We don’t use scripts or bulk-mailing software. Each case is assessed individually and pursued through the combination of channels most likely to produce payment from that particular debtor: formal letters, phone calls, email, SMS and WhatsApp, and field agents for persistent non-responders.
For B2B debts, statutory interest and fixed compensation under the Late Payment of Commercial Debts (Interest) Act 1998 can usually be added to what you’re owed.
Around 85% of our cases resolve before this stage. For the rest, we pursue County Court Judgments through our legal partner, an established firm of solicitors — with full transparency and no action taken without your written authorisation.
For County Court judgments of £600 or more, we transfer enforcement to the High Court and instruct High Court Enforcement Officers (HCEOs) directly — bypassing the slower County Court bailiff route.
Some debtors ignore demand letters and even judgments, not because they can’t pay, but because they’ve calculated that you won’t escalate. A statutory demand or winding-up petition changes that calculation. These tools are only for undisputed debts, and we use them carefully and only with your approval.
Most bad debt is visible weeks before it becomes a problem — in slipping payment dates, part-payments and unanswered statements. Our credit control service watches for those signals across your ledger and acts on them early, so fewer accounts ever need recovery at all.
When a debtor changes address, stops answering or deliberately evades contact, most creditors give up. That is usually exactly what the debtor is counting on. Our tracing service locates individuals and businesses quickly and accurately, so the recovery process restarts instead of stalling.
Recovering money across jurisdictions means different legal systems, languages, limitation periods and enforcement rules. Handled badly, an international debt simply dies of complexity. We manage that complexity for you — you deal with one UK team, and we coordinate the rest.
Large debts are rarely just bigger versions of small ones. They tend to involve disputed invoices, multiple entities, personal guarantees, cross-border elements or debtors sophisticated enough to run a deliberate delay strategy. They need a case team, not a workflow.
Cases are run by our most experienced collectors, with legal specialists engaged from the outset.
We act for landlords, letting agents, property managers and housing providers on residential and commercial property debt — from first arrears letter through to enforcement of possession orders and money judgments.
Since the Renters’ Rights Act came into force on 1 May 2026, Section 21 no-fault notices can no longer be served. Possession now runs through the revised Section 8 grounds, which require evidence — including the rent arrears grounds. That makes disciplined arrears management more important than ever: clean records, correctly served notices and a documented recovery trail are now the difference between regaining a property and starting again.
We recover the arrears themselves, keep the evidential record a Section 8 claim needs, and coordinate possession proceedings through our legal partner where instructed.
• Unpaid commercial rent and service charges
• Dilapidations and end-of-lease costs
• Enforcement of existing court orders, judgments and arbitration awards relating to property
For housing associations, local authorities and letting agents, we operate as an extension of your team — handling everything from first contact to legal escalation under your policies, with full audit trails and a vulnerability-aware approach on residential accounts.
Managing arrears across a portfolio? Ask about a standing arrangement.
The worst outcome in debt recovery isn’t failing to recover — it’s spending good money on court fees chasing a debtor who was never going to be able to pay. Before we recommend any legal action, every case goes through a due diligence process designed to answer one question: if we win, can we collect?
• Existing CCJs registered against the debtor — the clearest indicator of payment behaviour
• Insolvency status: winding-up petitions, administration, CVAs and bankruptcy searches
• Payment history and defaults across the debtor’s financial profile
• Director checks: disqualifications, historical directorships and associated dissolved companies
• Company filing status at Companies House — active, dormant or dissolved, and what the accounts show
• Land Registry searches confirming property ownership — key for charging orders after judgment
• Business asset tracing: vehicles, plant, equipment and goods available for enforcement
• Current registered and trading addresses where the file information is stale
The result: legal action is only ever recommended where the data supports a realistic prospect of recovery. If it doesn’t, we tell you plainly — and where insolvency is the reality, we help you claim in the insolvency and secure any VAT bad debt relief available, so even a bad outcome is handled properly.
Not sure whether a debt is worth pursuing? The assessment is free.
Scotland is a separate legal jurisdiction. English pre-action protocols do not apply, court procedures are different, and the enforcement toolkit has its own names and rules. A demand letter written for an English debtor and posted to Glasgow signals one thing to a well-advised Scottish debtor: this creditor doesn’t know what they’re doing. We do — Recovia runs Scottish cases under Scottish procedure from the first letter.
When a debtor has gone quiet, moved assets, changed trading names or hidden behind connected companies, the usual checks do not always tell the full story. Our Investigative Intelligence service looks beyond the file information—building a clearer picture of the debtor’s current circumstances, business activity, associated parties and potential assets.