, and every pound below is charged less, so the total stays under half. Updated 30 Aug 2026 Read
Earnings arrestments Can An Employer Refuse To Action A Wage Arrestment? No. Section 47(1) requires a deduction every pay day, and section 57(1) makes an employer that does not comply liable to the creditor for the sums it should have taken. Updated 30 Aug 2026 Read
Earnings arrestments Can Both Your Bank And Your Wages Be Arrested At Once? Yes. They are separate diligences attaching different things, so the one-at-a-time rule on earnings does not stop one creditor using both for the same debt. Updated 30 Aug 2026 Read
Council tax Can Council Tax Arrears Go Into A Debt Arrangement Scheme? Yes. Council tax arrears can go into a Debt Payment Programme alongside your other debts, but this year's council tax cannot and has to be kept up separately. Updated 30 Aug 2026 Read
Council tax Can Council Tax Reduction Be Backdated? A working-age claim can go back 6 months where you had continuous good cause. A pension-age application made within 3 months is backdated with no good cause test. Updated 30 Aug 2026 Read
Sheriff officers Can Sheriff Officers Visit You At Work? Yes, they may. Nothing in the 1987 Act stops an officer attending a workplace, and documents can be served there. What your employer sees, and what it cannot do. Updated 30 Aug 2026 Read
Earnings arrestments Can The DWP Take Money From Your Wages Without A Court Order? Yes. A direct earnings attachment lets the DWP instruct your employer with no court order and no charge for payment. See the rates and where it sits on payroll. Updated 30 Aug 2026 Read
Council tax Can You Appeal A Summary Warrant? No. Schedule 8 to the Local Government Finance Act 1992 gives no appeal, review or recall. What you can challenge is the liability and the diligence that follows. Updated 30 Aug 2026 Read
Stopping a wage arrestment Can You Ask The Council To Recall A Wage Arrestment? You can ask, but it is the council's decision. Section 47(2) of the Debtors (Scotland) Act 1987 lists recall and abandonment among the things that end an arrestment. Updated 30 Aug 2026 Read
Council tax Can You Be Chased For A Former Partner’s Council Tax? Yes for every day you were both liable, and for the whole of the arrears rather than half. No for any day after you moved out. How to prove the date you left. Updated 30 Aug 2026 Read
Stopping a wage arrestment Can You Challenge A Wage Arrestment You Think Is Wrong? Section 50 of the Debtors (Scotland) Act 1987 lets a sheriff declare an arrestment invalid or at an end. See the valid grounds and how to raise a dispute. Updated 30 Aug 2026 Read
Sheriff officers Can You Complain About A Sheriff Officer’s Conduct? Yes, and anybody can. Section 79(1)(b) of the Debtors (Scotland) Act 1987 lets any person report misconduct to the sheriff principal who granted the commission. Updated 30 Aug 2026 Read