UK Debt Recovery After Brexit: Enforcing EU Invoices
An unpaid UK invoice can become far harder to collect once a debtor has moved assets, disputed delivery, or ignored court papers. For EU exporters, UK debt recovery no longer follows the familiar Brussels Recast route for most new cases. You can still enforce many EU judgments against UK debtors, but the route now depends […]
Government Debt Recovery: The Lesson Behind 27%
A repayment plan can look like a concession when you have an unpaid invoice. Often, it is the route that gets your cash moving again. The UK’s government debt recovery record offers a useful benchmark, but only if you read the numbers with care. HM Treasury reports around £350 billion recovered across government over the […]
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 […]
Aged Debt Recovery in 2026: Reaching Post-Covid Balances
An old invoice rarely disappears on its own. It becomes harder to pursue when contacts change, records scatter, and the debtor’s financial position worsens. For many credit teams, aged debt recovery now includes balances that sat untouched during Covid-era collection pauses or received only light follow-up afterwards. You can still recover some of these accounts, […]
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 […]