Commercial Debt Recovery Birmingham

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Recovia helps Birmingham and West Midlands businesses recover unpaid invoices and commercial debts. We act for manufacturers, suppliers, contractors and service businesses, whether the debtor is down the road or on the other side of the country. No collection, no fee recovery is available on suitable cases.

Supply-chain debt needs a firm but careful approach

Much of the West Midlands economy runs on supply chains: components, materials, logistics and subcontracted work. When one business pays late, the delay passes down the chain. And you often still want to trade with the customer who owes you.

So we start with a professional approach aimed at payment, not a fight. We only escalate when the debtor gives us no other option, and only with your approval.

Common Birmingham debt situations

• Goods supplied and invoiced, but not paid. We check the delivery records and terms before we demand payment.
• Construction and subcontract work. Payment applications, retentions and disputed variations. We check the paperwork first, so the demand stands up.
• Customers paying part and promising the rest. We turn promises into a written, enforceable repayment plan.
• A debtor under pressure. We check insolvency filings early, so you can claim in time if the company fails.

How we recover the debt

1. Due diligence. Credit checks, county court judgment and insolvency searches, and Companies House filings, so we know whether the debtor can pay.
2. Pre-legal recovery. Formal demands, calls, email and SMS to decision-makers. Statutory interest and compensation are added where the Late Payment Act applies.
3. Negotiated settlement. You sign off any settlement or payment plan.
4. Legal action, if needed and approved. County Court proceedings through our legal partner, followed by enforcement. Judgments of £600 or more can go to High Court Enforcement Officers.

Birmingham and the courts

Most money claims in England and Wales are issued centrally by HMCTS, wherever the debtor is based. Defended claims move to a County Court hearing centre. Birmingham is also one of seven regional centres of the Business and Property Courts, which handle larger commercial disputes outside London.

What to send us

• Invoices, delivery notes or signed completion records
• Your terms of business, contract or purchase order
• The debtor's full company name and number
• Correspondence, including any complaints or payment promises

Frequently asked questions

Will chasing the debt damage the customer relationship? We're professional at every stage and agree the tone with you first. We escalate only as far as you want us to.

Can you recover debts from outside the West Midlands? Yes. We cover England, Wales and Scotland, and international debts through partners.

What if the debtor disputes the invoice? We review the dispute on the evidence and advise honestly on whether it's worth pursuing.

Related: Commercial Debt Recovery · No Collection, No Fee · Credit Control · CCJ Enforcement · Areas We Serve

Request a free debt assessment or call 01527 369593.