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The answers are all Scottish towns or villiages and the one clue to get is: Happy Crossing. Any help appreciated.

Any letters to go on ?
Thinking of ending 'bridge' of 'ford'

Bonnybridge ?

Bonnybridge sounds good.
According to Anne Bradford's dictionary,
bonny = happy; and bridge is of course a crossing.
Bonnybridge is a small town in the Falkirk area of Scotland.

Thanks for your replies but if the answer is Bonnybridge then it's a poor clue. One other I missed was: Demand payment for a debt. Again the answer is a Scottish town or villiage. No letters I'm afraid.