Commercial Debt Recovery London

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Recovia Ltd is a UK commercial debt recovery agency with its registered office in London. We help London businesses recover unpaid invoices, overdue accounts and contractual debts from debtors in London, across the UK and overseas. No-win, no-fee recovery is available on suitable cases.

Why London invoices go unpaid

Late payment in London rarely comes from one cause. Common patterns include:

• Long supply chains. You're paid only when the customer above you is paid.
• Larger customers stretching terms. Invoices sit in approval queues well past the agreed date.
• Scope disputes. Work is delivered, but the customer questions what was agreed.
• Debtors who have moved or restructured. The trading address or company on file is out of date.

Each needs a different response. That's why we assess every case before contacting the debtor.

How we recover London debts

1. Assessment. We review the invoice, the contract and correspondence, then check the debtor's credit, insolvency status and Companies House filings.
2. Formal demand. Letters, calls, email and SMS to decision-makers, adding statutory interest and compensation under the Late Payment Act where it applies.
3. Negotiation. Payment in full or a documented repayment plan, which you approve.
4. Escalation, only if you agree. County Court proceedings through our legal partner, then enforcement.

Court and enforcement in England

Most money claims in England and Wales are now issued and processed centrally by HMCTS's Civil National Business Centre, wherever the debtor is based. If a claim is defended, it moves to a County Court hearing centre. For larger or complex disputes, the Business and Property Courts sit in London.

Once you hold a judgment, the options include a warrant or writ of control, an attachment of earnings order, a third-party debt order or a charging order. Judgments of £600 or more can be enforced by High Court Enforcement Officers. We recommend whichever route the debtor's assets support.

Debtors outside London

Your London business may be owed money by a company in Manchester, Glasgow or abroad. One instruction covers it. We route each case through the correct procedure: English, Welsh, Scottish or international.

What to send us

• The invoice(s) and any contract, purchase order or terms of business
• Proof of delivery or completed work
• The debtor's full company name, number and address
• Emails or letters about the debt, including any promises to pay or disputes

Frequently asked questions

Do you need to meet us in person? No. Instructions, documents and updates are handled by phone, email and online.

How quickly do you start? Once you approve the plan, we contact the debtor promptly.

Can you enforce a judgment we already hold? Yes. Enforcement-only instructions are welcome.

Related: Commercial Debt Recovery · No Win No Fee · CCJ Enforcement · High Court Enforcement · Areas We Serve

Request a free debt assessment or call 01527 369593.