uk commercial debt collection tips

UK Commercial Debt Collection Basics

UK commercial debt collection basics and tips for small businesses

UK debt collection is the process of recovering debts in the United Kingdom. There are licensed agencies called DCAs (Debt Collection Agencies)  that collect debts by following different national laws and Acts.

Some facts about debt collection:

●    Debt collection refers to a process where a DCA can attempt to recover a past-due debt from a second-party called debtor (“consumer” or “business”) on behalf of the first-party called the original creditor or lender.

●    Debt collection agencies are permitted to implement different legal and ethical debt collection methods. They can collect debts and contact debtors either only within the UK territories or outside the nation.

●    The Financial Conduct Authority (FCA) is a financial regulatory body in the United Kingdom which regulates the financial services industry including debt collection services. FCA protects consumers, promotes healthy competition between financial service providers, and keeps the industry stable.

Here we will discuss the commercial debt collection for small businesses and the strategies that can be implemented to recover debts.

Commercial UK debt collection

Commercial debt collection is the method of collecting business debts from debtor companies. UK debt collection agencies recover business debts from the debtor company on behalf of the creditor company. Under the United Kingdom regulations and laws, commercial or business debt collection recovers commercial loans from a debtor company. Those laws may include the Late Payment of Commercial Debt Regulations, the EU regulation for Late Payment in Commercial Transactions, the Late Payment of Commercial Debts (Interest) Act, etc.

Late payments can be a lethal issue for small businesses, reducing the ability to continue the business. As per the research from GoCardless, 2 out of 5 SME businesses encounter critical cash flow issues due to late payments. When companies try to settle the invoice and fail, they might need to start the debt collection process.

Businesses have two primary forms of professional debt collection:

●    Solicitors

●    Debt collection agencies (DCA)

Practically, if businesses hire a solicitor, it is likely to be the most cost-effective choice. Businesses can send a debt collection letter, written on a legal letterhead from a reputed law firm, to the debtor SME for collecting the payment.

However, if that option doesn’t work as expected, businesses may hire a debt collection company to deal with the matter. A debt collection service can be effective in recovering debts or settling a late invoice. But often, it is an expensive option. Before hiring a debt collection agency, the creditor should know that it may cause permanent damage to the relationship between the creditor and the debtor company. Apart from that, a business may suffer from a bad reputation caused by the harsh and unlawful debt collection tactics that DCA can use.

Debt collection costs

The DCA may charge a business a fixed amount apart from the debts as the cost of recovering a late commercial payment. The amount of compensation that DCA is allowed to claim will depend on the outstanding amount of debt as follows:

Total debt amountCost of recovering a late commercial payment
Up to £999.99£40
£1,000 to £9,999.99£70
£10,000 or more£100

*Data courtesy – gov.uk
The business can only be charged once for each payment.

Business debt collection rules for debt collection agencies (DCA)

Unfortunately, no such regulatory body is present to regulate business debt collection laws in the UK for DCAs, like the US consumers have the Commercial Collection Agency Association (CCAA), under the Commercial Law League of America (CLLA). But the Financial Conduct Authority (FCA) also implemented few rules regarding business debt collection in the UK.

●    A creditor can’t hire more than one debt collection agency at a time.

●    A debt collector should contact the debtor by phone, email, letter, or visiting directly. However, a debt collector must inform the debtor initially about his identity and the purpose of contacting him.

●    The debt collector can’t use abusive language or threats to confuse the debtor.

●    A debt will be ‘statute barred’ if the creditor does not contact the debtor for six years and does not take any action on the account.

●    The debtor still owes the debt, but the creditor can’t take any legal action to get the money back. The creditor or debt collector can’t manipulate the debtor and tell him/her that they can still recover the debt legally.

●    The debt collector can’t force the debtor to pay the debt if he/she refuses to pay the money. It will be considered harassment under Section 40(1) of the Administration of Justice Act 1970.

●    If a debtor disputes the debt, the collection agent can’t continue with recovery proceedings. The collection agent must provide all the details of outstanding debt to the debtor. The creditor or the debt collector must prove that the debtor still owes the debt.

Debt collection strategies to implement for small businesses

Confirm the orders

●    After receiving an order, small businesses should confirm the order in writing.

●    Use emails to confirm the order placed.

●    Add the cost and reference numbers.

Prepare proper invoices

●    Add all details of the transaction, including the goods or services provided.

●    Mention the correct date and other particulars.

●    Add expected payment dates and terms.

Prepare monthly statements

●    Prepare a monthly statement for each debtor (regular or repeat customers).

●    Keep clients informed of payment due dates.

Send a reminder

●    SME owners should follow up on an invoice regularly.

●    They can use some accounting software that can automatically send a reminder to debtors.

●    They can use emails or postal mails to let the customer/debtor know about the outstanding debt.

Call the debtor

●    Call the customer/debtor if the terms are violated, and the debtor does not respond to the reminder.

●    Stay calm and don’t lose your temper while communicating with the debtor.

●    Try to understand the situation better by discussing the matter openly.

●    Ask the debtor to discuss alternate payment options.

●    Accept an agreed repayment schedule if possible.

Hire a professional debt collection agency

●    Review online testimonials and client feedback before choosing a debt collection agency

●    Please read all the terms before signing a contract with them.

Author Bio: Lyle David Solomon is a licensed attorney in California. He has been affiliated with the law firms in California, Nevada, and Arizona since 1991. As the principal attorney of Oak View Law Group, he gives advice and writes articles to help people solve their debt problems. You can connect with him on twitter

fair debt practices

What You Need To Know About Fair Debt Practices

fair debt practices

Fair Debt Practices

This page will contain information about fair debt practices in the USA, United Kingdom and other countries. In addition we will add our own opinion about fair debt practises we have garnered in over 40 years of debt collection. The information might be anecdotal, the law or unusual.

The information about fair debt practices is for debtors, lenders, debt collectors, debt collection attorneys, and debt collection agencies. Use our menu to jump to specific section as this article is quite lengthy.

Defend Yourself with the Fair Debt Collection Act

In 1977, the United States’ congress passed the Fair Debt Collection Practices Act. Commonly referred to as the Fair Debt Collection Act, this law was drafted in order to provide guidelines, procedures and limitations to regulate the activities that are done in debt collection processes. Because of the Fair Debt Collection Act, debt collectors have refrained from using threats, lies or insults to harass and intimidate debtors.

In order to understand this act, you must first have an understanding of what a debt collector is. According to the Fair Debt Collection Act, a debt collector is someone who

“uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another”.

US Government

To put it simply, a debt collector is someone who collects payments that debtors owe to another company. For example, you have a delinquent account with a credit card company. Once the credit company feels that too much resource is required to pursue you to make payments, it will hire a debt collector to pursue the payments for them.

Now that you understand what a debt collector is, you must also know what the debt collector’s job entails. The Fair Debt Collection Act details the information that your debt collector must give you. Remember, for the debt collection activity to be legitimate, you should first be supplied with documents that will help you understand the situation you are in.

