Free Commercial Debt Recovery and Debt Collection

black tick symbolIt’s Free!

There is no cost to the creditor. You will not be asked to pay any charges, commission or fees. Advocate’s debt collection and debt recovery services are supplied completely free of charge to the creditor. The debtor pays our costs in accordance with late payment legislation.

black tick symbolIt’s Quick!

Many of the invoices we are instructed to recover payment of are paid immediately, over 50% are paid within 7 days and over 80% are paid within 14 days. You will receive 100% of the invoice sums you are owed whether it takes us 1 day or 14 days to recover payment.

black tick symbolIt’s Easy!

All we need to get started is a completed instruction form and a copy of the unpaid invoices. You can instruct us in just a few minutes by completing our online instruction form. Simply enter your contact details, the debtors contact details and a brief description of the goods or services supplied.

black tick symbolIt Works!

Advocate’s expert application of late payment legislation combined with our experience, persistence and professionalism produces an industry leading success rate of 84%. Don’t just take our word for it, read our independently submitted reviews and hear what our clients say about our debt collection and debt recovery services.

ReviewsInstruct us NowFrequently Asked QuestionsContact us Now

How does free debt collection and debt recovery work?

At Advocate, we believe it should not cost you a single penny to recover payment for goods or services that have not been paid for on time, and the Government agrees with us! The Late Payment of Commercial Debts Regulations 2013 provides creditors with a statutory entitlement to claim from debtors the cost involved in instructing a debt collection agency to recover payment of overdue commercial invoices.

Late payment legislation empowers us to deliver a true no cost commercial debt recovery and debt collection solution to businesses of all sizes, in all sectors across the UK. We add statutory late payment charges to the amount to be collected from the debtor to cover our costs. You receive 100% of the invoice sums you are owed and a completely free debt collection or debt recovery service. No charges, fees or commission are payable by the creditor.

We are not just another debt collector or debt collection agency, our no cost to the creditor service is truly unique within our industry and has established us as one of the UK’s leading debt recovery and debt collection agencies. We endeavour to recover and pay to our clients 100% of the money they are owed, and in over 80% of cases we are successful in doing this, within 14 days and without recourse to legal action.

In the unlikely event that it is not possible for us to collect payment within 14 days, our client decides if we close our file or issue legal proceedings on their behalf. If our client decides to close our file, the debt collection or debt recovery services we have provided are completely free of charge.

We are the most cost effective debt collectors in the UK, better than a no win no fee debt collection agency, there is no fee when we collect! Instructing Advocate is completely risk free. If, as with the vast majority of cases, we are successful in recovering payment of your overdue invoices, you will receive every penny of those invoice sums. If we are unsuccessful, you will have the peace of mind that you pursued the debt and did not increase your losses.

Please note we are unable to accept instructions below £750.00 or non-commercial instructions including those involving private individuals, personnel loans and residential rent arrears where The Late Payment of Commercial Debts Regulations 2013 does not apply. If you are pursuing a debt that falls in to any of the above categories, the Money Claim Service could be an option for you.

What are the benefits of using Advocate debt recovery?

Whatever business you are in and whatever its size you have a statutory right to be paid, on time for the work you do. Getting paid should be straightforward, but sometimes it’s not and the time and effort spent on chasing customers who avoid paying their invoices costs your business money. By instructing Advocate debt recovery your business saves time and money while taking advantage of our free business debt collection service.

The businesses we represent and work on behalf of benefit from:

  • Improved cash flow and profitability
  • No stressful and frustrating contact with debtors
  • Late paying customers being educated to pay on time
  • A completely free debt recovery and debt collection service
  • More time for their staff to concentrate on growing the business

Advocate’s free commercial debt recovery and debt collection services are available to any business that is owed over £750 by a business that they have supplied with goods or services. We have recovered and collected payment of unpaid invoices for over 6,000 businesses of all sizes, from self-employed contractors to FTSE 250 companies. We have collected debts ranging in value from £750 to over £1,000,000.

The late payment of commercial invoices creates many problems, at the very least chasing late payers is frustrating and time consuming, it can even mean you are unable to pay your suppliers on time and threaten the working relationships you have endeavoured to build, and in some cases it can be critical, in the UK businesses cease to trade every week simply because they have not been paid and cannot meet their outgoings.

Despite the problems associated with late payment many businesses are understandably reluctant to use a traditional debt collection agency. There is still a stigma attached to the debt collection industry which tighter regulation has failed to dispel. Advocate offers an alternative, a service carried out in accordance with Government late payment legislation, the law is on our side and this is just one of the reasons for our successful recovery rate of 84%.

