So, you’ve done everything right. You sent the invoices, chased the emails, followed the Pre-Action Protocol, and finally took the debtor to court. You now have a County Court Judgment (CCJ) in your hand—a piece of paper that legally says you are owed money. But here is the frustrating reality that many SMEs face: a CCJ does not automatically put
Pre-Court Debt RecoveryThinking about issuing a County Court claim for an unpaid invoice? Before you do, the Pre-Action Protocol for Debt Claims (PAPDC) sets out fair steps you’re expected to follow. Getting these right improves recovery rates, reduces disputes, and protects you on costs if court becomes necessary. This guide explains when the Protocol applies, what to send, key timelines,
Residential rent arrears can escalate quickly if you don’t act with a clear plan. The goal isn’t just to “get paid”; it’s to recover what’s owed efficiently while protecting your property, your time, and—where possible—your relationship with the tenant. This guide explains your main options and why comparing solutions is the smartest way to choose the right path for your
Fair Payment Code 2025: What It Means for Getting Paid Faster (and What SMEs Should Do Today) Late payment rules in the UK are tightening. The Fair Payment Code (FPC) has replaced the Prompt Payment Code, and the government is consulting on tougher measures to curb slow payers. Here’s what that means for SMEs—and the quick wins you can implement
Late payments are one of the biggest threats to UK businesses. In fact, 77% of SMEs say they struggle with overdue invoices, and billions of pounds are locked up in unpaid debts every year. When chasing invoices internally doesn’t work, many businesses turn to a debt collection agency. But here’s the problem: choosing the wrong agency can make things worse.
✨ New Feature Late Payment Calculator & Invoice Generator Now Live You can now automatically calculate statutory interest and compensation on overdue invoices, then generate a professional PDF to send to your debtor — all in one simple tool. ➤ Try the Calculator Now If a customer still hasn’t paid and your payment terms have passed, you don’t have to
Three companies posing as professional debt collection agencies have been shut down in the High Court after keeping more than £50,000 of client money. Investigators found the firms used misleading claims and fake testimonials to win business, then became uncontactable while withholding funds recovered from debtors. What happened The Insolvency Service reported that the businesses targeted small companies via unsolicited
Not all debt collection reviews tell the full story. In fact, many online ratings are skewed by angry debtors – not the businesses who actually hired the agency. So how do you separate the noise from the genuine insight? If you’re thinking of appointing a debt collection agency to recover unpaid invoices, here’s what to look for (and what to
Late or unpaid rent from commercial tenants can put serious pressure on your cashflow. Whether you’re leasing office space, retail units, or industrial premises, every missed payment adds risk – and chipping away at your profit margins isn’t sustainable. Fortunately, landlords have a wider range of options when dealing with commercial rent arrears than residential ones – but timing and
If you’ve ever had a customer dodge payment, you might have wondered: should I use a debt collector or a bailiff? They’re often spoken about interchangeably — but they’re very different roles with very different powers. And choosing the wrong one could waste time and money. Let’s break down what each one does, when to use them, and how Collect
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