Once the debt collector has contacted you, he has five days to provide you with the following:

1) The exact figures regarding that debt that you supposedly owe.
2) Information about the creditor that you owe the debt to.
3) The debt collector must tell you that you have a maximum of 30 days to raise your doubts or disagreements regarding the nature and specifics of the debt. If you do not dispute the debt, the collector assumes that the debt is valid and binding.
4) In case you claim that you have no debt, the debt collector must immediately send you documents and other certificates that will verify the debt.
5) Under the Fair Debt Collection Act, the debt collector should inform you that if you have switched creditors, you are allowed to ask for information regarding your original creditor.

As you can see, the Fair Debt Collection Act mandates that the debtor be given adequate details as well as ample time to evaluate them and raise whatever concerns he may have. If for some reason, the debt collector becomes aggressive and abusive, the Fair Debt Collection Act also gives the debtor the right to sue the debt collector.

However, the debtor must remember that the Fair Debt Collection Act of 1977 does not erase debts. It isn’t a get-out-of-debt ticket. It simply ensures that debt collectors will be able to do their work and solicit payments without violating the rights of the debtors.

What Fair Debt Practices Means to You?

So, you may have missed some payments on your mortgage. Or, you may have failed to respond to calls from your creditor. Despite the fact that you may have failed to keep your end of the contract, you still have the right to be treated fairly during the process of debt collection.

Fair debt collection involves the use of proper tools to evaluate your situation. It also gives you ample time to respond to the notification of the debt collector. In order to ensure that debt collection is carried out fairly, the congress passed the Fair Debt Collection Practices Act or FDCPA.

The FDCPA ensures that there are guidelines that will protect you when you communicate with a debt collector to settle your accounts. The act states that the debt collector cannot intimidate you with false threats. He cannot scare you into thinking that you will go to jail if you fail to make payments on time. He cannot insult your race or make any negative references to your gender. He is also not allowed to talk to you using obscene and profane language.

Fair debt collection also protects your privacy. This means that debt collectors are not allowed to tell other people about your debt. They cannot put you in a place of public shame and humiliation in order to pressure you into paying. If the debt collection process is to be fair, then it is only right that you and your debt problems remain private and personal. More importantly, fair debt collection gives you the right to sue your debt collector if you feel that he is being abusive, aggressive or dishonest.

Fair debt collection means that even though you have failed to make some payments, the debt collection agency will still respect you and value you as a client. This means that you are given the opportunity to approach your debt collector and request for a change of payment scheme. Once you show that you intend to pay, you are allowed to renegotiate the structure of your debt. You and your debt collector will come up with a payment scheme that you can afford. This is what fair debt collection is about; it gives you a legal environment in which you can come up with an effective way to settle your debt.

So, if you have debts, do not panic. The United States of America has put in the necessary legal safeguards that will allow you to coordinate with debt collectors without fear of harassment or abuse. You won’t be arbitrarily driven out of your home or anything like that. The FDCDPA ensures that there is a fair debt collection process that will respect your rights as an individual and a customer. In the end, fair debt collection should help reduce the stress and anxiety that are brought about by the entire process of settling a debt.

Fair Debt Collection Practices: What to Expect from your Debt Collector?

The best way to protect yourself from harassment is to know the exact job description of your debt collector. If you know the things that his job entitles him to do, you can keep better track of his behavior and take action when he violates your rights. To know the debt collector’s job description, you need to have a thorough understanding of the 1977 Fair Debt Collection Practices Act. This act literally outlines the Fair Debt Collection Practices. It tells you the practices that are acceptable for debt collectors. It also informs you of practices that are unacceptable under the eyes of the law.

So, according to the Fair Debt Practices, what are the debt collector’s responsibilities towards you?

Basically, the debt collector owes you information. If the debt collector is trying to get you to pay up, it is only right that you are fully informed of the circumstances surrounding your debt. This means that within five days of initial contact, the debt collector must send you a written document that contains information such as the amount of debt you owe and the company or institution you owe it to. The document should also let you know the steps to take in the event that you believe you do not have that debt and you should not be held responsible for it.

If you file a letter to dispute the debt, the debt collector will stop contacting you until he comes up with evidence that proves that you truly owe that money. As part of the Fair Debt Practices, the debt collector must send you a receipt to prove that he has received your complaint. Also, the debt collector has to mail any evidence that proves that you are responsible for the debt.

Fair Debt Collection Practices are aimed at protecting the debtor’s privacy. As such, if you wish to put a stop to the debt collector’s calls and visits, you must write a letter to indicate your intention. Once the debt collector confirms receipt of your letter, you can expect him to stop contacting you.

Aside from these things, the Fair Debt Collection Practices also forbid your debt collector to do the following:

1) Contact you via phone or make personal visits outside of the time period between 8:00 am and 9:00 pm.
2) Approach your family and friends in an effort to locate you.
3) Come to your workplace for the purpose of contacting you, verifying your employment or acquiring information regarding your salary.

Fair Debt Practices are exactly that – fair. It means that while you have individual rights, the law also provides guidelines to ensure that the debt collector can do his job well.

Fair Debt Practices Act: Dealing with Abusive Debt Collectors

In an effort to make you pay, some debt collectors may resort to unethical means. They may falsely threaten you with law suits or repossessions. They may call you incessantly or use derogatory language that will embarrass and humiliate you. However, these things don’t have to happen. The United States actually has a Fair Debt Collection Practices Act that protects individuals from the abusive behavior of debt collectors.

In the first place, why do debt collectors find it easy to violate the Fair Debt Collection Practice Act? Actually, the answer is quite simple. Debt collectors take advantage of people’s ignorance. If you don’t know the law and you’re not familiar with the provisions of the Fair Debt Collection Act, you won’t know what rights you have against these debt collectors. If the debtor is ignorant, the debt collector can manipulate him easily. Without the necessary information, debtors will not know how to fight back against debt collectors who harass him.

Another reason is that while abusive behavior is common, it may be hard to prove. Oftentimes, debtors have difficulty providing evidence that clearly shows that the debt collectors went beyond their limitations and violated the Fair Debt Collection Practices Act. In order to help your cause, it is advisable that you keep copies of every single document that you and your debt collector exchanged.

Lastly, the Fair Debt Collection Practice Act has several loopholes. So, if the debt collector makes some violations, he can simply close his office only to reopen later, under a new name.

Once you are sure that your debt collector violated the Fair Debt Collection Practice Act, here are the steps you should take:

1) Notify the debt collector of the violation you observed. In a formal letter, cite the provision of the Fair Debt Collection Practice Act that was violated. Include details of the event like the date, time, place as well as other circumstances regarding the violation. Make sure you ask for a receipt that proves that the debt collector has indeed received your complaint.
2) If you find it necessary, you can mail another letter to ask the debt collector to stop calling or visiting you.
3) File a formal complaint at the Federal Trade Commission or the FTC. The FTC is the body that is responsible for regulating the activities of debt collection agencies. Filing a complaint is easy, just log on to www.ftc.gov and you can accomplish an online form.
4) Go to your State Attorney General and report your debt collector’s abusive behavior. The Secretary General will have the case processed and investigated.
If you have enough evidence, approach your lawyer and consider filing a lawsuit against that collection agency.

