Getting Started with Debt Recovery
What types of debts do you recover?
We handle a wide range of business-to-business and business-to-consumer debts across almost every sector.
What information do you need from me to start the process?
We will need:
- A copy of the unpaid invoice
- Debtor's contact details (if available)
- Your bank details to remit collected payments from your customer
- A VAT number for your company, if applicable
I'm unsure about debt recovery - I don't want to throw good money after bad.
That's understandable. We offer honest assessments and often work on a no-win, no-fee basis to reduce your financial risk.
The Recovery Process
How long will recovery take?
It varies. Pre-legal collection may take a few weeks, while legal proceedings can take several months depending on complexity.
What methods do you use to recover debts?
We use:
- Letters, emails, and calls
- Tracing and investigation
- Negotiation and payment plans
- Legal proceedings and enforcement, if required
What happens if the debtor has disappeared?
We offer debtor tracing services on a no find, no fee basis using secure and compliant databases and tools to help locate individuals or businesses who've gone off the radar.
What happens if the debtor disputes the debt?
We review the dispute, assess any documentation, and help resolve it. If unresolved, we can proceed with mediation or court action.
Fees, Outcomes & Risks
How much do your services cost?
We offer flexible pricing:
- No-win, no-fee
- A commission fee based on the debt profile, which will be agreed at outset of our partnership - we are always transparent about costs before proceeding.
Can fees be added to the debt?
In many cases, yes - particularly if your contract allows for it. We'll advise you on this during review.
What happens if you cannot collect the debt during the pre-legal process?
If recovery is unsuccessful, you won't pay recovery fees. As we approach the end of the pre-legal process, we will evaluate the account and advice if a Letter Before Action / Solicitor's Letter would be beneficial and discuss any litigation options. We do not encourage clients to move to litigation unless we feel that there is a high chance of success.
Legal Action & Escalation
Do I need a court judgment before you can help?
No. We start with pre-legal recovery. If that fails, we can help you obtain a County Court Judgment (CCJ) and enforce it.
Should I go straight to legal action?
We recommend starting with pre-legal action. It's more cost-effective and quicker. Legal escalation is an option if needed.
Do you offer legal services as well?
Yes. We provide access to legal advice, help issue claims, obtain CCJs, and support enforcement through bailiffs or High Court Enforcement Officers.
Client Relationships & Special Cases
Will using a debt recovery company damage my relationship with the customer?
Not necessarily. We act with professionalism at all times. We have client relationships spanning decades and work with leading global brands. Many clients maintain relationships after resolution - especially when early recovery is handled respectfully.
What happens if a debtor pays me directly after I've referred the case to you?
If a debtor pays directly after referral, our involvement is still valid, and fees may apply as outlined in our agreement.
Is there a minimum or maximum amount you recover?
We can pursue debts upwards of £25.00, though legal or cost thresholds may apply depending on the case.
Is there an age limit on invoices?
We can accept invoices for recovery up to five years old, but there are some nuances to this so worth speaking to us about aged debts.
Can you recover international debts?
Yes. We have a global reach and can pursue debts across borders legally and efficiently.
How can a DCA recover the debt when we couldn't?
We use specialist tools, tracing, and negotiation strategies that most internal credit control teams don't have access to - increasing the chances of success.
FAQ - Pay a Debt
