No Win No Fee Commercial Debt Recovery

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Recovia offers no-win, no-fee commercial debt recovery on suitable cases. If we don't recover money for you, you don't pay us a collection fee. Every case is assessed first, and you approve our recommended approach and terms before we contact your debtor.

How it works

1. Send us the details. The invoice or contract, the amount owed, the debtor's details and any correspondence.
2. Free assessment. We check the debt, the evidence 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. We recover. Formal letters, calls, email, SMS and negotiation with decision-makers, aimed at payment in full or a formal repayment plan.
5. You get paid. Where possible, the debtor pays your account directly, and we invoice our success fee afterwards.

What no win, no fee covers

It covers our pre-legal collection work. Our success fee is agreed with you in writing before we start. You pay nothing for this stage unless money is recovered.

What it does not cover

Court fees, our legal partner's costs, High Court Enforcement and insolvency action sit outside no win, no fee. We only take those steps with your written approval, and we tell you the costs before anything is spent. Some of these costs, such as court fees and fixed costs, may be recoverable from the debtor as part of proceedings, depending on the circumstances.

Which cases are suitable

• Business-to-business debts that are not genuinely disputed
• Debts backed by an invoice, contract or other clear evidence
• Debtors who are still trading or have assets worth pursuing
• Debts within the legal time limit: usually six years from when payment was due in England and Wales (Scotland has its own time limits, which can be shorter)

If a case isn't suitable for no win, no fee, we'll tell you why and set out any other options.

Interest and compensation you can add

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. You can also claim fixed compensation of £40, £70 or £100 per invoice, depending on its size, plus reasonable recovery costs. We add these from the first demand.

Frequently asked questions

Is there an upfront fee? Not for pre-legal recovery on a no win, no fee case.

What if nothing is recovered? You pay no collection fee. Any legal costs you approved in advance are separate, and we agree them with you before they're incurred.

Can you take a debt another agency has already chased? Yes. Tell us what's been tried, and we'll assess it on its merits.

Do you cover Scotland? Yes. Scottish cases run under Scottish procedure from the first letter.

Related: Commercial Debt Recovery · Credit Control · CCJ Enforcement · Our Process

Request a free debt assessment or call 01527 369593.