Remember, the Fair Debt Collection Practice Act is there to support you. However, it is only useful when you have enough knowledge about it.

The Debt Collection Law: What You Need to Know if You are in Debt?

Under the Fair Debt Collection Practices Act (FDCPA), you are protected from the abusive actions of a debt collector. No matter how much the creditor wants his money back, he needs to follow the guidelines of this debt collection law. This law has special implications for you, your workplace and even your medical care.

The Debt Collection Law and Your Workplace

The debt collection law, specifically the FDCPA, specifies that a debt collector may contact your office only to inquire about your location, your home address as well as your contact information. This form of contact can only be done if the debt collector has no other means of locating your current residence.

Meanwhile, the debt collection law also gives the debt collector the right to send papers and documentation to your boss. These documents are files on your debt that are somehow related to your job and your salary. A common example is a court order that asks for details about your salary.

However, the debt collector is not allowed to volunteer any information regarding your debt. The debt collector may only share this information if your boss asks for it, or if he is asking your boss to answer certain paperwork that is related to your debt. While the debt collector may not share the details of your debt, your employer may have other ways of obtaining such information. Usually, records of your debt may appear on your credit rating. Since your employer is allowed to view this information, he may learn about your debt.

The Debt Collection Law and your Health Care

Unpaid medical bills are a huge concern for creditors and their collection agencies. If you fail to settle your medical bills, your healthcare provider may turn over your account to a collection agency. However, the debt collection law and the law concerning medical bills indicate that you must first agree to such a transaction before a collection agency takes over your account. If for some reason you dispute the debt, you may raise your concerns at this point.

Even though a debt collection agency is taking care of your account, your healthcare provider will still protect your privacy. To this extent, the healthcare provider will only release information on your name, address, account number, social security number and your date of birth.

The Debt Collection Law and Identity Theft

The fair debt practices collection law also has provisions for identity theft. If a collection agency contacts you regarding a debt that you have no previous knowledge of, you may be a victim of identity theft. The first thing you should do is ask for documents regarding your debt. Ask for transaction records, letters of agreement, and receipts. If you have verified that the debt is really not yours, ask the debt collector for a fraud affidavit form. Once the form is processed, the debt collector will stop contacting you and the identity thief will be pursued.

If You Are In Doubt About Fair Debt Practices

Report the debt collecter to the lender. Most lenders do not want to risk their lending licence. If it is the lender who is collecting from you, report them to an appropriate body in your country. Each state and country are different – which means we have no definitve list. Ask the lender who you can complain to – they know!

fair debt practices

How To Quickly Find An Expert Catastrophic Injury Lawyer

catastrophic injury lawyer

Catastrophic Injury Lawyer

Before you start to go off hunting for a catastrophic injury lawyer, we need to understand what we are looking for. Or why we believe that what we have is Catastrophic or a personal injury claim.

Personal injury claims are for a myriad of causes. From an injury at work or an accident in public. Generally, all you need to do is prove negligence (partial or wholly) on the other party. Much of this is covered by their insurance.

The average personal injury claim is between $3,000 and $75,000. The injuries will have been claimed many times and have specific values. Any competent personal injury lawyer will have his own experiences to assess your claim.

A claim for a catastrophic injury is another matter altogether. At the end of the article we will show you a quick method of separating the wheat from the chaff. So that you find the best lawyer to suit your needs.

A Summary Of Frequently Asked Questions

The fact that these questions are often asked is because there is often not a lot of information on Google. Nor do lawyers and attorneys give out information for free. However, once you know the questions to ask your choice of injury claim lawyer the better the choice you will make.


What is a catastrophic injury lawyer?
Is a legal professional who subject matter is personal injuries of an extreme nature. Lawyers and attorneys in this field of law will have extensive and persuasive negotiation skills. Many will be familiar on how to deal with insurance companies
What is a catastrophic injury?
By its very nature it is of the utmost seriousness. It can involve the loss limbs or damage to the spinal column. catastrophic injury can also include major burns or internal damage.
What are the common causes for catastrophic injuries?
By a long margin, the most common causes needing a catastrophic injury lawyer are, car accidents, medical errors, workplace injuries and defective medical devices.
Do I need a catastrophic injury lawyer?
The short answer is YES. If you have had and accident or believe that you or a loved one have been affected by a medical mistake – you need to contact an attorney or lawyer as soon as possible.
How do I find a specialised catastrophic injury lawyer?
We at resolute collections show you how to find a personal injury lawyer quickly and at no cost. All it takes is 5 minutes on Google maps and a being prepared with a few questions.
How much can I claim for a catastrophic injury?
That is an impossible question to answer accurately. It will involve how the accident happened, who was to blame, how to apportion blame, incapacity involved and how long care will take.  Ongoing medications, nursing care, loss or earnings and diminished life enjoyment. You will need an experienced catastrophic injury lawyer
Is there an organisation for catastrophic injury lawyers?
Yes, there are. In the UK It is the Association of Personal Injury Lawyers. In the United States it is the National Academy of Personal Injury lawyers. In Australia you can visit the Australian Lawyers Alliance. These legal organisations can help you research any personal injury claim lawyer you might consider representing you.
Are there no win no fee catastrophic injury lawyers?
Nearly all law firms will offer some sort of no win no fee. However, their fee could be up to 40% of the claim. Make sure you know what it will be and who pays it.
How long does a catastrophic injury claim last?
This is impossible to state on a website like this; indeed, any website. It will depend on a myriad of facts, assumptions, attitudes, and willingness to negotiate. It will depend if you lawyer can negotiate a settlement or if you go to court. If you go to court who knows how busy they will be. This means your catastrophic injury claim could be 6 months to 6+ years. 
What does a catastrophic injury mean?
The best place for an explanation that will be meaningful to you is to search Wikipedia. Whether you are looking for sports related injuries or major trauma. These pages will give unbiased information nor try to engage a specific personal injury lawyer for you.

Costs For A Personal Injury Lawyer

Considering what you will read in this article any attorney or lawyer may ask for a fee upfront or they may not. It is not public information and something you will need to discuss with your legal team or representative. This is a business for them. They may offer tea and sympathy but what they want is fee income. Sounds scornful: but it is true. All legal firms want fees.

In addition, they will most definitely want a success fee. This could be as much as 40% of the net claim, after all testimony and experts have been compensated.

Notwithstanding this, a catastrophic injury lawyer is essential. Make the right decision and make the best deal you can.  

Why Should I Hire A Catastrophic Injury Lawyer?

The straightforward reason is that you do not have the experience or contacts to do it successfully on your own. A personal injury lawyer is going to know how the system works. They are going to have professional contacts who can make the entire process easier for you. All you have to do is invest a couple of hours finding the best catastrophic injury lawyer to hire for your claim.

What Is The Difference Between An Attorney And A Lawyer?

