Vulnerable Debtor Test: Scripts for 2026 Enforcement
An overdue invoice can become a conduct risk during one poorly handled call. A vulnerable debtor test gives you a disciplined way to spot when the pressure, pace, or channel of contact could cause harm. For businesses seeking payment, that does not mean abandoning debt recovery. It means pursuing the invoice firmly while making space […]
Judgment Enforcement: Getting Paid After You Win
A court judgment can confirm that a customer owes you money and still leave your bank balance unchanged. Judgment enforcement is the separate work of turning that legal decision into payment. Winning settles the dispute over liability. You still need to identify assets, choose a proportionate route, pay the right fees, and act before the […]
RM6402 Debt Framework: What Recovery Firms Should Expect
Public-sector collections are moving toward a model where the prime contractor controls the service design, supplier panel, data flow, and performance oversight. If you lead a private recovery firm, the RM6402 debt framework deserves close attention because it may change how you access major government debt portfolios. The opportunity is substantial, but so is the […]
Digital Debt Collection for People Who Won’t Answer
An unpaid invoice rarely means your customer has disappeared. More often, they have screened an unfamiliar call, missed a letter, or put off an awkward conversation until it felt harder to begin. Digital debt collection gives you a more respectful route back into contact. When you offer clear information, private payment choices, and human help […]
14-Day Notice Enforcement: What Creditors Lose
A notice period that once moved quickly can now hold up attendance for two weeks. Since 1 May 2026, 14-day notice enforcement is the new starting point for taking control of goods in England and Wales. For creditors, this is not a reason to abandon enforcement. It is a reason to plan earlier, prepare stronger […]
Taking Control of Goods: The £1,900 Fee Rule
A notice from an enforcement agent needs prompt attention, but it doesn’t remove your rights or your ability to seek advice. Taking control of goods is a regulated process used to recover certain unpaid debts in England and Wales. The rules changed on 1 May 2026, including longer time to respond to a Notice of […]
The £200 Fee and £1,200 Threshold Change for Creditors
A search for a $200 fee threshold can produce a misleading result for creditors. The confirmed change is not a single $200 rule. It is a UK statutory change to enforcement agent fees, including a High Court first enforcement-stage fee of £200 and a separate £1,200 threshold for percentage fees. For creditors using enforcement after […]
Klarna Debt Collection After FCA Rules Begin in July 2026
A missed Klarna instalment may look like a normal unpaid balance, but it does not give a retailer the same recovery rights as an overdue invoice. From 15 July 2026, Klarna debt collection sits within a new FCA-regulated framework for many interest-free Buy Now, Pay Later agreements. If your business sells through Klarna, the change […]
BNPL Debt UK: The Collection Risk Businesses Must See
One in eight young people who use buy now, pay later has been chased by a debt collector, according to Citizens Advice research. For any business that sells to younger customers, BNPL debt UK is no longer a distant consumer-finance issue. It can shape complaints, repeat purchasing, chargebacks and your brand’s reputation. Buy now, pay […]
Predictive Debt Collection and the Private Recovery Shift
Late payment rarely begins as a collection problem. It often starts with a missed reminder, an unresolved query, or a customer whose cash position has changed. Predictive debt collection gives you a way to spot those warning signs before an invoice becomes costly to recover. The UK government’s 2026 to 2030 debt strategy points towards […]