Full Debt Recovery Services including:

Pre Court Debt Recovery
High Court Enforcement
Letter Cycle

Debt Collection Agency UK Services

Do you know the key difference between
Debt Collection and Debt Recovery?

Although both are used in very similar terms. The main differences are that Debt Collection is the creditor whom chases the debt 'in-house'. Whilst Debt Recovery is enlisted as an outsourced third-party service which gives you the opportunity to recover up to 100% of the money owed.


Full suite of recovery services available

All your needs catered for

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across the UK

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We can assess your circumstances to provide the best support to find the right Debt Recovery company for you. Working with a number of the UK’s leading debt recovery specialists, we can guarantee to find someone to assist you. We can allocate the best quotation based on what you need, the size and number of debts you have outstanding.

Complete our short form on the link below and receive a comparison quote from a leading national Debt Recovery agency.

It only takes a few minutes!

Key terms

Debtor – the person who has borrowed money, and has to repay it

Creditor – the individual or business which has extended the credit with an agreement and payment schedule

What is debt collection?

If you’ve found that you’ve missed a payment for a loan or a credited service, your creditor (i.e. the business you’ve borrowed money off) will be in contact to prompt you to make payment via sending a letter and making phone calls. This is classed as Debt Collection and is usually kept ‘in-house’.

Known as the “chasing of a debt”, businesses tend to have a department whom solely pursue debts. After around 30-days after a payment has been missed and no contact has been made by the debtor, this would be the time your Debt Collection department would usual step in.

They will check to see how much money is owed and decide to either outsource it to a third-party Debt Recovery firm (see below) or elevate their claims to the courts.

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What is debt recovery?

If you or your creditor has attempted to contact the debtor several times via phone, letter or email, but they haven’t managed to successfully gain payment or set-up a payment plan. You can request the services of a third-party to help recover up to 100% of the money owed by the debts.

Whilst you’re requesting third-party recovery services, your creditor will start the process of creating a court case against the debtor, ensuring their credit score will be impacted.

Get the best quote available for your business. Complete our quote comparison form and we will supply you with details of leading national Debt Recovery agencies whom will cover all your requirements.

Frequently Asked Questions (FAQs)

Bad debt is the term used to describe debt that is unable to be recovered. This could be because the debtor has gone bankrupt or is experiencing financial problems, or because it cannot be collected for some other reason. This makes the debt effectively 'worthless'.

The short answer is that debts in the UK are written off six years after the last contact was made between the debtor and the creditor, provided the creditor hasn’t obtained a County Court judgement (CCJ).

However, as you might expect, it’s not quite that clean cut in practice. If the creditor can prove they’ve taken reasonable steps to contact the debtor during these six years, they may be able to obtain a County Court judgement later on. And if the debt is a crown debt (court fines, council tax etc.) it won’t be voided after the six years regardless of whether contact has been made.


Merrehill Ltd trading as Compare Debt Recovery

Registered in England, Company No. 5518204.

Registered Office : Military House, 24 Castle Street, Chester, CH1 2DS

Copyright © 2019 Merrehill Ltd trading as Compare Debt Recovery