Read Time 5 Minutes, 20 Seconds

Stirling Park Debt Collection might seem intimidating when you have to face them. The instinct to overlook it could be strong. But remember, taking such a route could potentially make things even more complex. 

So, you might wonder what’s the best course of action? With Stirling Park looming, let me introduce you to your choices. What happens next might surprise you.

Charlie Walsh
Last updated on 09 August 2023
Fact Checked

Table of Contents

1. Understanding Who Stirling Park Is
2. Verify Exactly Why They Are Contacting You
3. Verify If Their Claim Is Enforceable
4. Does the Debt Belong to You?
5. Determining If the Debt Is Still Valid
6. When You Do Owe an Enforceable Debt to Stirling Park
7. Ensure The Plan Is Feasible
8. When You Just Ignore a Debt to Stirling Park
9. How Might Stirling Park Impact Your Credit Score?
10. The Law and Your Debt to Stirling Park
11. Can I Complain About Stirling Park?
12. Where Can I Get Free Advice?
13. Other Debt Collectors to Look Out for on Your Credit Report
14. Stirling Park Contact Details
15. Key Points
16. FAQ


Understanding Who Stirling Park Is

Stirling Park is a well-established debt collection agency based in the United Kingdom. They handle a broad range of debts, including council tax arrears, parking fines, and personal loans operating as intermediaries between creditors and debtors.

Their business model involves purchasing debts from original creditors. This is often at a lower rate and then collecting the full amount from the debtors. Understanding who Stirling Park is and their modus operandi can help you navigate interactions and manage your debt effectively.

Verify Exactly Why They Are Contacting You

Stirling Park reserves the right to send representatives to whatever address they can identify for you, including former locations. They may also send letters to any addresses they are able to locate you. 

Unless you have an Exceptional Attachment Order, you should never let these representatives into your house. They may attempt to force their way in, which is considered a criminal act according to the law, but only if proven. Keep the door closed if possible. Just open it enough to pass through and use the chain if necessary. Keep an eye out for anyone attempting to put their foot in it. 

If Stirling Park reaches out to you, it’s essential to ascertain exactly why they are contacting you. Mistaken identities or errors in debt records can occur. Therefore, you should request detailed information about the debt they claim you owe. 

The details should include the original creditor’s name, the date the debt was incurred, and any additional charges. Confirm why they are contacting you. Insist on specific responses to the following questions.

  • What amount do they claim you owe?
  • Who is the obligation owed to?
  • What do you have as proof that you owe the debt?
  • What are their next step recommendations for this?

Verify If Their Claim Is Enforceable

Recognising that not all debt collection agency allegations are enforceable is critical. Some claims they make may be unenforceable. This may be due to variables such as the age of your debt and the acceptance of your debt. This helps to determine whether the claim falls within the statute of limitations

Always consult a legal or financial advisor to verify a claim’s enforceability. Check to see whether Stirling Park is contacting you, learn about their specific position, and see if their claim is enforceable. 

Maintain your cool and decide what to do next based on the specific scenario. There is always a solution. Verify the enforceability of a claim by satisfying two conditions:

  • The debt belongs to the claimant
  • The debt is collectable.

Does the Debt Belong to You?

Stirling Park may sometimes contact you about a debt that doesn’t belong to you due to administrative errors or mistaken identity. You have the option to challenge such a claim. Request proof of the debt, and if the company refuses, you can have the debt deleted from your record.

If you suspect you are being pursued for a debt that belongs to someone else or has previously been paid, the conventional line of action is to issue a “prove the debt letter.” This may be sent as an email or as a letter. It should contain the option to create a specific email address for dealing with Stirling Park. 

If sending by letter, it is advisable to use recorded delivery. Supplying a reference number is reasonable, especially if you don’t have a proper scanner or printer.

Stirling Park should respond with proof of ownership, which may include a credit application and loan agreement. This is a detailed statement of account, a copy of the default notice, and a copy of the formal demand. 

If the debt has been sold, a statement from the original creditor and confirmation that this was permitted under your loan agreement should also be provided. If Stirling Park does not respond and continues to make collection attempts, consider the matter closed. 

