Frequently Asked Questions

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-collection, no-fee basis to reduce your financial risk.

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, SMS and telephone
• 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.

How much do your services cost?
We offer flexible pricing:

• No-collection, 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 our commission. 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, advising of any fixed fees that may apply. We do not encourage clients to move to litigation unless we feel that there is a high chance of success.

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, if required.

Should I go straight to legal action?
We recommend starting with pre-legal action. It's more cost-effective and can yield results quickly. Legal escalation is an option, if needed.

Do you offer legal services as well?
Yes. We can provide access to legal advice, help issue claims, obtain CCJs, and support enforcement through bailiffs or High Court Enforcement Officers.

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.

Getting started is very straightforward. Once we have discussed your debt ledger or perhaps a specific challenging invoice, we will agree a commission rate, confirm whether you wish to apply interest or recovery charges, and outline everything within a Service Level Agreement (or contract, should you prefer). We then simply require details of the debts to begin the recovery process. Our team will help you every step of the way.

Our pre-legal recovery services are provided on a no collection, no fee basis. Should your case require additonal services such as Solicitor's Letter, Pre-litigation reporting, or litigation, charges will apply. We will talk you through all fixed costs and seek written authorisation before proceeding.

Yes. Clients are supported by a dedicated account manager. Whilst our ClientWeb provides real-time visibility and reporting, we continue to place strong importance on responsive, relationship-led client support.

Yes, all our services are delivered from our UK offices. We welcome client visits by arrangement.

Yes. ClientWeb is a bespoke built client management portal which provides our clients with full visibility on any accounts placed with us. Clients can view all activity, upload supporting documents, respond to queries, give specific direction relating to single or multiple invoices, refer new business and build and generate reports.

Within ClientWeb, there are typical reporting templates that we know are vital to our clients. Building and generating new reports is straightforward but for anything more complex, we can build these for you.

We have standard workflows which meet Credit Services Association guidelines as well as data protection and GDPR legislation. We are happy to advise and build bespoke workflows to meet your operational needs, if required.

For volume ledgers, having access to client systems is often more efficient. Speak to us about your requirements and we will advise on the best way forward.

Our expertise lies in managing high-volume, lower-value debt portfolios efficiently and at scale. Supported by automation and proven workflows, we handle everything from individual referrals to complex, high-volume ledgers with ease.

We work with virtually all sectors across B2B and B2C. However, we do not collect regulated debt (loans, credit cards, consumer hire agreements). We can speak to you about this and advise if the debt is regulated and how you would be best approach this.

We have been collecting international debt since 1980, and we have a range of tools to help us manage cross border collections and overcome language barriers. International debt is collected from our UK offices, with the ability to outsource to a carefully selected in country partner if we feel we need a more localised approach. Our team will advise if this approach should be considered.

Yes, we can help reconnect you with anyone, anywhere in the world - on a no find, no fee basis. We have multiple trace solutions that we can talk you through.

We are adept at dealing with disputed debt and account resolution. We treat customers fairly and will advise you whether you have a fair case for recovery.

Litigation is not right for every account, and successful recovery is all about escalation at the right time and point in the journey. We have a great deal of success in pre-legal recoveries, which avoids throwing good money after bad. Our team will speak to you about best approach, and whether legal fast track should be considered.

Accounts can be passed to us as soon as they become overdue, or just when you feel that is has been exhausted by your in-house teams. Cases placed with us are initially moved to our cleanse and append department to ensure data compliance and give us the best contact details for recovery. Following this, active collection activity usually starts within a matter of days of us receiving your cases (and this can be tracked in ClientWeb).

Compliance is at the very heart of what we do and woven into every process. We are founding members of Credit Services Association and hold ISO 27001 and ISO 9001. We also have Cyber Essentials and many other accreditations which are displayed on our website.