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 number of decrees and total amount of debt registered against Scottish consumers saw large rises in Q3 2021 compared to the same period last year, according to figures released today (14.10.2021) by Registry Trust.

The number rose from 2,805 to 3,487 in Q3 2021, a rise of nearly one quarter from Q3 2020. The total value saw an even bigger rise, up by 51 percent, from £7.6 million to £11.4 million. As a result, the average value rose by 21 percent, from £2,710 to £3,280. The median value rose by 29 percent, from £1,265 to £1,628.

The number of decrees against Scottish businesses was almost unchanged, at 523 compared to 525 in Q3 2020. The total value rose by one quarter, from £2 million to £2.5 million. As a result, the average value rose by 26 percent, from £3,863 to £4,851. The median value also rose, by 27 percent from £1,203 to£1,523.

The number of decrees against incorporated businesses rose slightly, by just over two percent, from 437 to 447. The total value rose by one fifth, from £1.7 million to £2 million. The average value saw a rise of 17 percent, from £3,858 to £4,530, with the median value up by 43 percent from £1,050 to £1,500.

But, decrees against smaller businesses fell by 14 percent, from 88 to 76. However, the total value rose by nearly 50 percent, from £342,036 to £512,047. As a result, the average value saw a large increase of 73 percent, from £3,887 to £6,737. The median value rose by 69 percent from £1,424 to £2,411.

Trust Chair, Mick McAteer, said: “We saw a large rise in the number and value of decrees recorded against Scottish consumers in this quarter compared to the same period last year. At that time, interventions by government and regulators, and forbearance by creditors, in response to the Covid crisis had kept judgment numbers at historically low levels. But, as these measures were wound down, numbers have begun to rise again. The Covid economic crisis is far from over for financially vulnerable households.”

- Ends –

Q3 2020 Q3 2021 Change (compared with 2020)
Decrees against consumers
volume 2,805 3,487 24.3%
total value £7,601,178 £11,436,909 50.5%
average* value £2,710 £3,280 21.0%
median value £1,265 £1,628 28.6%
Decrees against all businesses
volume 525 523 -0.4%
total value £2,028,086 £2,536,984 25.1%
average* value £3,863 £4,851 25.5%
median value £1,203 £1,523 26.6%
Decrees against incorporated businesses
volume 437 447 2.3%
total value £1,686,050 £2,024,937 20.1%
average* value £3,858 £4,530 17.4%
median value £1,050 £1,500 42.8%
Decrees against unincorporated businesses
volume 88 76 -13.6%
total value £342,036 £512,047 49.7%
average* value £3,887 £6,737 73.3%
median value £1,424 £2,411 69.3%
volume 353 241 -31.7%
total value £1,012,803 £626,292 -38.2%
average* value £2,869 £2,599 -9.4%
median value £1,355 £1,249 -7.8%

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