However, it is advisable to check your credit record to ensure the action has not triggered an incorrect entry. If Stirling Park does not respond, follow up on the original letter using available online templates.

You should enter a defence within the given time frame to avoid a County Court Judgement. That might help being entered against you if you have been served court documents. You may have to get legal advice immediately if you don’t.

Determining If the Debt Is Still Valid

In the UK, a debt usually becomes ‘statute barred‘ after a period of six years of non-acknowledgement. However, the specific timeframe can vary depending on the type of debt. It’s essential to confirm whether the debt Stirling Park is pursuing is still legally valid. If a debt is not collectable, insolvency proceedings can be commenced. 

Stirling Park must be notified using online templates if a debt is subject to insolvency proceedings. Statutory-barred debt happens when there have been six or five years after the last payment of unsecured obligations and no formal notice from the creditor has been received. This implies that while the debt technically exists and owes money, there is no legal method to enforce it. 

Debts such as HMRC debts, which can be enforced for decades, or debts with a County Court Judgement (CCJ) attached within the 5- or 6-year interval, cannot become statute-barred.

When You Do Owe an Enforceable Debt to Stirling Park

If Stirling Park has contacted you, and after checking and rechecking, it’s become clear that you do, in fact, owe an enforceable debt, the question is, what do you do next?

Keep Calm and Formulate a Plan

Remaining calm should be your first step. However, keep in mind that fear typically leads to rash actions, which is the last thing you need. Remember, owing Stirling Park money isn’t the end of the world. They are willing to talk, and, more significantly, they want to see you working to pay off your debt. 

Open Communication Channels

Communication is key when dealing with Stirling Park. So, you should contact them.  Keep in mind clear and open communication can solve many problems. Talk to them about your current financial situation. They are obliged to listen and consider your circumstances. This might help them before deciding on the next steps.

Negotiate a Repayment Plan

But what might happen if you cannot pay the full amount to them immediately? That’s where negotiation comes into play. Now, you might be wondering whether you can negotiate with Stirling Park. The answer is a resounding yes. 

Discuss with them to establish a repayment plan that fits within your budget. When planning this, it’s essential to be realistic about your income and expenses. Make sure you’re able to stick to the plan to avoid falling further behind.

Ensure The Plan Is Feasible

Here’s a little tip. Make sure your repayment plan isn’t just acceptable but feasible. There’s a difference. An acceptable plan is one that Stirling Park agrees to, but a feasible plan is one you can consistently follow. 

This should be done without compromising your essential needs. Remember, a good plan is one that respects your financial capabilities. Below are some steps that you should follow and feasible payment solutions that you can pick based on your ability to handle each. 

Be Transparent About Your Financial Situation

Don’t hesitate to be transparent about your financial situation with Stirling Park. If your income fluctuates or you foresee financial challenges in the near future, let them know. A clear picture of your financial health allows Stirling Park to understand your capacity. 

This might help you to repay, leading to a more feasible plan. This ongoing process may require multiple interactions with Stirling Park, so remember to be patient.

Stick to the Agreed Plan

Once a plan is set, commit to it. Ensuring regular payments as per the agreed plan can help you gradually reduce your debt without the stress of one large payment. Even if you can only afford small amounts at a time, consistent payments can make a huge difference in chipping away at your debt.

Debt Management Plan (DMP)

It is a non-formal debt solution. This allows customers to pay off their debts in one instalment every month. It is also not legally enforceable and is not based on specific payments.

Individual Voluntary Arrangement (IVA)

This formal agreement occurs between the individual and their creditors, typically lasting 5 or 6 years. IVAs are not suitable for everyone, as they require substantial debt and disposable income to multiple creditors. IVAs normally run for 5 or 6 years, and any remaining obligation is discharged at the conclusion.

Trust Deeds

Trust Deeds (which are not available in Scotland) work similarly to IVAs but involve paying an agreed sum each month among creditors. If they are unable to contact you, any remaining debt at the conclusion of your Trust Deed period is wiped off.