The additional question is will it affect your decision? The difference is not so great and only really applies to claimants in the USA. Firstly, the proper title for an attorney is an attorney in law. And it all boils down to who can represent you in court. Generally speaking, a lawyer will require an attorney if the claim goes to court. Considering that 99% of all cases are settled out of court there is no need for the additional expense of hiring a personal injury attorney. Simply search for a catastrophic injury lawyer near me. More information on searching later in this article.

Choosing The right Personal Injury Lawyer

We wholeheartedly encourage you to find a Catastrophic injury lawyer you feel comfortable working with. There is no changing relationships midstream. This should be an unbreakable partnership until you gain success or failure. Changing halfway through is not an option to consider.

What Does A Catastrophic Injury Mean?

If you are at the receiving end of a Catastrophic injury, you will no longer be able to work in the medium to long term. Probably the extent of the injury will mean you will never be able to work again.

There will be urgent and long term medical care required. You may require specially adapted means of transportation and long term home care.

Injures can include but are not limited to:

  • Single or multiple amputations
  • Significant brain damage
  • 1st and 2nd degree burns over large areas of your body
  • Major life changing injuries

Legal Definition Of The Term Catastrophic Injury

In legal jargon it does not really exist. It is certainly catastrophic to you but that is not a legal category.  You have a personal injury. The main difference is that this “personal injury” will have significant lifestyle changes, loss of future enjoyment and expensive enduring medical costs.

Use this as a quote: The American Medical Association (AMA) defines a catastrophic injury as a severe injury to the spinal cord, spine, or brain.

How Do Catastrophic Injuries Occur?

They are wide and varied sources of catastrophic injurie. Here are the most common examples:

  • Accidents involving cars, trucks, or trains
  • Medical negligence or catastrophic mistakes
  • Injuries sustained in your workplace or public buildings
  • Major side effects of drugs or malfunctioning medical devices.
  • Injuries suffered in sport or recreation
  • Building site accidents

The Four Most Common Catastrophic Injuries

  1. Severe or traumatic brain injury
  2. Injuries to the spinal cord. There will be 15,000+ cases recorded every year according to the national spinal cord injury statistical center (USA).
  3. Major disfigurement burns
  4. Loss of limb(s)

Aide Memoire

From the very first instant that you know that you are making a catastrophic injury claim for yourself our someone else. Think about some of this:

  1. Do not worry about going to trail with a jury. Rarely does a claim get this far. You are more likely to be with your counsel in front of a sole judge.
  2. You are not the only lawyers dance in town. More than likely they will be working on many cases. Your lawyer will be seldom at your beck and call.
  3. No question is too ridiculous to ask. As they say there are only stupid answers. Ask anything that concerns you. Anything at all.
  4. Your claim will not be an overnight outcome. Batten the hatches down for a tedious journey with a tumultuous finish.
  5. Keep a record of everything. Pictures, phone calls, letters, conversations or medications and treatment. Everything. You never know when it could be the difference of failure to glorious success.
  6. An early offer is a sure sign of disquiet by the third party. Get an injury lawyer and wait. And then wait a little bit more. Let your lawyer review all aspects of the claim. It will be well worth the wait.
  7. You will need expert medical opinion. You stand a better chance of a successful outcome when the best are your side.
  8. Make sure your choice of law firm is carefully considered. Separate the wheat from the chaff. From promises of no fees to instant success.  This is the most important choice you will make. We have tips at the end of the article.
  9.  Always employ the skills and experience of an lawyer or lawyer who has worked on similar cases to yours. You do not want to be their 1st project.
  10. Do not. Really, do not try and do this on your own. You need a qualified lawyer with relevant experience.
  11. Expenses. Keep accurate records of everything that you have spent regarding the injury. Absolutely every receipt. Not only does it record your financial loss it will indicate a need for future income and back up of your claim.
  12. Diary. Keep detailed notes for both your medical team and legal team. Every twinge or headache or “something is not right”. Write it down on paper or use an audio diary. There are apps for audio diaries.
  13. Disclosure. It is absolutely imperative that you inform medical experts, consultants or you legal team about mental or psychological symptoms. This is not a time to be shy or out on a brave face.

Catastrophic Injury Lawyer Associations

You are going to have to find a lawyer who can lead a team of experts. A legal firm with immediate access to experts in the field of the catastrophic injury sustained.

Legal Bodies To become Familiar With.

You will want your intermediate lawyer to fully check your catastrophic injury lawyers’ credentials. A shiny website and an advert on Google is not nearly enough. Research is required. Both with legal associations, courts, and Google.

United Kingdom

  • Forum of insurance lawyers
  • Association of Personal injury lawyers
  • Civil justice Council

USA

  • American Bar association
  • Association of Trial lawyers of America
  • Workers compensation lawyer’s association

How Your Claim Is Assessed

Initially it is quite straightforward. Your chosen catastrophic injury lawyer will review:

  • The Injury suffered.
  • How long will the damage last?

Secondary Considerations Will Be

  • Expert testimony. The cost and availability of experts in the field of the actual cause of the injury and specialists in your recovery plan. The courts will want to understand the diagnosis and the prognosis. This is costly to both parties and time consuming. 
  • Level of opposition. There will no doubt be a vast amount of money at stake. Your opponent will be balancing the cist of time and expert testimony versus reduction in your payment.  Be prepared for years. In exceptional cases a decade or more. Be prepared for a long wait.

What you need is an excellent lawyer.

How to find a catastrophic injury lawyer. Invariably the search will present firms as personal injury lawyers.

Catastrophic Injury Lawyer Near Me.

Generally, Google will find a lawyer near you. However, to get the best results you should use the following method. It is a really good idea to do this at a desktop or lap top and something to make notes. Simply making a normal search on Google is going to return tens of thousands of results for a catastrophic injury lawyer. Take our insider tips to narrow it down to a manageable number.

Finding the best catastrophic injury claim lawyer near me

Total Time To Find Lawyer Near You 5 minutes

Open Google Maps
catastrophic injury lawyer

Find and open Google maps on a laptop or desktop to view the best results

The Location Is Vitally Important
find best catastrophic injury lawyer

You can enter any location that helps your claim. Maybe the head office of the third party. Or near you if you wish to make it easy to visit your lawyer.

Service You Require
do you need a catastrophic injury lawyer

Seems a bit obvious, but it does remove the chaff from the wheat. A general google search gets you tens, possibly hundreds of thousands of results. This will return a few dozen focussed selections

Choice and Research
do you need a choose a great catastrophic injury lawyer

Next step is to choose 3-5 potential legal firms. Then you need to research and call them. Have your list of questions and go through them in order with each claim lawyer.

#resolutecollections #debtcollection #debtcollector #debtrecovery #debt #debtcollectors #debtfree #legaldebtrecovery #corporatedebtrecovery

resolute collections

How To Easily Find The Best Debt Collectors In Scotland

Debt Collectors In Scotland

Debt Collectors In Scotland

You will have no lack of choices looking for debt collectors in Scotland.  If you search Google you will receive 1,340,000 results, 10 adverts and 8 suggestion for other search terms. By using our tips of the trade, you can reduce the results down to a more manageable 20 results and no ads!

