Debt collection in United Kingdom

Debt collection
in the United Kingdom.

15%

Commission on recovered amount — paid only on success.

You have an unpaid invoice in the UK. Every day that passes costs you money — and reduces your chances of recovery.

Legal framework

Pre-Action Protocol

Working language

English

Coverage

England, Wales, Scotland, NI

1

First contact

Send your claims, we will study your problem and your needs.

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2

Send your claims

Tell us in which country you have an outstanding payment, send us your invoice, and let us take care of everything!

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3

Get informed

We keep you informed via Intranet 24/7 on any developments in your accounts and provide reports on the progress of debt collections in the language of your choice.

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4

Recovery costs

Pay on success. A uniform pricing policy throughout Europe : 15% of the amount.

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— Our method

How we recover
your UK debt

A structured, two-phase approach proven over two decades of UK debt recovery. We move as fast as the law allows — and push further when needed.

Phase one — Before court

Direct recovery.

As soon as you instruct us, we initiate contact with your debtor. Through targeted communication, negotiation, and a formal Letter of Claim (as required by the UK Pre-Action Protocol), we resolve the majority of cases without litigation.

Faster, cheaper, and relationship-preserving — and almost always enough.

— Key insight

Companies that claim cashflow problems are often owed money themselves. We identify and leverage these situations to unlock payment faster.

Phase two — When necessary

Legal enforcement.

If direct recovery does not produce results, we escalate — immediately and systematically. Court action, enforcement officers, statutory demands: every legal lever, applied in the right order.

You stay in control. We keep you informed at every step through the Intranet, in the language of your choice.

"The Pre-Action Protocol isn't a hurdle — it's a recovery tool. Done properly, it settles four out of five cases before a court is ever involved."
UK partner, Sekundi network

debt collection UK

You Only Pay If We Recover

Our fee structure is straightforward, results-based, and aligned with your interests. For B2B debts, UK Late Payment Legislation allows us to add statutory interest and recovery costs to the debt from the original due date. In most cases, these additions cover our fees entirely.

Debt collection in united kingdom

The Sooner You Act, The More You Recover

The single most important factor in UK debt recovery is timing. We recommend instructing us as soon as an invoice reaches 90 days overdue. Beyond 90 days, each additional month reduces your recovery rate. Do not wait.

— Information

Give Us the Right Information From the Start

The more we know about your debtor, the faster we move. When you instruct us, provide as much of the following as possible:

Every piece of data shortens the recovery timeline. Incomplete files slow us down. Complete files let us act immediately.

Key Figures about debt collection in UK

Corporate debt in the UK exceeds £1.9 trillion and grows every year. The window to recover what you are owed is real — but it closes fast.

Over the last financial year, Sekundi's UK partner achieved a 78% success rate in corporate debt recovery. That figure is not a baseline — it is what structured, timely action delivers.

Let's talk about it!









    UK Debt Collection - Frequently asked Questions

    Does the European Payment Order still apply in the UK?

    No. Since Brexit, the EPO has no legal force in the UK. EU creditors must use UK domestic procedures — another reason why having a local, experienced partner is essential.

    What if the debtor disputes the claim?

    Disputed cases go to civil court. We prepare the full case file, coordinate with our partner solicitors, and manage the process on your behalf. Be aware that if an unfounded claim is lost, the creditor may be liable for the debtor's legal costs — which is why we assess each case carefully before recommending litigation. 

    How quickly can you start?

    Immediately. Once you file your claim through Sekundi, we instruct our UK partner and initiate contact with the debtor within days. The sooner you act, the stronger your position.

    What documents do I need to file a claim?

    At minimum: a copy of the original invoice, any signed contracts or purchase orders, proof of delivery or service, and any prior written correspondence with the debtor. The more documentation you provide, the stronger your case.

    You have outstanding debts in another country and having problems getting them paid?

    File your claim

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