Debt Relief Order (DRO) 

This is a good option for those facing financial distress or hardship with no assets and little income. For 12 months, no payments are made, but creditors freeze interest and don’t contact the individual. If finances haven’t improved, unsecured debts may be written off. 


It is a financial situation that should not be taken lightly. You may need to file for bankruptcy if you have debts but no realistic chance of ever repaying them. Bankruptcy has an unjust connotation because it may be your sole option for a new financial start.


Sequestration is the Scottish version of bankruptcy, and if the individual has little income and no valuable assets, they may be eligible for a minimal asset process bankruptcy (MAP).

Seek Professional Help If Needed

Remember that you are not alone in dealing with these issues. There are various non-profit groups in the UK that offer free debt counselling. They can help you understand your options and your rights and assist you in negotiating with Stirling Park.

So there you have it, a comprehensive step-by-step approach to managing an enforceable debt with Stirling Park. It might seem overwhelming initially, but you can handle this debt effectively with a calm mind, open communication, and a feasible plan. 

When You Just Ignore a Debt to Stirling Park

Ignoring a debt to Stirling Park is never a good idea. They have the right to take further action. These include court proceedings if the debt is valid and enforceable and you don’t respond. These might have a detrimental impact on your credit score. Also, it can affect your future financial opportunities. 

Failing to pay a debt owed to Stirling Park may result in an enforcement action. These must be “reasonable” and not harassing. Stirling Park may contact you within “reasonable” hours, such as 8.00 PM to 9.00 PM. on weekdays and 9.00 AM. to 9.00 PM on weekends. You cannot take calls on Sundays or bank holidays. 

They can also send letters and representatives to your home. Also, they must act responsibly and refrain from intimidating, threatening, or lying to you. They are not compelled to be unobtrusive in their presence. Furthermore, they can add charges, interest, and penalties to the amount outstanding, which can quickly stack up and exceed the initial obligation.

How Might Stirling Park Impact Your Credit Score?

Unpaid and enforceable debts are reported to credit bureaus. This can negatively affect your credit score. This can limit your access to future credit facilities, including loans, mortgages, and credit cards. 

Hence, it’s important to address any debts promptly to protect your credit score. If you disregard Stirling Bank’s CCJ, it will negatively influence your credit score. Credit businesses analyse your credit report to identify high-risk consumers who may fail to repay loans on time. 

A CCJ might remain on your credit reports for six years, reducing your credit score even further. Stirling’s mistake letters, on the other hand, will have no effect on your credit score. 

So if you received a letter by mistake, you don’t have to be concerned. Stirling cannot do anything, and your credit will not be damaged if you can show that you paid the parking charges to Glasgow Council.

The Law and Your Debt to Stirling Park

There are laws and regulations in place to protect debtors in the UK. Stirling Park is not allowed to harass you or enter your home without your permission. Also, they cannot misrepresent the consequences of not repaying the debt. 

Knowing your rights might help you handle the situation more confidently. Stirland Park may proceed with legal enforcement action if phone calls, letters, and visits do not yield results. They can register a default on your credit file. Also, they can apply for a County Court Judgement (CCJ) and issue a statutory demand for debts over £5000. 

Also, they can make an earnings or bank arrestment and have the “right to offset” when you have two separate accounts with the same organisation. They can apply for an Attachment of Property Outside the Home Order or an Exceptional Attachment Order. These actions can harm your credit record and serve as a first step towards further enforcement action. 

It is generally better to sell assets yourself and use the money to pay Stirling Park than to have them seize your assets. It is crucial to be aware that debt collection agencies like Stirling Park may not be interested in getting the best price for your assets. 

So, it is generally better to sell assets yourself and use the money to pay Stirling Park rather than having them seize your assets.

Can I Complain About Stirling Park?

You have every right to lodge a complaint against Stirling Park if you believe they’ve treated you unfairly. You can take up your complaint to the Financial Ombudsman Service if Stirling Park doesn’t resolve it satisfactorily. 

Remember to keep a record of all communications for evidence. If you feel Stirling Park has acted unfairly or inappropriately, you can make a complaint with the Financial Conduct Authority (FCA). Contact Stirling Park first to handle the problem; if they don’t take it seriously, escalate it. 

