Debt Recovery Services

Our Debt Recovery Department provides a full range of services for its clients, from the initial sending of a letter through to legal enforcement.

Whilst most matters receive the full cycle of the services on offer, the use of technology enables the team to offer tailored solutions to each individual client, meaning they can be engaged at any point within the standard legal process.

Details of the central services offered can be found below, but please contact us to discuss any special requirements.

Pre-legal debt recovery services

The team can offer a full pre-legal service, from an initial review of your claim and issuing a letter before action (LBA) through to dealing with pre-claim disputes.

We are regularly instructed to recover debts from both company debtors and individuals. The team’s experience ensures that they know the best approach to each claim, as well as ensuring compliance with all pre-action protocols. With our simple fee structure consisting of an initial set-up fee and commission charged on a “no collection, no fee” basis, you can rest assured that there will be no hidden fees for any pre-legal action.

Legal action

If a debtor is not prepared to pay the due debt despite our efforts at pre-action stage, the team can take the next step in the legal collection process and issue a county court claim.

Should legal action become necessary, we can also claim interest and costs/compensation if your terms & conditions allow. Achieving cost effective debt recovery is one of our aims and this is reflected in the fees we charge for issuing court action.

If your debtor does not respond to the county court claim or accepts liability, we can enter a county court judgment (CCJ) capable of enforcement.

The Debt Recovery Department can also handle defended claims in the Small Claims Track (up to £10,000), preparing for and taking your claim to a hearing for final determination.

Our Commercial Litigation team are on hand to assist with any defended claims that are above the threshold or complex.

Enforcement

If a debtor still refuses to pay despite pre-action efforts and a CCJ being granted, our Debt Recovery team can arrange enforcement of the CCJ.

Creditors have many different options when it comes to enforcement, but which method to use will depend on the individual circumstances of your case. The team will draw on their wealth of experience to discuss the best approach for your matter. Some options include:

High Court Enforcement Officers

The CCJ will be transferred to the High Court and a Writ of Control will be issued. This permits High Court Enforcement Officers (HCEO) to attend the debtor’s premises to recover the debt, with the view to removing assets for sale at auction if the debtor refuses to pay.

County Court Bailiff

Working in a similar way to HCEOs, but generally used for smaller value debts.

Third Party Debt Order / Attachment of Earnings

If your debtor is receiving regular payments to their bank account or has a good reserve, the courts can order that the third party, such as a bank or tenants, pay the available funds towards the CCJ.

If your debt is an individual and is in full-time work, the courts can order the employer to make regular monthly payments towards the CCJ until the debt is recovered in full.

Training

The legal process for recovering debts can be daunting. We offer free training sessions to our clients on debt recovery processes, to help your understanding of the stages to legal debt recovery.

We can tailor training sessions to suit your business needs and address any particular debt recovery concerns or areas of the legal process which you would like to have a better understanding of.

Please contact us to discuss your training needs to see how we can help you.

Meet the team

Ben Millward

Debt Recovery Manager
Southampton

Louise Boyle

Associate
Southampton

Helen O’Hare

Debt Recovery Paralegal
Southampton

Olivia Muscat

Debt Recovery Assistant
Southampton

Fran Clothier

Debt Recovery Assistant
Southampton