Commercial Debt Recovery Edinburgh

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Recovia helps Edinburgh businesses recover unpaid invoices, professional fees and higher-value commercial debts, and helps creditors across the UK recover money owed by Edinburgh firms. Every Scottish case runs under Scottish procedure. No-win, no-fee recovery is available on suitable cases.

Professional fees and higher-value claims

Many Edinburgh debts come from professional and financial services: consultancy, advisory and project fees, often for larger sums. These claims turn on the engagement terms, what was delivered and what the client accepted at the time. We build the case from that evidence before any demand goes out.

For higher-value or complex claims, the Managing Director is involved from the outset.

How a Scottish recovery works

1. Assessment. We review the contract and correspondence, and check the debtor's status, filings and insolvency position.
2. Formal demand and negotiation. Following Scottish procedure, aimed at payment in full or a written agreement you approve.
3. Court action, if you approve. Simple Procedure in the sheriff court for claims under £5,000, or Ordinary Cause for larger claims. Scotland's supreme civil court, the Court of Session, sits in Edinburgh and can hear substantial commercial disputes.
4. Enforcement (diligence). After decree, a sheriff officer normally serves a charge for payment, usually giving 14 days. Then come earnings arrestment, bank arrestment or attachment, whichever the debtor's position supports.

When a solvent company won't pay

Some debtors can pay but choose not to. For an undisputed debt, a statutory demand gives a company 21 days to pay. Where a company owes more than £750 and can't or won't pay, a winding-up petition may follow. These are serious steps. We only recommend them where the evidence supports them, and only with your written approval.

Cross-border debts

Owed money by an Edinburgh company but based in England? Or an Edinburgh business chasing a customer in London? One instruction covers both. An English judgment can be enforced in Scotland: you get a certificate from the English court and register it in the Court of Session within six months.

Frequently asked questions

Is Scottish debt recovery slower? Not necessarily. It's different. Delays usually come from using the wrong procedure, which we avoid.

Are time limits different in Scotland? Yes. Scotland has its own rules (prescription), which can be shorter than in England. We check at assessment.

Related: Debt Recovery in Scotland · Commercial Debt Recovery Glasgow · High-Value Debt Recovery · Statutory Demands & Winding-Up · Areas We Serve

Request a free debt assessment or call 01527 369593.