If you desire a visual look at debt recovery firms in Scotland, we can show you how to easily do that (at the bottom of page).

The solution we demonstrate to you is fantastic, if you are looking for debt collector near you. Or you are outside Scotland and you need a Scottish debt collector. More importantly you might need a debt recovery agent who is located near your debtor.

Scottish debt collection has some major differences from the rest of the UK. You need to use a Scottish based debt collection agency.

Nearer the debtor is better than nearer you. It means the agent can visit more often – if need be.

debt collectors in Scotland

You will learn how to use Google operators to find exactly what you want. This technique will certainly reduce the results to debt recovery UK companies. Reducing the time it takes you to find a suitable debt collecting company in Scotland.

allintitle: debt collectors scotland
allinurl: debt collectors scotland

All you do is copy and paste either of the above into a google search bar/box. Your results are now reduced to 2,610 and 3,660, respectively. These numbers are dynamic and change form hour to hour. But it is far easier for you to review a few thousand results than several million.

Insider Tips On Searching For Debt Collectors in Scotland

You will find more than a few solutions in the following paragraphs. There will be one particularly suited to you. Each solution becomes more focused and concentrated. You can mix and match the search terms until you find exactly what you are looking for.

These tips of the trade will save you an enormous amount of time and effort. And your money.

However one must keep on mind that the long term life of you chosen DCA could be limited.

Debt Recovery Scotland

You would think that searching debt recovery rather than debt collectors would return similar results. That is an emphatic NO! 8,000,000+ results for this search term.

That is an unbelievable amount of results for you to plough through. If most people were honest, they would be overwhelmed and look at a couple and “get it over with”.

Insider Tip #1

So back to Mr. Google’s operators allinurl and allintitle.

allinurl: debt recovery Scotland
allintitle: debt recovery Scotland

This reduces the ridiculous amount of results into 1,000’s rather than time consuming millions. It allows you to make a better choice; quickly and easily.

Debt Collection Companies Scotland

You are never going to believe what number of results this provides. As the more words there are in a search term, the more results. On this occasion 23,000,000. If you are an international debt collector or lender, this looks like a lost case.

You can use “parentheses” and search “Debt Collection Companies UK” and the numbers are miraculously reduced to 40,000.  

However perhaps even this reduction in search results for a debt collector or a debt collection company in the UK is not good enough for you. You want to know exactly where they are. Or are they good enough for you.

Let us go back to our initial search for debt collectors Scotland.

Debt Collectors in Scotland

We are going to show you one of Google’s most awesome and breathtaking tools. One has to assume though, that any company worth its salt is registered or connected to Google in some shape or form. Not only does this show you the location it includes reviews. Though you can take a review for what it might be worth. However generally their value averages out over time.

We are ready to show you a quick video on how to use Google Maps. This is not edited and is the actual time you will invest. From 50 – 60 seconds.

Map To Success

The Easiest Way to Use Google

How To Find Debt Collectors in Scotland 15 minutes

Google Maps

How To Easily Find The Best Debt Collectors In Scotland

Find and open Google maps.

Enter the town of your debtor

find best catastrophic injury lawyer

Always try to find a debt collector near the debtor

Service you require

do you need a catastrophic injury lawyer

You can search for debt collector or debt lawyer or repossession agent.

Make a choice

do you need a choose a great catastrophic injury lawyer

Make a list of 3 and call them. Have your questions prepared.

You will: Choose from Aberdeen, Glasgow, Edinburgh or even the smallest village.

  1. Open google maps
  2. Change search details to Edinburgh
  3. Type debt collectors into search box
  4. Further investigate Edinburgh:
    1. moving map
    1. increasing/decreasing size with +/- on bottom right hand
  5. click on red markers to research debt collectors

You will clearly see that when we click on the red marker it highlights the company on the left sidebar (or pops up), giving you the address, reviews, and website etc.

None of the debt recovery companies or debt lawyers that we click show, are not be considered a recommendation. It is only for demonstration purposes.

Other Location Based Services

This has nothing to do with debt recovery companies or debt collectors. There are many of you who will realise that using google maps is awesome for discovering any location based service.

After finding the location type in any service that you require.

Are You A Debtor Living in Scotland

If you are a Scottish based debtor living in Scotland, beware of what looks like an advice website. They will inevitably lead to a fee charging website. You can visit Stepchange or CAB for free advice. These should be your first port of call.

Are Debt Collectors Legal In Scotland

Debt collection agents in Scotland are legal. However, what they can do is limited. Notwithstanding that they may say stuff that worries you. They can ASK but RARELY demand action. They are allowed to contact you at a reasonable time without embarrassing you.

Agents representing themsleves for debt collection in Scotland should not be confused by Sheriff officers. Debt collection agents will request payment whereas sheriff officers can take your belongings. Seek advice before a sheriff appears.  

Comments and Suggestions

You have read and seen our ideas. If you have any suggestions about debt collectors in Scotland or debt recovery agents in the Scotland – everyone would like to hear them. Recommendations or otherwise.

#resolutecollections #debtcollection #debtcollector #debtrecovery #debt #debtcollectors

dealing with moorcroft debt recovery

How To Deal With Moorcroft Debt Recovery | Legally

moorcroft debt recovery

Moorcroft Debt Recovery

This article is not exclusively about Moorcroft Debt Recovery and the Moorcroft Group. Nor is it a legal loophole to get you out of debt. Nor is it, to persuade lenders to use Moorcroft debt recovery or any of its debt solutions competitors.

What we will explain is information that is not widely distributed. Everyone talks about the law. We will talk about our inside knowledge of how debt collection companies work.

We have no axe to grind as this article will cover us, you, lenders, debt collectors and the law. In that order.

There are 100’s and 1,000’s of debt recovery companies in the UK, USA, and Australia. They all basically follow the same path. A bit like follow the money.

Firstly: Information About Us

What gives us the right to talk about debt collection. We have had many roles as employees and our own business in the debt collection and lending world for 4 decades. From doorstep lending to deals worth 100’s of millions. Asset repossession to writing off debt – permanently. We give you access to the inside workings of lending and collection institutions.

Our biggest piece of information is that what man can make, man can amend. By this we mean if anyone and we mean anyone says that something cannot be done or undone – they are simply lying. Debts can be written off. Credit bureau records can be undone. The LAW can be circumvented – as long as it is in the debtors (you) favour.


Frequently Asked Questions About Moorcroft

  • What is the email address of Moorcroft Debt Recovery?

    [email protected]. You can use this email address for all sorts of questions. General enquiries, complaints, and compliance. If you are not good on the phone, ask them to make this your primary contact method. They will ask you to jump through a few hoops. Ay least this gives you a copy of all their responses and timings.

  • What is Moorcroft debt recovery phone number?

