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The number of decrees registered against Scottish consumers during the first quarter of 2021 (Q1 2021) fell by over 25 percent, from 5,430 to 4,052, compared to the same period last year, according to figures released today (16.04.2021) by Registry Trust.

The total value fell from £14.2 million to just under £11 million compared to the same period last year. The average value at £2,710 saw a slight rise of three percent from the £2,629 in Q1 2020. The median value rose sharply by 12 percent, from £1,427 to £1,602.

However, although numbers are down over the year, consumer decrees registered are rising sharply again, up 11 percent from Q4 2020 and 186 percent from the lows seen in Q2 2020.

The number of decrees against Scottish businesses also fell, by nearly 40 percent, from 722 to 434. The total value fell by 27 percent from just under £3 million to £2.2 million. The average value rose by 22 percent from £4,151 to £5,047. The median value increased by even more, up nearly 60 percent, from £1,407 to £2,247.

The number of decrees against incorporated businesses fell by 43 percent, from 617 to 353. The total value fell by 33 percent, from £2.6 million to £1.7 million. The average value rose by just over 17 percent from £4,168 to £4,883.

Decrees against smaller businesses also declined, from 105 to 81, a fall of 23 percent. However, the total value rose by nearly 10 percent from £425,101 to £466,759 with the average value increasing by 42 percent, from £4,049 to £5,762.

Trust Chair, Mick McAteer, said: “Covid-19 interventions by government and regulators, and forbearance by creditors, have helped Scottish consumers and businesses. But, numbers of decrees against Scottish consumers are rising sharply again suggesting the damage Covid has caused to household finances has started to show up.”

Q1 2020 Q1 2021 Change (compared with 2020)
Decrees against consumers
volume 5,430 4,052 -25.37%
total value £14,272,964 £10,979,719 -23.07%
average* value £2,629 £2,710 3.08%
median value £1,427 £1,602 12.26%
Decrees against all businesses
volume 722 434 -39.88%
total value £2,996,677 £2,190,361 -26.91%
average* value £4,151 £5,047 21.59%
median value £1,407 £2,247 59.75%
Decrees against incorporated businesses
volume 617 353 -42.78%
total value £2,571,576 £1,723,602 -32.97%
average* value £4,168 £4,883 17.15%
median value £1,288 £2,400 86.33%
Decrees against unincorporated businesses
volume 105 81 -22.85%
total value £425,101 £466,759 9.79%
average* value £4,049 £5,762 42.33%
median value £1,572 £2,031 29.19%
volume 306 350 14.38%
total value £1,423,686 £1,191,343 -16.28%
average* value £4,651 £3,404 -26.81%
median value £1,172 £1,191 1.58%

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