Debt Recovery.
Made Simple.

Debta’s professional debt recovery team confidently provides bespoke solutions for our clients, no matter how big or small. That’s just one reason why we’re regarded as one of the top debt collection and credit management companies in the UK.

Find out more

Debt Collection.
Made Simple.

Debta’s professional debt recovery team confidently provides bespoke solutions for our clients, no matter how big or small. That’s just one reason why we’re regarded as one of the top debt collection and credit management companies in the UK.

It’s Free

Our debt recovery and collection services are supplied completely free of charge to the creditor.

It’s Easy

All we need to get started is a completed instruction form and a copy of the unpaid invoices.

It Works

Our experience, persistence and professionalism produces a leading success rate of 84%.

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Debt Recovery Process

We will answer any questions you may have and explain that the services we supply along with any pre-legal expenses are at no cost. You will not be asked to pay any subscription fees or upfront costs, only when we have successfully recovered a debt will we receive payment.

Once you have decided to proceed we will ask you for details regarding the extent and nature of the debt, copies of relevant invoices, statements and delivery notes and details of any earlier action taken to try and recover the debt. We will then generate a case reference number and open a dedicated file. We will also provide you with our terms and conditions of business and an engagement letter.

Following the opening of a case file we will carry out initial investigations examining the debtor’s financial position, current trading status and property ownership.

On the same day you instruct us we will send the debtor an initial letter of demand requesting payment of the outstanding debt within 7 days. The initial letter of demand will be specific to the circumstances of the debt and details the amount owed plus late payment interest and compensation. In most straight forward cases the interest and compensation will cover our costs and fee to this point. In cases where investigations have been complex and time consuming recovery costs will also be added.

Our telephone contact process is just one of the disciplines that set us apart from traditional debt collection agencies and solicitor practices.

A final demand letter gives the debtor a further 7 days notice of legal action and explains the consequences of a statutory demand or court judgment against them.

Visiting a debtor at their premises allows us a final opportunity to explain the consequences of a court judgment against them and often leads to immediate payment. Our engagement team are fully qualified and trained to act with an ethical approach to debtors and the circumstances of the debt.

We will contact you prior to commencing legal action with full details of the costs involved. Formal legal action can be commenced either by way of insolvency action or by way of court proceedings. The most appropriate course of legal action will be based on the debtor information we have compiled.

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Late Payment Legislation

Late and non-payment of commercial invoices is one of the most common reasons for the failure of small and medium enterprises. YouGov research shows that around 85% of UK businesses are affected by customers who pay late or avoid payment, while the amount of business to business late debt has reached a record £39.4 billion.

Late payment of invoices places a strain on cash flow, tying up working capital and restricting business growth. There is also a high risk that late payment will become bad debt and affect profitability. Despite the impact late and non-payment can have on a business, dealing with the situation remains a difficult challenge for most businesses.

The UK was one of the first countries in the EU to recognise that the problems associated with commercial late payment and bad debt were having a negative impact on the whole economy as more and more businesses were forced to close and more people became unemployed. The Government first introduced legislation to help combat the problem in 1998 when The Late Payment of Commercial Debts Act came in to force.

For the first time this legislation allowed businesses a statutory right to charge each other interest on the late payment of commercial debt. The Government and EU have continued in their efforts to promote a culture of prompt payment and have amended the legislation several times since 1998 including a provision that allows businesses to claim fixed amounts of compensation from the debtor. The most significant amendment came in 2013 when a provision was introduced to allow the recovery costs of a third party, such as Advocate to be claimed from the debtor.

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Frequently Asked Questions

We will answer any questions you may have and explain that the services we supply along with any pre-legal expenses are at no cost. You will not be asked to pay any subscription fees or upfront costs, only when we have successfully recovered a debt will we receive payment.

Once you have decided to proceed we will ask you for details regarding the extent and nature of the debt, copies of relevant invoices, statements and delivery notes and details of any earlier action taken to try and recover the debt. We will then generate a case reference number and open a dedicated file. We will also provide you with our terms and conditions of business and an engagement letter.

Following the opening of a case file we will carry out initial investigations examining the debtor’s financial position, current trading status and property ownership.

On the same day you instruct us we will send the debtor an initial letter of demand requesting payment of the outstanding debt within 7 days. The initial letter of demand will be specific to the circumstances of the debt and details the amount owed plus late payment interest and compensation. In most straight forward cases the interest and compensation will cover our costs and fee to this point. In cases where investigations have been complex and time consuming recovery costs will also be added.

Our telephone contact process is just one of the disciplines that set us apart from traditional debt collection agencies and solicitor practices.

A final demand letter gives the debtor a further 7 days notice of legal action and explains the consequences of a statutory demand or court judgment against them.

Visiting a debtor at their premises allows us a final opportunity to explain the consequences of a court judgment against them and often leads to immediate payment. Our engagement team are fully qualified and trained to act with an ethical approach to debtors and the circumstances of the debt.

We will contact you prior to commencing legal action with full details of the costs involved. Formal legal action can be commenced either by way of insolvency action or by way of court proceedings. The most appropriate course of legal action will be based on the debtor information we have compiled.

Submit Debt

Contact Us

Write to us:

Debta UK
1 Northumberland Avenue
Trafalgar Square
London
WC2N 5BW

Please note: all calls are recorded for quality and training purposes. Calls to our 0843 phone number costs 7p per minute