    0330 123 9765. This number is NOT a premium number. You can use this to make payments, ask for you balance. It is also a helpline for people who are struggling with debt. You can use it to ask for the file they hold on you which can be had for FREE. Another question to ask is that a transcript of the call to be sent to you. Either a paper transcript or an audio file.

  • Is Moorcroft Group legitimate?

    You can bet your last penny that it is. It has every licence you could imagine. They have more lawyers making sure that they are properly registered than most financial institutions. Do not waste your time querying if they are legitimate.

  • Who do Moorcroft collect debts for?

    They collect for a whole crowd of companies and industries: water, gas, and electricity companies. Banks and financial institutions. In addition, they collect debts for local, regional, and national government departments. They are also highly active in the telecommunications industry.

  • Can you complain about Moorcroft?

    YES. Best place is to start with is their complaint hotline – 06161 475 2970. Remember the people on these lines are highly trained; no matter what you believe or think. This is the place to start before you start writing to the financial ombudsman. Ask for a transcript of your conversation or copy of the audio file. Ask for this at the beginning of the call. 

  • What is Moorcroft Debt Recovery address?

    If you want to write to Moorcroft about you account, copy of file request, or general information, the address is: It might be an idea to send your letter by recorded delivery and have it signed for.
    2 Spring Gardens,
    Stockport,
    SK1 4AA

  • Are Moorcroft allowed to buy my debt?

    This is something you have to check in your original agreement. There should be a section of how your account can be assigned. You can ask Moorcroft or your original lender for a copy of this highlighting the area that allows either the sale, transfers or use of third party debt collectors. You might need a lawyer to do this for you.

  • Who should I write to at Moorcroft Debt Recovery?

    They always say aim for the highest. This might mean doing some leg work and expense. You can obtain a full report of the directors and shareholders at companies’ House. However here are a few of them (as of October 2020): Andrew James McRoberts (company secretary), Rodney Neil McRoberts, Neil George McRoberts, Amanda Martin McRoberts. Here is one potential email address [email protected]

  • Can Moorcroft debt recovery enter my premises?

    NO – they cannot, unless you invite them. They are debt collectors NOT enforcement agents.

  • Can I refuse to discuss my debt with Moorcroft?

    Absolutely yes. The original lender or service supplier has to talk to you if you wish. Your lender or provider cannot reassign the obligations under your contract. One of their obligations is to discuss your account with you. Therefore, if they say you will have to speak to Moorcroft, inform your lender they are breaking the law and you wish them to write to you repeating what they have just said to you.  After that you could, and we say could (not demand) that they amend/write off your debt. Indeed many of them will have recordings – always ask them to email you a mp3 or transcript of your conversation.

  • What if I cannot afford to pay Moorcroft debt recovery?

    Fill out an income and expense statement. Be completely honest about it. We can assure you that it is not in the interest of Moorcroft or your lender to try and get money out of a stone. Do not try and blame the salesman etc. for getting you overindebted – they will always defend their introducers. Take it on the chin and send them a statement. You might just find that they will write it off or take a token payment. They have an obligation to treat customers fairly.

  • Can I avoid pay my Moorcroft debt?

    Of course, you can avoid it – however it will not go away. Remember that you have used someone’s money or service and they deserve being paid. If you cannot pay them, they deserve to be told the truth. Invest an hour or 2 and it will be resolved forever. Be courteous and pleasant at all times. The people you are speaking to only came in to do a day’s job. It is not personal it is simply their job. We assure you that you will feel better once it is put to bed and resolved.

  • Can Moorcroft Debt Group write off my debt

    The answer is probably yes. If they have purchased your debt from your lender they can write it off, if they have a good reason. If Moorcroft are acting as a third party debt collector, they can recomend to your creditor that your account should be written off. The simplest (and only) way to achieve this is to complete a financial statement and a short letter explaining your over indebtedness and inability to pay. Give them a valid reason to strike off your debt.

  • Does Moorcroft have to be registered with the FCA

    Yes they do, and yes they are. If you want to dig a bit deepeer into who they are and what they are allowed to to you can visit Financial Conduct Authority. The FCA has all the details you would need to make a thorough investigation of your own. However, you would only require this information if you beleive they have done something wrong in the way they are treating you.

  • Does Moorcroft Debt Recovery have to abide by the Data Protection Laws

    They certainly must. And you can check they have a valid registration at the Information Commsioners Office website. Never let data protection get in the way of resolving issues. Many debt collection agencies make it difficult to discuss your account because they want your personal information. If they say they need further information to discuss your account you can write to them and inlcude a secret password that they can use. Or simply say that all discussion will have to be by letter and them write to the most senior person you can find.
    Remember that the DPA is not an excuse not to resolve your account. We know we were there when it was being introduced and the red tape maniacs have went over board as the years have passed


Acceptance And Remorse

Maybe some strong words when dealing with a debt collection company. However, if you want to succeed in getting great result you need to occupy the moral high ground. They probably have the legal high goriund , so you play to your strengths.

We will assume that the debt is yours. Simply accept it, no amount of arguing or screaming will change that. This allows you to move to a stage on resolving the situtation. If you have a genuine complaint and by that we don not mean something minor, like a letter wrong in your name or the way the member of Moorcroft Debt spoke to you. If you have a serious dispute about the ownership of the debt write to them. If it is not valid, you have wasted YOUR time.

Remorse is your way of understanding that you have wasted your money on whatever and you now are expected to pay for the goods you used. Genuine remorse will go a long way to creating a great rapport.

Once you have accepted that it is your debt and that you have genuine remorse, you will obtain a seriously good result with any debt collection agency or lender.

Your Moorcroft Debt

Let us get this right – Moorcroft debt recovery are contacting you because you entered into an agreement. It could have been for anything: a phone, personal loan, car finance, utilities, home mortgage, boat loan, room rental. Just about anything where you had the use of something with the promise of future payments.

The first thing for you to do is simply accept your indebtedness. Do not try and become a legal expert trying to find a loophole. Debt collection companies like Moorcroft group and credit collection services have heard it all before.

Do not try and say they have no right to collect the debt. You can be sure that Moorcroft and the lender have had legal opinion on their ability to do so. There is an addendum to this that many people ignore and which we have personal (painful) experience of. The actual debt (income stream) can be assigned but not the obligations of the lender. Keep this in mind for later.

Income And Expenditure

Put some work into creating your own personal income and expenditure spreadsheet. Many debt collection agencies want you to use their version and I am sure Moorcroft group are no different.

You can create the spreadsheet over many weeks or even a month of 2. This is going to help you. Add the things they might not usually consider. Gambling, alcohol, smoking, obesity. Be honest with yourself. It might lead to a better lifestyle.

Writing things down makes it easier to deal with. It makes it easier to discuss your financial situation with debt collectors or debt attorneys. Or self help groups. There are groups in your area that can help. However, it is a good idea to be prepared.

Never, Never, Never

2 things you must not do.

  1. Never threaten violence. Keep the moral high ground.
  2. Never offer a payment you cannot make, just to keep the person on the phone happy. They get paid for promises being made. However, it is better for them and you to make an offer you can keep.

