Stirling Park

Received a letter or visit from Stirling Park? This guide explains who they are, why they’re contacting you, your legal rights, and what to do next.

Who Are Stirling Park?

Stirling Park is a Scottish debt collection and enforcement agency based in Aberdeen. They operate as both debt collectors and Sheriff Officers (the Scottish equivalent of bailiffs in England/Wales).

They primarily work with:

• Local authorities - council tax arrears
• Scottish courts - enforcing court decrees
• Public sector clients

They may contact you because:

• A local authority has instructed them to collect council tax
• A court has issued a decree (judgment) against you
• They are enforcing a sheriff court order

Important: In Scotland, Sheriff Officers have legal powers similar to English bailiffs.

Contact Details

Stirling Park

7 Queens Gardens Aberdeen AB15 4YD

Telephone: 01224 637 434

Scotland-Specific Information

Scottish debt law differs from England/Wales:

• Limitation period is 5 years (not 6)
• Sheriff Officers enforce court orders (not bailiffs)
• Trust Deeds are available instead of IVAs
• Council tax enforcement follows different procedures

Your Legal Rights

Stirling Park Must:

• Show identification when visiting
• Provide written notice of their visit
• Treat you fairly
• Not force entry on first visit (most circumstances)

They Cannot:

• Enter if only children are present
• Take essential household items
• Take items belonging to others
• Use violence or intimidation

How to Respond

1. Don’t ignore correspondence - especially court documents
2. Check the debt - verify it’s correct
3. Consider the debt age - 5 years in Scotland
4. Seek Scottish debt advice

Struggling With Multiple Debts?

Trust Deed - Scottish equivalent of an IVA.

Debt Arrangement Scheme (DAS) - Scottish statutory debt payment programme.

Individual Voluntary Arrangement (IVA) - For those in England/Wales. Check eligibility.

How to respond to Stirling Park

If Stirling Park contacts you, start by checking whether the account is yours and whether the balance matches your own records. Ask for the original creditor name, account reference, date of default or assignment, and a written breakdown of the amount being requested.

If you recognise the debt but cannot afford the proposed payment, do not agree to a plan that leaves you short for rent, mortgage, council tax, utilities, food or travel. A realistic offer is usually safer than a payment promise that fails after one or two months.

Before you make a payment

Keep communication in writing where possible and save copies of letters, emails and payment proposals. If several collectors are contacting you at once, compare wider debt options before prioritising one account over the rest.

You may want to read the debt collector letter before action guide, compare IVA vs DMP, or check whether a Debt Relief Order may be more suitable if your income and assets are low.

If the debt is not yours

Tell the collector in writing that you dispute liability and ask them to pause collection while they investigate. Include only the information needed to identify the account, and keep a copy of anything you send. If the letters are for a previous resident, say so clearly and ask for your address to be removed from the account.

Sources checked

• FCA debt collection information for fair treatment expectations.
• FCA Register for checking regulated consumer credit firms.
• Companies House for company identity checks.
• MoneyHelper debt guidance for free debt advice signposting.
• GOV.UK options for dealing with your debts for debt solution context.