Recover
Debt recovery that protects your brand
Aggressive collection recovers a little money and destroys a lot of goodwill. We recover more by making payment simple, arrangements realistic and every step accountable.
Recovery stages
Escalation is earned, never automatic
Each stage has entry criteria, a mandate and a time limit. Accounts move forward only when the previous stage has genuinely been exhausted.
Pre-legal recovery
The majority of accounts resolve here. Structured digital notices, reminder cycles and negotiation open the conversation without escalation, and most customers choose a plan once payment is made easy.
- Validated balance and reference before first contact
- SMS, email and voice contact within agreed hours
- Self-service settlement and plan proposals
- Affordability-based arrangements within your mandate
Field and personal contact
Where digital contact fails or an address needs confirmation, trained officers make documented visits with identity verification and written summaries of every interaction.
- Trace and contact-data refresh
- Identity-verified officer visits
- Written visit reports on the case record
- Escalation only after documented attempts
Legal escalation
For accounts with capacity to pay but persistent refusal, we prepare the file for your legal partners: demand history, contact log, payment record and dispute status in one export.
- Pre-action file preparation
- Litigation-ready evidence pack
- Instructed counsel coordination
- Post-judgment recovery support
Commercials
Success-fee based, aligned to your outcome
Standard placements are charged as a percentage of amounts actually recovered, tiered by portfolio age, balance size and volume. Portfolio-wide programmes and legal escalation are quoted separately.
0–180 days past due, good contact data.
6–24 months past due, contact refresh required.
Over 24 months, trace and field work needed.
Indicative structure only. Final rates are confirmed in your service agreement after portfolio review.
Ready to place your first portfolio?
Tell us what you manage today and where you need support. Every conversation is confidential.