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Scotland: sheriff officers

Walker Love: An Independent Firm of Sheriff Officers

Walker Love are sheriff officers, legally W L Recoveries Limited, and they work under Scots law rather than the bailiff regime, so the fee scale and the Enforcement Conduct Board do not reach them. This page covers who they are, who instructs them, and what to do next.

  • Independently owned, not group-owned
  • Best evidence: Inverclyde, from April 2026
  • Sheriff officers, not certificated agents
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What are Walker Love contacting you about?

May not be suitable in all circumstances. Our initial advice is free, but fees may apply and your credit rating may be affected if you opt for a debt solution.

How we produce this guidance

Company details

Type Sheriff officers and messengers-at-arms (Scotland)
Registered name W L Recoveries Limited
Company number SC084578

Key facts

Legal name
W L Recoveries Limited, company number SC084578
Ownership
Independent; an individual PSC, no corporate parent
Best evidenced council
Inverclyde, sheriff officer from 1 April 2026
Not covered by
TCEA 2007, Enforcement Conduct Board, Sch 12 fee scale
On this page 7 sections

Most people who reach this page have been contacted by someone identifying themselves as Walker Love and want to know who that actually is before deciding anything.

Who are Walker Love?

Walker Love is the trading name of W L Recoveries Limited, registered at Companies House under company number SC084578, incorporated on 12 September 1983, with its registered office at 16 Royal Exchange Square, Glasgow, G1 3AB. Check the number on Companies House rather than the trading name alone, because the register shows the same company operating under four different names since 1983: Strathclyde Credit Services Limited until 1999, then George Walker & Co. (Credit Consultants) Ltd until 2014, then Walker Love Recoveries Limited until 2019, and W L Recoveries Limited since. Procurement and council documents often lag behind a company's current legal name, and a small number still name the supplier as "George Walker & Co t/a Walker Love", which is an out of date legal name rather than a different company.

The persons with significant control filing names an individual, David Allan Walker, holding between 25% and 50% of the shares, notified 1 January 2019, with no corporate parent recorded. That is worth stating plainly because Scotland's two largest firms of sheriff officers, Scott & Co and Stirling Park, are each the Scottish arm of a wider enforcement group with its own profile elsewhere on this site. Walker Love's own register entry shows no equivalent relationship, and the company describes itself as a family business now in its third generation, though that particular description is the firm's own claim about itself rather than something the register states.

Sheriff officers and messengers-at-arms

Walker Love's own site describes the firm as holding commissions as sheriff officers and messengers-at-arms across all six Scottish sheriffdoms, working from eight offices. That description comes from the firm's own marketing rather than an independently checked commission register, so it is usually safer to treat the office count and sheriffdom coverage as the company's own claim rather than a verified fact.

Sheriff officers and messengers-at-arms are officers of court, acting under a commission granted by the courts, not a private enforcement business acting on its own authority. If you have been told that bailiffs are on their way, that is the English and Welsh term for a different role under different law; in Scotland the correct term is sheriff officer or messenger-at-arms, and treating the two as interchangeable can send you looking for the wrong rights and the wrong process.

Because of that, Walker Love is not certificated under the Tribunals, Courts and Enforcement Act 2007, is not accredited by the Enforcement Conduct Board, which has no jurisdiction in Scotland, and does not charge under the Taking Control of Goods fee scale used in England and Wales. What Walker Love actually carries out is diligence, a different family of procedures under Scots law. Sheriff officers and messengers-at-arms in Scotland explains how diligence works in full, and this page does not repeat it.

Which councils Walker Love works for

The strongest evidence for any Walker Love council relationship comes directly from Inverclyde Council's own website, which states that "Walker Love is the council's Sheriff Officer and Debt Recovery Partner from 1st April 2026", replacing its previous supplier, Alex M Adamson, whose Inverclyde instruction ended on 31 March 2026. The council's own page states that anyone previously dealt with by Alex M Adamson on an Inverclyde case should have received a changeover letter from Walker Love.

Walker Love also appears in a City of Edinburgh Council contract award notice, published 9 January 2026, for a Sheriff Officer Services framework, alongside Scott & Co, the other of Scotland's two largest sheriff officer firms. Treat this as weaker evidence than Inverclyde's: the notice itself returned an access error when checked directly, so this account is drawn from a summary of its contents rather than the full document, and the notice names the supplier under the outdated trading name "George Walker & Co t/a Walker Love" rather than its current legal name. The Edinburgh relationship is reported rather than independently confirmed to the same standard as Inverclyde's.