Your Original lender

The reason that Moorcroft debt recovery are chasing you is because someone lent you something. The lender will have done everything, insomuch that it can, to ensure you could repay. Although there are caveats here

  1. They were not given your real facts. Either by you or the lenders staff or introducer. There lending decision was made on the facts that they were given. They will assume that it was you, as you have signed the agreement.  It is difficult, but not impossible to prove otherwise. Notwithstanding that – if you have had use of the item or service that the credit was granted the lender can use that as a defence. However, we do not want to get involved in legal terminology.
  2. There was a large deposit made on an asset which they can quickly resell. Possibly quicker than the loan/rental term. However, this type of repossession is becoming more difficult for the credit grantor.

Notwithstanding that your debt has been sold to Moorcroft or they are collecting on behalf of your lender. The lender still has to uphold his obligations. And in turn, Moorcroft debt recovery ltd has to uphold those obligations. Generally, data protection and treating customers fairly. Once again, just because the lender has deviated a little from their obligations it might not eradicate your debt. They cam always rely on the law to enforce.

You do not want to go to court. The lender can afford better debt attorneys and collection lawyers.

Here is something that all lenders know or should know. People defaulting has rarely bankrupted a lender. Fraud is the death knell of a lender. And more often that not this comes from within or from you dealer network. Seek your savings there and not investing in better debt collection methods.

Advice To Lenders

Invest in real underwriting. Spend time there and your debt collections teams can be reduced. Put debt collectors in charge of lending. Mix up you credit and risk teams.  If you have a credit control department – close it until you have a better name for it. Maybe Good Business Creation or something – anything. 

By the by lenders – ensure that you debt recovery solution provider uses voice analysis. In addition, make sure 1 of your people who knows how it works. You can then add in your own keywords and phrases. Saves a lot of time reporting.

One of the top most concerns for debt collection agency is their ability to exist. It will come to an end.

The Law

Debt collection law or debt recovery recourse through the courts is the last thing you want to become embroiled in. Do not cut your nose off to spite your face. The likes of Moorcroft Group and Credit Collection Services have teams of debt lawyers on their payroll or on contingency.

Unless you want to become a martyr, we suggest other ways of resolving the issue.

Remember the law gives you the minimum protection – and we mean this in a good way. Debt collectors can give you a better deal than the law allows. ALWAYS. We know, we have done it many times.

Debt Collection Solutions

In this section, we have suggestions for all concerned. Each of the suggestions are beneficial to all parties. None of these debt collection solutions favour one party.

Debt With Collection Agency

Just because your debt has been transferred or sold or being collected by a debt collection agency: it is still you that is in control. You have something they want. They want your money or they want you off their books.

Many people like yourself has googled debt with collection agency to get some help. Mostly you will get debt consolidators hoping to make some money from you. Or debt lawyers wanting to give you advice.

However if you have searched for impartial advice using debt with collection agency you will find it here. Some you might like and some you might not want. It will not go away unless you deal with it. What is for sure the more pf their time you take up the more they want to get you off their books.

You might want to remember if one debt collection agency returns your debt to the lender, it may well end up with another firm of collectors. Keep all records; either paper, calls or electronic. If possible record personal visits.

Pre Repossession

We have to assume a few things here. You can no longer afford the car/boat/house/phone or whatever. It might sound harsh – but you can survive without this item. We know this is a hard decision. However, maybe you can obtain a similar asset or item form a different supplier. Just think about that and do a bit of research.

Here is what you want. You want debt for the current item to “go away”.

The lender or debt recovery agency want to resolve this as cheaply and quickly as possible. No matter what they say, they really do not want to go to court to have their asset returned.

Inform them that you will return their asset (car, phone, boat or whatever) on the following conditions:

  1. There will be no payment of the arrears
  2. There will be no payment requited on the shortfall of the sale of the asset
  3. All details of the loan will be removed from credit bureau register. This can be done, and it is quite easy. If the lender says they cannot do it – tell them to speak to their data controller.

It is a simple letter; here is our suggestion

Dear (lender)
Your Details
I write regarding the above. I will allow you or your agents to take possession of (describe the asset) on the following grounds.
That is it. We used this many times for people who we considered to have been hoodwinked or experienced unexpected changes to their life.

Post Repossession

Lets us tell you how much your post repossession or sold debt can be worth. We were once involved in the sale of “post repossession of distressed debt” in the UK. Fancy talk for bad debt. The average balance was £2,600 and the total balances involved were in excess of £100,000,000. It took us 8 months to put the pack together and another 6 months to “sell” to the debt purchase company. Who were similar to all debt collection companies.

The debt was sold for £1,300,000. Which is 1.3%. Add some expenses and we are at 2%. This gives you an idea of what your personal debt is worth to the debt collector. Admittedly some debt is worth more and some a lot less.

Why would a lender sell the debt to Moorcroft Debt Recovery? Their option is to completely write off. Many lenders want to lend – they do not want huge collection departments.  Debt collection is specialised. Not everyone is suited to be a professional debt collector.

The directors of the company we worked for were over the moon to get rid of 40,000 customers and pocket £1.3 million.

Negotiating With Debt Collection Company

It costs a debt recovery agency truly little to keep calling you and sending you emails. They are all automated until you do something. What does cost them, is interaction with you.

The art of negotiation is fairly simple. Start low and move slowly. Move the same amount each time, no matter what they say. It will cost them time and money to consider your offer. In addition, if you ever go to court, you can state that the lender or Moorcroft debt collection or whatever debt collection agency is obtuse.

Make them an offer in writing. “I offer you xxx in full and final payment of (describe loan/account) on or before xxx date.

Be reasonable with date. Not too short and not too long.

If you are a bit on the cheeky side, ask them to remove records. However, that is up to them. They can if they want,

Moorcroft Debt Recovery

Their motto is managing debt responsibly. Now, we have to question this.

From a purely business point of view. A lender uses risk based pricing. Therefore, it expects bad debts. If it is not using risk based pricing, it should be. If a debt goes bad it should be written off. Assume that the debtors have overextended unintentionally, or circumstances have changed.

It is in the price. Accept it and stop penny pinching. And that goes for all the other debt recovery agents in the UK. Recovery agencies in Australia and debt attorneys in the USA.

Voice Recording

Why do some debt collection companies and debt lawyers refuse to use voice analysis? It is cheaper than a team of people listening through sample conversations. It is to your advantage that calls are recorded. Many of the voice analysis recording software solutions allow audio or printed copies to be sent to you.

If Moorcroft debt are recording your conversation insist on a copy being sent to you. And that goes for any other debt collection company.

Here is what we think. They want to avoid compliance issues. Proper voice recording and analysis is difficult to manipulate.

Related Searches To Moorcroft Debt Recovery

The most often asked questions about MDRL are:

  1. Is Moorcroft debt recovery is it real?
  2. Will Moorcroft debt recovery take me to court?
  3. Can Moorcroft but my debt?

The simple answer to all of these is yes. Stop avoiding and start communication. Here is the thing. Contact them to see who they recommended that can give you free and impartial advice – they are obligated to tell you.

