Cookies disclaimer

I agree Our site saves small pieces of text information (cookies) on your device in order to deliver better content and for statistical purposes. You can disable the usage of cookies by changing the settings of your browser. By browsing our website without changing the browser settings you grant us permission to store that information on your device.


The total amount of debt registered against Scottish consumers in the first half of 2020 fell by 20 percent, from nearly £24 million to just under £19 million, according to figures released by Registry Trust. The number of decrees fell by over 26 percent from 9,310 to 6,849. The average value rose by over eight percent from £2,532 to £2,742 meaning fewer but larger decrees were registered.

The number of decrees against Scottish businesses also fell by 13 percent, from 1,140 to 990. The total value of decrees against businesses saw a large fall of 47 percent, from over £9 million to just under £5 million. The average value also fell by nearly 39 percent, from £8,231 to £5,045.

Decrees against incorporated businesses fell by just over one percent from 850 to 839. But, the total value fell by more than half (55 percent) from over £8 million to under £4 million. The average value also fell by 55 percent from £9,829 to £4,463.

Decrees against smaller businesses also fell, by nearly a half from 290 to 151, over the period. But, the total value of decrees rose by more than 20 percent from just over £1 million to nearly £1.3 million. The average value of decrees against smaller business more than doubled from £3,549 to £8,288 as a number of high value cases distorted the average value.

Trust chairman Mick McAteer said: “Covid19 interventions by government and regulators, and forbearance by creditors, have helped Scottish consumers and businesses. But, once these measures are unwound, the damage to household and business finances will start to show up.”

Half Year 2019 Half Year 2020 Change (compared with 2019)
Decrees against consumers
volume 9,310 6,849 -26.43%
total value £23,576,143 £18,778,096 -20.35%
average* value £2,532 £2,742 8.27%
median value £1,325 £1,454 9.78%
Decrees against all businesses
volume 1,140 990 -13.16%
total value £9,383,797 £4,994,617 -46.77%
average* value £8,231 £5,045 -38.71%
median value £2,127 £1,442 -32.20%
Decrees against incorporated businesses
volume 850 839 -1.29%
total value £8,354,727 £3,744,625 -55.18%
average* value £9,829 £4,463 -54.59%
median value £2,236 £1,317 -41.09%
Decrees against unincorporated businesses
volume 290 151 -47.93%
total value £1,029,070 £1,249,992 21.47%
average* value £3,549 £8,278 133.28%
median value £1,951 £1,700 -12.84%
volume 454 542 19.38%
total value £2,773,081 £2,421,305 -12.69%
average* value £6,108 £4,467 -26.87%
median value £1,496 £1,283 -14.20%

For more information please contact

0207 391 7287

Notes for editors

Registry Trust is a non-profit company established in 1985 to become the Registrar of County Court Judgments. Registry Trust holds a public register of Scottish decrees. By agreement with the Scottish Courts Administration Service it collects details of undefended money decrees entered in the small claims, summary and ordinary cause sheriffs’ courts in Scotland.

Decrees are removed from the register if paid in full within one calendar month of the issue date and Registry Trust is informed, but will otherwise remain registered for six years. If fully paid outside the one calendar month, defendants can apply to Registry Trust to have the record marked as ‘satisfied’ to improve their credit rating.

Anyone may search for entries against a named person or business at a stated address or a corporate body in the British Isles and the Republic of Ireland by visiting Registry Trust’s website or by writing to Registry Trust, 153–157 Cleveland Street, London W1T 6QW.

To view the full set of statistics, visit