Stop Walker Love Sheriff Action

How to stop Walker Love Council Tax debt recovery in Scotland

Wage Arrestment Expert can help you stop Walker Love sheriff action for council tax arrears, business rates, benefit overpayments and any other debt that you may have.

Walker Love is a firm of Messengers-at-Arms and Sheriff Officers working across the six Sheriffdoms of Scotland, and across Europe. Sheriff Officers in Scotland have a similar role to bailiffs in England, in enforcing payment of unpaid debts, however Walker Love Sheriff Officers are officers of the court, and have powers to enforce court orders and civil warrants.

Walker Love Messengers-at-Arms and Sheriff Officers are instructed by Scottish local authorities, as well as private companies and landlords to collect unpaid Council Tax, Business Rates, Benefits overpayments or other private or consumer debts.

If you owe Council Tax or Business Rates, your local authority can apply to the Sheriff Court for a summary warrant, a court order that details the amount of money you owe and legally obliges you to pay it.

It can be quite worrying to receive such a court order, which if ignored can make the matter even worse. If you have received a summary warrant from Walker Love Sheriff Officers, there are steps you can take to avoid further action being taken. Wage Arrestment Expert offers free help and advice to people who are in debt and facing Walker Love Sheriff Officer action. Wage Arrestment Expert can give you advice and help with things such as working out affordable payment plans with Scottish local authorities and stop Sheriff Officers from Walker Love taking further action.

We can be contacted through the email form on this website, or by phone on 0141 255 2104

How does Wage Arrestment Expert help me deal with Walker Love?

• We will contact Walker Love on your behalf
• Request a temporary hold on sheriff action for up to 28 days
• Mediate and negotiate with the local authority and sheriff officers
• Arrange an affordable and sustainable repayment plan for you
• Our services are FREE of charge

Walker Love Council Tax Collection

If you or anyone else in your household is behind in paying the Council Tax bill, your local council will send you, and any other individual responsible for paying Council Tax, a reminder to pay the overdue bill. When you receive a reminder for unpaid Council Tax, you will have seven days within which you can arrange to pay the amount in instalments. If you don’t arrange a repayment plan within seven days you will be sent another reminder and you will be given 14 days to pay. However, you will have to pay the amount in full, as there will no longer be the option to pay in instalments at this stage.

If you have still not paid your Council Tax after receiving two reminders, the council have a right to apply to the Sheriff Court for a summary warrant in order to get you to pay. Once the summary warrant is granted, your local council will send your details and information about the amount of Council Tax you owe to Walker Love, who will send you the summary warrant enforcing payment. The summary warrant should detail the amount owed and explain whom you should contact to make the payment. Please also be aware that in addition to the amount of Council Tax you owe, you will also have to pay an extra 10% penalty charge for the summary warrant.

How Walker Love use Diligence and Charge for Payment

If you have received a summary warrant to pay your Council Tax, it is advised that you urgently contact Walker Love to make an arrangement to pay. If you do not act quickly at this stage, your local council can go further and obtain what is called a charge for payment. If Walker Love sends you a charge for payment, you will be given a grace period of 14 days within which you should contact Walker Love, or your local council to arrange a payment.

If after receiving a charge for payment you have still not paid, the council have a right to use diligence, which means they give Walker Love Sheriff Officers enforcement powers to collect the money from you in other ways, such as taking the money directly out of your pay or bank account.

In extreme cases, where the debt cannot be collected by other means, the council may apply to the Sheriff Court for an Exceptional Attachment Order, and you could be prohibited from selling your house, land, or business premises. Walker Love Sheriff Officers could even be allowed to remove some of your possessions to sell on in order to cover the cost of your unpaid debt.

There are several different types of diligence that Walker Love Sheriff Officers can use to enforce payment, these include:

Bank arrestment, or taking money from your bank account Earnings arrestment, taking money from your pay packetAttachment of property outside your home, taking items you own from outside your home, and selling them Exceptional Attachment Order, bankruptcy, preventing you from selling your house, property or business

Apply for a time to pay order

One of the ways you can avoid Walker Love Sheriff Officers using diligence by either taking money from your wages or bank account, making you bankrupt or taking your belongings, is by applying to the court for a time to pay order. If you have already received a charge for payment, this will allow you time to pay off the amount you owe in affordable monthly amounts.

What happens if Walker Love enforce an earnings arrestment?