Once you report the matter to the Financial Ombudsman Service (FOS), they will investigate and penalise Stirling Park if it is not appropriately remedied. You may be eligible for monetary compensation if your complaint is upheld.

Where Can I Get Free Advice?

Several organisations provide free advice on debt issues in the UK. These include:

  • StepChange
  • National Debtline
  • Citizens Advice Bureau. 

These services could help you understand your options and rights as a debtor and guide you through repayment. Citizens Guidance, National Debtline, and Citizens Advice are UK non-profits providing individuals with free debt counselling and financial guidance. 

These agencies may walk consumers through their options and help them choose the best debt management plan for them.

Other Debt Collectors to Look Out for on Your Credit Report

Stirling Park is one of many debt collection agencies operating in the UK. You may also see names such as 

  • Lowell
  • Cabot
  • Moorcroft 
  • PRA Group

On your credit report. Remember to verify any debts listed on your report to ensure they’re accurate and valid. There are various debt collectors in the UK, each collecting for a different company. It’s easy to disregard the fact that a debt collector is pursuing you, but avoid doing this. 

Stirling Park Contact Details

Address: Stirling Park LLP 25 Bank Street Kilmarnock KA1 1HA
Telephone: 01563 546 518

Mon to Thu –8:30am to 6:30pm

Fri – 8:30am to 6pm

Contact: Contact Form
Website: stirlingpark.co.uk

Key Points

  • Stirling Park is a prominent UK-based debt collection agency that handles a broad range of debts, such as council tax arrears, parking fines, and personal loans.
  • Understanding their function can aid in managing interactions with them effectively.
  • Request detailed information about the alleged debt.
  • Not all debt claims by agencies like Stirling Park are enforceable.
  • If Stirling Park contacts you about a debt that isn’t yours, it’s essential to dispute it.
  • Hence, confirming whether the debt Stirling Park is pursuing is still legally valid is essential.
  • Professional help from non-profit organisations in the UK can be sought for free debt advice and assistance in negotiations with Stirling Park.
  • Ignoring a valid and enforceable debt to Stirling Park can lead to legal actions that may negatively affect the debtor’s credit score and future financial opportunities.
  • It’s permissible to lodge a complaint against Stirling Park if they’ve treated you unfairly, escalating the complaint to the Financial Ombudsman Service if necessary.
  • Other debt collection agencies operating in the UK, like Lowell, Cabot, or Moorcroft, may also appear on your credit report.
  • Contact details for Stirling Park are readily available, including their address, telephone number, website, and an online contact form for ease of communication.
  • If the debt claimed by Stirling Park is yours and within your financial capacity to pay, settling the account is necessary.


Do I need to pay Stirling Park?

If the debt has been validated as yours and falls within your financial capacity to pay, then it’s necessary to settle your account. However, it may not be enforceable if the debt does not belong to you or if it is more than six years old.

Are Stirling Park Sheriff officers?

Yes, Stirling Park is indeed made up of Sheriff Officers. According to their official site, the team comprises 20 Sheriff Officers working in tandem with a robust debt collection service.

What should I do if I believe the debt claimed by Stirling Park is not mine?

If you believe the debt is not yours, you should contact Stirling Park directly to dispute the claim. Provide them with as much information as possible to support your case.

Can I complain about Stirling Park?

Yes, you can file a complaint if you believe that Stirling Park has treated you unfairly. If your complaint is not resolved to your satisfaction, you can escalate it to the Financial Ombudsman Service.

Where can I get free advice on dealing with Stirling Park?

There are several non-profit organisations in the UK that provide free debt advice. They can help you understand your rights and options and guide you on how to negotiate with Stirling Park.

How can I verify the legitimacy of the debt claimed by Stirling Park?

Ask Stirling Park for detailed information about the debt, including the original creditor, the amount owed, and any actions taken on the account. This can help you verify whether the debt is yours and if it is still enforceable.

Can I negotiate the repayment plan with Stirling Park?

Absolutely. Stirling Park is obliged to consider your financial circumstances and work with you to develop a manageable repayment plan. Considering your income and essential expenses, ensure the plan is feasible for you.

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