No other council instruction for Walker Love has been independently verified for this page. If you have a case with a different Scottish council and have been told Walker Love is instructed, check that council's own website or contact it directly rather than relying on this page, a letter, or a search result. In practice, a council's own current page is usually the safest way to confirm which firm it now instructs, since a relationship like this one can change without much public notice, as Inverclyde's own switch away from Alex M Adamson shows.

What else Walker Love do

Beyond council instructions, Walker Love's own site describes general debt recovery, citation and diligence work for courts and private creditors, tracing and investigation work for businesses and third sector organisations, and an international recovery network it brands Connexx. None of that changes how diligence itself works. The procedures, time limits and protections are the same family of Scots law covered on sheriff officers and messengers-at-arms in Scotland, attachment and exceptional attachment orders and earnings and bank arrestment, whichever firm happens to be carrying it out.

How sheriff officers are regulated, and how to complain

There is no single Scottish regulator equivalent to the Enforcement Conduct Board. Three separate channels exist instead. The Society of Messengers-at-Arms and Sheriff Officers, known as SMASO, is the professional body covering the whole of Scotland, but it describes its own role as representative rather than regulatory, and officer commissions come from the courts rather than from SMASO itself, so it should not be treated as Scotland's version of the Enforcement Conduct Board. Because sheriff officers are privately employed, a complaint about the firm's own service can go to Walker Love directly. And because the underlying authority is a court commission, a complaint about the conduct of the diligence itself may need to go in writing to the Sheriff Principal, through the local sheriff court, since that judicial office actually holds oversight of the commission. mygov.scot's own guidance sets out which route fits which kind of complaint.

If Walker Love has contacted you

Ask for the officer's name, which firm they work for, and which court granted the commission they are acting under, and ask what diligence has actually been instructed rather than assuming a letter and an officer at the door are the same stage. Check the underlying document, whether that is a charge for payment or a court decree, before assuming any diligence can lawfully proceed. If the case is a council tax matter for Inverclyde, the council's own website confirms the Walker Love relationship directly; for any other council, check its own website rather than taking a caller's word for it. If you believe the debt is wrong, raise it with the creditor or council that instructed Walker Love, since Walker Love has no authority to rewrite an account it did not create. If money is genuinely short or your circumstances are vulnerable, put that in writing now, and see sheriff officers and messengers-at-arms in Scotland for the options, including a time to pay order and the Debt Arrangement Scheme, that can apply regardless of which firm is instructed.

Before you respond: a short checklist

  1. Get the officer's name, the firm, and which court granted their commission.
  2. Check the underlying charge for payment or decree, not just the letter.
  3. If it is a council tax case, check the council's own website for the firm it currently instructs.
  4. Debt wrong? Raise it with the creditor or council directly, in writing.
  5. Struggling to pay? Put that in writing now rather than waiting.
  6. Complaint about conduct? Work out whether it concerns the firm's service or the diligence itself, since those go to different places.

How to contact Walker Love

Phone
Walker Love does not publish a general telephone number. Use the number printed on the letter or notice they sent you, it routes to the team handling your case, and it is the only number we can be confident is current.

Numbers for enforcement firms listed on council websites are often out of date, and some are premium-rate 0871 lines that charge you for the call. Treat them with caution.

Registered address
16 Royal Exchange Square, Glasgow, G1 3AB

Before you call

Calling Walker Love does not stop enforcement on its own, but it is usually better than ignoring the letter. A few minutes of preparation makes the call go better.

  • Have the reference number from their letter to hand, it identifies the debt and the stage it has reached.
  • Work out what you can genuinely afford each month before you ring, not during the call.
  • Write down the name of the person you speak to, the date and what was agreed.
  • Ask for any arrangement to be confirmed in writing before you make a payment.
  • If you are struggling with your health, a disability, or caring responsibilities, say so, firms must take vulnerability into account.

You are not obliged to agree to an amount you cannot afford because it is pressed on you during a call. If an offer is refused, that refusal is not the end of the matter, it can be reviewed, and a complaint can be made if the handling was unreasonable.

How a Walker Love debt could reach bailiffs

A debt collector cannot send bailiffs. Only a court can, and only after a judgment. These are the stages in between, and each one is easier to deal with than the one after it.

  1. A collector asks you to pay

    No court is involved yet. A debt collection agency has no enforcement powers at all, it cannot enter your home, take goods or add enforcement fees. This stage can last a long time.