Alternative To Moorcroft Debt Recovery

If you see any of the following: seek advice. Many of these companies are out to make a profit. Seek out a debt charity of citizens advice in your local area.

  1. Debt management plan
  2. Consolidation loan
  3. Debt arrangement scheme
  4. Individual voluntary arrangement

Companies offering these will have a fee. That is not to say they are not an option. Consider carefully.

Is Moorcroft Debt Recovery Real

Indeed it is. If others tell you to ignore them out of hand, think on your own behalf. Alternatively, there is government advice on what to do if your are overwhelmed by personal debt.

Nearly all the advice on the web about Moorcroft Debt Collection is from companies offering and IVA (individual volutary arrangement). These are arranged by a “qualified” person. An IVA will often last 5-6 years.

You might consider negotiating with creditors on your own behalf. Doing it on your own can be rewarding. If you are not up to it – or you have many debts. Ask a non profit what you can do. Or try and increase your income with earning or saving

#resolutecollections #debtcollection #debtcollector #debtrecovery #debt #debtcollectors #debtfree

debt collectors uk

How To Find The Best Debt Collectors In UK

debt recovery services company

Debt Collectors UK | The Best

You will have no lack of choices looking for debt collectors UK.  If you search google you will receive 5,600,000 results, 20 adverts and 8 suggestion for other search terms. By using our tips of the trade, you can reduce the results down to a more manageable 2,610 and half the number of ads.

If you desire a visual look at debt recovery UK firms, we can show you how to easily do that.

The solution we demonstrate to you is fantastic, if you are looking for debt collector near you. Or you are outside the UK and you need a UK debt collector. More importantly you might need a debt recovery agent who is located near your debtor.

An agent nearer the debtor is better than nearer you. It means the agent can visit more often – if need be.

You will learn how to use Google operators to find exactly what you want. This technique will certainly reduce the results to debt recovery UK companies. Reducing the time it takes you to find a suitable debt collecting company.

allintitle: debt collectors UK
allinurl: debt collectors UK

All you do is copy and paste either of the above into a google search bar/box. Your results are now reduced to 2,610 and 3,660, respectively. These numbers are dynamic and change form hour to hour. But it is far easier for you to review a few thousand results than several million.

You will find more than a few solutions in the following paragraphs. There will be one particularly suited to you. Each solution becomes more focused and concentrated. You can mix and match the search terms until you find exactly what you are looking for.

These tips of the trade will save you an enormous amount of time and effort. And your money.

Here are some FAQ’s

Do I need a professional debt recovery agent?

We would say YES you do. Most private undoviduals and SME are not geared up for chasing debt.

What will it cost to hire an agent?

This will depend entirely on the debt. It could be a fixed fee of a few hundred. Or a now win no fee – however you can expect to pay up to 60% commission

Will I get all I am owed back?

Given time you might. Genrally speaking it is highly unlikely that you will achoeve 100% of everything including, inital debt, fees, time invested.

Can I claim for the time I have spent on this?

Not really. Unless your business is debt collection. Focus what is owed and chalk the rest down to experience.

Is it all worth the candle?

That is a good question! If you get the money back it is. If you do not, it is time and money wasted.

How do I know if it is worth trying to litigate etc?

Have the debt collector or an investigator find out if the debtor has cash or assests – which is easier said than done.
You might wish to try an alternative method if that fails.

Debt Recovery UK

You would think that searching debt recovery rather than debt collectors would return similar results. That is an emphatic NO! 66,000,000 results for this search term.

That is an unbelievable amount of results for you to plough through. If most people were honest, they would be overwhelmed and look at a couple and “get it over with”.

So back to Mr. Google’s operators allinurl and allintitle.

allinurl: debt recovery UK
allintitle: debt recovery UK

This reduces the ridiculous amount of results into 1,000’s rather than time consuming millions. It allows you to make a better choice; quickly and easily.

Debt Collection Companies UK

You are never going to believe what number of results this provides. As the more words there are in a search term, the more results. On this occasion 223,000,000. If you are an international debt collector or lender, this looks like a lost case.

debt collection companies uk

You can use “parentheses” and search “Debt Collection Companies UK” and the numbers are miraculously reduced to 40,000.  

However perhaps even this reduction in search results for a debt collector or a debt collection company in the UK is not good enough for you. You want to know exactly where they are, or are they good enough for you.

Let us go back to our initial search for debt collectors UK or try here for debt collectors in Scotland.

Moorcroft Debt Recovery

MDRL are on eof the biggest in the UK. If you are a lender looking for a debt recovery company in the UK, you could have a look here. If you are a debtor – our site has information on how to deal with debt collectors.

Debt Collectors UK

We are going to show you one of Google’s most awesome and breathtaking tools. One has to assume though, that any company worth its salt is registered or connected to Google in some shape or form. Not only does this show you the location it includes reviews. Though you can take a review for what it might be worth. However generally their value averages out over time.

We are ready to show you a quick video on how to use Google Maps. This is not edited and is the actual time you will invest. 57 seconds.

How To Guide

How to find debt collectors in the UK

find a debt collector in 5 minutes 5 minutes

Open Google Maps

How To Easily Find The Best Debt Collectors In Scotland

Use any search engine or google.com/maps

Search for UK debt recovery agency

find best catastrophic injury lawyer

You can use other search terms like; UK debt collector etc

Narrow and define your search

do you need a catastrophic injury lawyer

Using the mouse or the controls on the bottom right. You can easily navigate around the UK. focusing in yor local area or the debtors location

Make you choice

do you need a choose a great catastrophic injury lawyer

Click on any of the red markers and you are presented with the businesses full details and reviews.

Make a move

The best idea now is to call the debt collector. This will give you an indication of their service level and communication skills

In our next video we will show you how to start with a specific city and inspect various companies. You will:

  1. Open google maps
  2. Change search details to Edinburgh
  3. Type debt collectors into search box
  4. Further investigate Edinburgh:
    1. moving map
    1. increasing/decreasing size with +/- on bottom right hand
  5. click on red markers to research debt collectors

You will clearly see that when you click on the red marker, it will highlight the company on the left sidebar. This gives you the address, reviews, and website etc.

None of the debt recovery companies or debt lawyers that we click on, in the video, are not be considered a recommendation. It is only for demonstration purposes.

Other Services

debt recovery uk

This has nothing to do with debt recovery companies or debt collectors. There are many of you who will realise that using google maps is awesome for discovering any location based service.

The hint: if you are looking for a country rather than a town/city, use the country name in the search. I.e. —       UK debt recovery agency

Comments and Suggestions

You have read and seen our ideas. If you have any suggestions about debt collectors UK or debt recovery agents in the UK – everyone would like to hear them. Your recommendations or otherwise.

#resolutecollections #debtcollection #debtcollector #debtrecovery #debt #debtcollectors #debtfree #legaldebtrecovery #corporatedebtrecovery #consumerdebtrecovery #legalhelp #debtfreecommunity #debtfreegoals #debtfreejourney #latepayment