Walker Love Sheriff Officers can make an earnings arrestment if you have not paid your debt in full, or applied for a time to pay order or debt payment programme. This means that Walker Love will be able to withdraw the amount you owe directly from your earnings after you have paid tax. They can continue to deduct money from your wages until the full outstanding amount has been covered. In addition, you will also be charged a fee by Walker Love, which will also be deducted from your wages.

Within the twelve weeks before serving you with an earnings arrestment, your local council or Walker Love Sheriffs must send you a debt advice information pack, which you should read carefully. The advice in the pack will tell you how to avoid having money taken out of your earnings, for example, if you apply for a time to pay order and it is granted, it will prevent an earnings arrestment.

Walker Love and attachement of property outside my home

An attachment of property outside the home, or attachment of goods is enforcement action taken by Walker Love if, after receiving two reminders about unpaid Council Tax, you have still not paid or applied for a time to pay order or debt repayment programme. Walker Love will have rights to seize and sell off any of your personal possessions that they find outside of your home. Walker Love’s administration fees will also apply for carrying out the attachment of property or goods.

Walker Love will send you a debt information and advice pack within 12 weeks before being instructed by the council to serve you with an attachment of goods. You should follow the advice in the pack in order to avoid any of your belongings being taken away by Walker Love Sheriff Officers. An attachment of property outside the home, or attachment of goods can be delivered by Walker Love on the same day as they carry out the seizure of your property.

Walker Love will have the right to enter any buildings outside of your home, such as outbuildings, garages, or business premises, even if they are locked. However, they do not have the right to enter your home to take anything away without a special type of order called an Exceptional Attachment Order.

The following is exempt from attachment:

Tools, books and equipment up to a value of £1,000 necessary for your trade or business Vehicles up to the value of £3,000 that are necessary for your trade or business Mobile home if it is the main place where you live When Walker Love has finished carrying out an attachment of goods, they must give you a list of everything that they have seized, along with a valuation of each item. The items can be taken away and put up for sale after seven days to raise money to cover the debt you owe. If the full amount you owe is not covered by the amount earned from the sale of goods seized, you will still owe the rest. Before Walker Love sell the items to someone else, you, or a friend or relative will have the right to buy the items back at the amount Walker Love valued them at, within 14 days of the attachment being made.

If you think that Walker Love have not complied with the law by removing items that are exempt from being attached, or if they have taken items that don’t actually belong to you, you are allowed to apply to the court to challenge it.

What fees can Walker Love Charge me?

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Attachment of vehicles and heavy machinery

Attachment of earnings or bank account

Taking possession of belonging

Walker Love may also charge for other administrative tasks such as making copies of documents. If you would like some more information about the fees that Walker Love charge contact Wage Arrestment Expert by calling 0141 255 2104 or complete the online form to request a call-back.

Walker Love and Business Rates Collection

As with unpaid Council Tax, if you do not pay your Business Rates, the local authority can apply for a summary warrant from the Sheriff Court and grant Walker Love enforcement powers to collect unpaid Business Rates from you. Walker Love will have the same rights and be able to follow the same steps as described above for collecting unpaid Council Tax. You will also be given the same rights to apply for a time to pay order or arrange a debt repayment programme in order to avoid further diligence. However, if the council has applied to make you bankrupt, it will be too late to apply for a time to pay order.

If your Business Rates arrears are more than £3,000, and Walker Love have not been able to collect the debt by other means, they can use diligence to make you bankrupt. Declaring bankruptcy can have positive and negative effects. However, it is not a matter to be taken lightly as it could put your home, assets and employment at risk. Contact Wage Arrestment Expert for further information on unpaid Business Rates and bankruptcy. Complete the call-request form above or call today on 0141 255 2104

Walker Love Private and Consumer Debt Collection

Walker Love also work with private companies and landlords to collect private financial and consumer debt such as bank charges, credit card payments, loans, rent etc. on their behalf. They have the same enforcement powers as detailed above for Council Tax collection but there may be some slight differences, if you have been contacted by Walker Love to collect a private, financial or consumer debt, call us today on 0141 255 2104. Our specialist advisors provide expert help and are able to discuss a number of solutions available to you.

Are you facing a bank arrestment or earnings arrestment, or have one in place already? We may be able to look into a number of solutions available to stop this from taking place or remove it if it’s already in place.