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The number of decrees and total amount of debt registered against Scottish consumers fell by 42 percent in the third quarter (Q3) of 2020, according to figures released today (29th Oct, 2020) by Registry Trust.

The number fell from 4,859 to 2,805, with the total value falling from £13.2 million to £7.6 million compared to the same period last year. The average value at £2,710 saw no real change from the £2,715 in Q3 2019. The median value dropped by nearly 15 percent, from £1,482 to £1,265.

The number of decrees against Scottish businesses also fell, by 35 percent, from 805 to 525. The total value fell by 43 percent from over £3.6 million to just over £2 million. Both the average and median values dropped by 13 percent. The average value fell from £4,435 to £3,863, the median from £1,388 to £1,203.

The number of decrees against incorporated businesses fell by 35 percent, from 670 to 437. The total value fell by 42 percent, from over £2.9 million to just £1.7 million. The average value declined by just over 11 percent from £4,350 to £3,858.

Decrees against smaller businesses also declined, from 135 to 88, a fall of 35 percent. The total value of decrees fell by 48 percent from £655,220 to £342,036. The average value fell by just under 20 percent, from £4,853 to £3,887.

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 wound down, the damage to household and business finances could start to show up.”

Half Year 2019 Half Year 2020 Change (compared with 2019)
Decrees against consumers
volume 4,859 2,805 -42.27%
total value £13,190,155 £7,601,178 -42.37%
average* value £2,715 £2,710 -0.17%
median value £1,482 £1,265 -14.64%
Decrees against all businesses
volume 805 525 -34.78%
total value £3,569,966 £2,028,086 -43.19%
average* value £4,435 £3,863 -12.89%
median value £1,388 £1,203 -13.33%
Decrees against incorporated businesses
volume 670 437 -34.78%
total value £2,914,746 £1,686,050 -42.15%
average* value £4,350 £3,858 -11.31%
median value £1,271 £1,050 -17.36%
Decrees against unincorporated businesses
volume 135 88 -34.81%
total value £655,220 £342,036 -47.80%
average* value £4,853 £3,887 -19.92%
median value £2,100 £1,424 -32.21%
volume 266 353 32.71%
total value £765,548 £1,012,803 32.30%
average* value £2,878 £2,869 -0.31%
median value £1,348 £1,355 0.52%

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