Your Questions Answered

The process typically begins with us issuing our standard letter before action and engaging in negotiations on your behalf. If the debt remains unpaid, we may pursue legal action through the small claims court. Once we are in receipt of a county court judgment, we shall offer our advice as to how best to enforce this and seek your further instructions in this regard.

Our legal action includes filing a monetary claim and further to obtaining a CCJ, offer a range of ways in which to enforce this including; instructing High Court Enforcement Officers, obtaining payment from the mortgagee and serving a Section 146 Notice.

Timeframes can vary substantially based on the debt amount, the debtor’s response, and whether legal action is required. Some cases may be resolved within weeks, while more complex matters could take several months.

Each stage of our action attracts a standard fee which will be recharged to the debtor and collected from them directly. Where we are unable to do so, the costs payable will be as per the terms of business that we will agree at the time of instruction.

We maintain stringent compliance with all relevant debt recovery regulations, including the Data Protection Act, Consumer Credit Act, Pre-Action Protocol for Debt Claims, and industry codes of practice from bodies like the Credit Services Association.

Yes, our services cover debt recovery cases across the United Kingdom, supported by our nationwide network.

Not only do we have experience, we specialise in the property sector, with extensive experience recovering service charge arrears, ground rents, and other property-related debts, navigating the unique complexities involved.

To initiate the process, we typically require details such as the debtor’s information, the outstanding debt amount, copies of invoices/contracts, records of communication, and any relevant supporting documentation.

You have received a letter from us because a business has instructed us to pursue an outstanding debt owed to them, or their client, by you. We are a professional debt recovery firm acting on their behalf.

If you do not pay the debt, we may escalate our efforts, which could include legal action such as county court judgments, charging orders, or asset seizures to recover the outstanding amount.

Yes, we can often arrange reasonable payment plans to allow you to pay the debt in affordable instalments over a set period of time.

Potential legal actions we may take include filing money claims, obtaining county court judgments, or instructing High Court Enforcement Officers.

If you believe the debt is incorrect or has already been paid, please refer to the contact details on the letter to discuss this with a member of our team.

Additional fees and interest may be applied to the outstanding debt in accordance with the original agreement or as permitted by law. We will clearly outline any applicable charges.

We follow strict data protection protocols and industry best practices to ensure your personal information is handled securely and confidentially throughout the debt recovery process.

If you are experiencing genuine financial hardship, please contact us to discuss your situation. We may be able to arrange affordable repayment plans or explore alternative solutions.

While you can try communicating with the creditor directly, the likelihood is that they will not discuss the matter with you since they have assigned your debt to us for recovery, and we are the authorised representatives handling the matter on their behalf.