    What debt collectors can and cannot do

  2. A County Court claim is issued

    The creditor, or the company that bought the debt, asks the court to decide you owe the money. This is the stage where the deadlines start to matter, and where a defence such as limitation has to be raised.

    Check whether the debt is too old to enforce

  3. Judgment is entered (a CCJ)

    If you do not respond in time, judgment is entered by default, without anyone examining whether the debt was correct. A CCJ stays on your credit file for six years.

    How to check whether you have a CCJ

  4. A warrant or writ of control is issued

    An unpaid judgment can be enforced. This is the document that authorises enforcement agents to attend, and the point at which a debt collection matter becomes a bailiff matter.

    What a warrant of control allows

  5. Enforcement agents can attend you are here

    Now there are real powers: peaceable entry, taking control of goods, and statutory fees of £79, £247 and £116 at defined stages. This is the stage the earlier ones exist to avoid.

    What bailiffs can and cannot take

Which bailiffs would actually attend

That depends on the amount and on what kind of debt it is, and the rule is set by article 8 of the High Court and County Courts Jurisdiction Order 1991 rather than by the creditor's preference.

  • Under £600, the judgment can only be enforced in the county court, so county court bailiffs attend under a warrant of control.
  • £5,000 or more, and not a regulated credit agreement, it can only be enforced in the High Court, so High Court enforcement officers attend under a writ of control. They charge on a different and higher fee scale.
  • Anything else, including a regulated credit agreement of any size, may be enforced in either court.

Whether your agreement is regulated by the Consumer Credit Act 1974 changes which court can enforce it. Credit cards, loans, overdrafts and catalogue accounts usually are; council tax, traffic penalties and court fines are not, and those reach enforcement by a different route entirely.

If several debts are enforced together

This happens often, particularly where one company has bought several of your accounts, or where a council has more than one liability order against you. The enforcement agent is instructed on all of them at once and deals with them on the same visit.

The fees do not simply multiply, and this is where people are most often overcharged. Where the agent is instructed under more than one enforcement power against the same debtor, and those powers can reasonably be exercised at the same time, regulation 11 of the Taking Control of Goods (Fees) Regulations 2014 splits the treatment:

  • The £79 compliance fee may be charged for each enforcement power. Several of these is correct.
  • The £247 enforcement fee and the £116 sale fee may each be charged only once, however many debts are involved.

So three debts enforced together should cost three compliance fees and one enforcement fee, £484, rather than three separate lots of £326. If you have been charged an enforcement fee for each debt on a single visit, that is worth challenging in writing.

The saving depends on the debts genuinely being enforceable at the same time. Where an agent legitimately attends on separate occasions for unrelated matters, separate fees can apply, so it is worth checking the dates and references on the fee breakdown before challenging it.

Not sure which one is contacting you? How to tell from the paperwork

Frequently asked questions

Is Walker Love part of a larger enforcement group?

No corporate parent is recorded against Walker Love on the Companies House register. Its persons with significant control filing names an individual, David Allan Walker, unlike Scotland's two largest sheriff officer firms, which are each the Scottish arm of a wider group.

Which councils does Walker Love work for?

Inverclyde Council's own website confirms Walker Love as its sheriff officer and debt recovery partner from 1 April 2026, replacing Alex M Adamson. Walker Love is also named, alongside Scott & Co, in a City of Edinburgh Council contract award notice from January 2026, though that evidence is weaker than Inverclyde's. No other council instruction has been independently verified here.

Is Walker Love the same as an English enforcement agent?

No. Walker Love are sheriff officers and messengers-at-arms, an officer-of-court role under Scots law that is not certificated under the Tribunals, Courts and Enforcement Act 2007 and is not accredited by the Enforcement Conduct Board.

How do I complain about Walker Love?

It depends what the complaint concerns. A concern about the firm's own service can go to Walker Love directly. A concern about the conduct of the diligence itself may need to go in writing to the Sheriff Principal through the local sheriff court. SMASO, the professional body, is not a regulator in the way the Enforcement Conduct Board is for England and Wales.

How do I check a Walker Love letter or call is genuine?

Check the company number, SC084578, against Companies House rather than any number printed only on the letter. If the debt relates to a council, check that council's own published page for the firm it currently instructs, since councils do change supplier, as Inverclyde did on 1 April 2026.

Sources

  1. Companies House register GOV.UK Checked 2026-08-13
  2. Inverclyde Council — sheriff officer and debt recovery partner notice Inverclyde Council
    Walker Love is the council's Sheriff Officer and Debt Recovery Partner from 1st April 2026
    Checked 2026-08-22

Next step

Not sure where you stand?

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