Commercial Debt Recovery UK

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Recovia helps businesses recover unpaid invoices, contractual debts, overdue accounts and judgment debts across England, Wales and Scotland. We assess the evidence and the debtor’s position before recommending a practical recovery strategy.

From a single overdue invoice to a portfolio of accounts, our approach combines direct contact, negotiation and debtor tracing where needed. We aim to recover payment while protecting commercial relationships wherever possible.

No-win, no-fee recovery is available on suitable cases. The scope, fees and any additional costs are agreed upfront. Any proposed legal escalation is discussed with you, with court proceedings handled through our legal partner where appropriate.

We recover business-to-business debts, including:

• Unpaid invoices for goods or services
• Contractual debts, retainers and staged or project payments
• Overdue trade accounts and aged ledgers
• Judgment debts that remain unpaid after a court judgment

Larger ledgers and bulk instructions are covered on our Corporates & Portfolios page, and complex or large-value cases on High-Value Debt Recovery.

1. Send us the details. The invoice or agreement, the amount owed, the debtor’s details and any correspondence.
2. Free assessment. We check the evidence, the age of the debt and the debtor’s position, including whether they can realistically pay.
3. You approve the plan. We set out our recommended approach and our fee in writing. Nothing happens until you agree.
4. Pre-legal recovery. Formal letters, calls, email, SMS and negotiation with decision-makers, aimed at payment in full or a formal repayment plan. We review any offer with you before agreeing to it.
5. You get paid. Where possible, the debtor pays your account directly, and we invoice our success fee afterwards.

Each stage is explained in more detail on Our Process.

Usually, yes. For business-to-business debts, the Late Payment of Commercial Debts (Interest) Act 1998 lets you claim statutory interest at 8% above the Bank of England base rate, plus fixed compensation of £40, £70 or £100 per invoice depending on its size, and reasonable recovery costs. This applies unless your contract already provides a substantial remedy for late payment. Where they apply, we add these from the first demand.

Sooner rather than later. Debts become harder to recover as they age and as a debtor’s position worsens. It is usually worth instructing us when:

• the invoice is overdue and your own reminders have gone unanswered
• promised payments keep slipping
• the debtor has stopped engaging, moved or changed its trading name
• you are concerned the debtor may be in financial difficulty

Time limits apply: usually six years from when payment was due in England and Wales, and Scotland has its own time limits, which can be shorter. If the debtor can’t be found, debtor tracing can locate them and their assets.

Tell us about any dispute at the outset. We review the contract, invoices, delivery or completion records and correspondence to see whether the dispute has substance. If it doesn’t, we respond with the evidence and continue recovery. If the dispute is genuine, we advise you on the options, which may include negotiation or, with your approval, proceedings through our legal partner. Genuinely disputed debts are not usually suitable for no win, no fee, or for a statutory demand.

We assess whether legal action is worthwhile, looking at the evidence, the debtor’s finances, the likely costs and the prospects of recovery. No legal action starts without your written approval, and we tell you the costs before anything is spent. The options include:

• County Court claims and CCJ enforcement
• High Court Enforcement of judgments of £600 or more
• Statutory demands and winding-up petitions for undisputed debts
• In Scotland, Simple Procedure or Ordinary Cause, followed by diligence (debt recovery in Scotland)

Court proceedings are handled through our legal partner, an established firm of solicitors. Court fees and legal costs sit outside no win, no fee.

Related services: No Win No Fee · Debtor Tracing · Credit Control · International Debt Recovery

Provide the invoice or agreement, the amount outstanding, the debtor’s contact details and relevant correspondence. Tell us about any dispute, payment promise or existing judgment so we can assess the next step.

Explore our services in England, Wales and Scotland, or see all areas we serve.

Request a debt assessment or contact Recovia to discuss your case.