Why Consumer Duty Debt Collection Needs More Than Cure Rate
A high cure rate can look reassuring while customers are being pushed into repayment plans they cannot sustain. Consumer Duty debt collection changes what you need to ask of a collections process, particularly when your firm is FCA-authorised or acts for a regulated creditor. Cash recovery still matters. However, the FCA expects firms to monitor […]
Stacked BNPL Debt and the 2.8 Accounts Problem
A customer can look able to pay on paper while several small Buy Now, Pay Later instalments drain their bank balance each week. That gap matters when an invoice goes unpaid, because stacked BNPL debt can hide payment pressure that a basic affordability review misses. For your business, the point is not to diagnose a […]
Service charge arrears: your complete England & Wales guide
Struggling with service charge arrears in England & Wales? Discover how to address missed payments effectively and avoid legal issues.
Bailiff Regulation: How Creditors Should Prepare Now
A successful enforcement action can still create risk for your business if the process is poorly managed. Bailiff regulation is moving towards stronger independent oversight in England and Wales, so creditors need clear records, careful supplier choices, and control over every escalation decision. For businesses chasing unpaid invoices, this is not a reason to delay […]
Pre-Action Debt Recovery: The Cost of Skipping Contact
Issuing a court claim without first trying to resolve an unpaid invoice can turn a straightforward collection case into a more expensive dispute. Pre-action debt recovery is where you show the debtor what is owed, give them a fair chance to respond, and consider a sensible resolution before proceedings begin. That does not mean you […]
Debt Discoverability Reform: Recovering Older Debts
A debt written off in your accounts may still be a live commercial claim. The 2025 debt discoverability reform has made that distinction more important for businesses pursuing older Scottish debts. If an invoice disappeared into an old ledger because the loss, responsible party, or supporting records were unclear, the limitation clock may not have […]
No win no fee collections: the UK creditor’s guide
Explore no win no fee collections, a risk-free debt recovery option. Pay only when you collect. Learn how to partner with trusted agencies!
Repeat Delinquency Collections: Proof of Fair Outcomes
A high recovery rate can hide a poor customer outcome. If accounts return to arrears soon after you close them, the payment arrangement may have collected cash without resolving the underlying problem. That is why repeat delinquency collections deserves attention from collections, risk, and compliance leaders. It shows whether customers can sustain the solution you […]