• How much does Recovia charge? — It depends on the case. We usually work on a no-win, no-fee basis, with nothing upfront and a success fee agreed in writing before we start. Where a case needs a different arrangement, we explain the options and costs first. Where the law allows, statutory interest, fixed compensation and reasonable recovery costs are added to the debtor’s balance, which can offset some or all of our fee.
• How long does recovery take? — Most standard commercial debts resolve within 4–12 weeks. Disputed or high-value claims can take longer, particularly if court action is needed. You receive regular updates throughout, so you always know where the case stands.
• Will you damage my relationship with the debtor? — Our default approach is firm but professional — many debtors are our clients’ ongoing customers, and we collect accordingly. If the relationship no longer matters to you, tell us and we escalate harder, faster.
• Can you recover from individuals as well as companies? — Yes. We specialise in commercial debt but also act on debts owed by individuals and sole traders where the debt is legitimate and documented.
• Do you cover Scotland? — Yes — and properly. Scottish cases run under Scottish procedure (Simple Procedure or Ordinary Cause) from the first letter. See our Debt Recovery in Scotland page.
• What do you need from me to start? — Your details, the debtor’s details, the amount, and copies of the invoice, contract and any chasing correspondence. One signed Letter of Authority then covers every case you ever send us.
• What if the debtor refuses to pay? — We escalate: legal proceedings through our legal partner, judgment, then enforcement — High Court Enforcement Officers, charging orders, attachment of earnings, or insolvency action for debtors who can pay but won’t. Every escalation needs your written authorisation and carries written cost advice first.
• What if the debtor genuinely can’t pay? — Our due diligence usually identifies this before money is spent. Where a debtor is insolvent, we help you claim in the insolvency and secure any VAT bad debt relief available, so the loss is handled properly rather than left open.
• How do I track my case? — You receive scheduled email updates on every active case, and a live status is always available by phone. A secure client portal is in development.
• Do you work with councils and NHS bodies? — Yes — with an ethical collections model built for public scrutiny: a vulnerability policy, full audit trails, and no-win-no-fee or fixed-fee structures. See our Public Sector page.
• What should I do first? — Don’t ignore it. Check the reference and the breakdown, then pay, contact us about a payment plan, or raise a dispute in writing — our Received a Letter From Us? page explains each route.
• Can I set up a payment plan? — Often, yes. Contact us before your deadline passes — a realistic plan you keep to stops further escalation.
• I dispute this debt — what happens? — Send us your reasons and evidence in writing. Substantiated disputes are referred to our client and collection on the disputed amount is paused while it is reviewed.
• Is my information secure? — Yes. Recovia is ICO registered (ZC115879) and fully compliant with UK GDPR. Data is used solely for the purpose of debt recovery.