Time to pay directions

An application form for the TTPD is included with the summons. The debtor can either make application in writing or attend court personally (lay representatives are permitted), and they can offer payments by instalments or as a lump sum.

The creditor can reject the offer, and they must send a copy of the rejection minute to the debtor.

The final decision will lie with the sheriff. The length of the proposed payment timescale will be a major factor in the decision. If the offer is accepted, the creditor can take no further action (this is effectively a diligence stopper).

If a debtor misses two payments, on the date the third payment becomes due, the time to pay direction collapses and the creditor can then begin to enforce payment.