Watch our video to find out how our free debt collection service works

Advocate’s debt collection process explained

As our name suggests we act and work as advocates for our clients, championing their lawful right to recover money which is legally and rightfully theirs. You should not have to pay to recover debts that have not been paid on time, that’s what the Law says and that’s why we use Late Payment Legislation to its full effect by charging our recovery fees to the debtor.

We’re dedicated and professional but we’re also approachable and friendly! The whole team at Advocate take great pride in the outstanding results we achieve and the strong long-term working relationships we build with our clients. And when it comes to debt recovery you will find we do things differently.

Unlike traditional debt collection solicitors we have embraced advances in technology, utilising real time financial, intelligence and tracing systems. What sets us apart from traditional debt collection agencies is the ethical approach we adopt and the fully compliant methods and disciplines we practice. Once you add our wealth of knowledge and experience in debt recovery and litigation and our expert execution of Late Payment legislation, it’s clear to see how we produce results which are unrivalled in our industry.

Instructing us takes just a few minutes using our online account referral form. Enter your details and the debtor’s details along with a brief description on the nature of the debt and how it occurred. We will commence action as soon as we receive your completed instruction from and copy invoices. In most cases a series of professionally structured letters, emails and telephone calls demanding payment and explaining the serious consequences of non-payment and possible legal proceedings is enough to prompt payment.

If we receive your completed account referral form and copy invoices before 2pm, we can usually commence action and issue a Notice the same day. On day one of our instruction we will issue the debtor with a Notice by post. On day two we will send copies by email. When completing the account referral form, please supply as many email addresses as possible, usually the more people and departments within the business that receive a copy of the Notice, the more quickly the debt will be paid. On day three we will commence telephone contact with the debtor.

It is not unusual for debtors to make payment as soon as they receive our initial correspondence. If required we will continue to contact the debtor by letter, email and telephone for 14 days. Our successful debt collection rate at the end of the 14 day process is 84%.

Taking legal action to recover a debt

In the unlikely event that it is not possible for us to recover payment, the information gathered during the 14 day process will allow us to recommend to our client the most appropriate and cost effective further action. This could be the issue of County Court proceedings or Insolvency proceedings, in which case we would provide full details on the process and the costs involved. It is then our client’s decision on whether or not proceedings are issued.

In a small number of cases the debtor will be insolvent and it will not be possible for them to settle the debt. In such cases as these where the debtor has no cash or assets, the costs involved in issuing legal proceedings would simply increase our client’s losses, and our advice would be to write off the debt and claim tax relief on the loss.

In cases where either it is financially unviable to pursue the debt through legal action or our client decides not to issue legal proceedings, Advocate will close our file in the matter. Whatever the circumstances, when we close a file without recovering payment, the services supplied by our debt collection agency are free of charge.

Should our client decide to issue legal proceedings, our file will be transferred to our panel solicitors who specialise in debt recovery and debt collection claims. They will issue proceedings in the name of and on behalf of our client, while Advocate will continue to be our client’s point of contact working as an intermediary, updating our client as the proceedings progress.

Prior to issuing a claim in the County Court the client would be required to pay both the Court fee and solicitors issue fee. The Court fee and solicitors issue fee to be paid are dependent on the claim value and are added to the total amount claimed in Court. Both fees would be included in the total sum awarded to the client should they be successful in obtaining Judgment.

The Court fees required to be paid to issue Insolvency proceedings total £1,880.00, and include the Court fee of £280.00 and the Official Receivers deposit of £1,600.00 to manage the Winding up Petition. You should take in to account that the purpose of issuing a Winding up Petition is to force the debtor to pay the debt. If once the Petition is issued the debtor pays prior to the hearing, the £1,600.00 deposit would be returned to you. Similarly if it becomes clear that the debtor is insolvent and it is not possible for them to pay the debt, we would recommend that the proceedings are stayed, and again the deposit would be returned to you.

In addition to the Court fees you would be required to pay a process server’s fee of approximately £100.00 plus VAT to serve the Petition on the debtor, and the London Gazette cost of £79.40 plus VAT to advertise the Petition.

Should the Petition proceed to a hearing, the objective would be to recover all of the costs involved in issuing the Petition in addition to the principal debt.

Enforcing a County Court Judgment

A debtor’s credit rating and ability to obtain credit will be effected within days of a Judgment being registered against them. Should the debtor satisfy the Judgment within 28 of it being registered then they may apply to have the Judgment removed from the Register. If a Judgment is removed from the Register then the debtor’s credit rating will be restored. If the debtor satisfies the Judgment after 28 days it will be filed as satisfied, however, the effect on the debtor’s credit rating will last for 6 years.

Despite the serious financial consequences of a Judgment there is no guarantee that it will be paid, unfortunately many are not and Enforcement will be required. Enforcing Judgment is the final phase of the debt collection process. There are several options with the most often used and usually the most cost effective option being the instruction of Bailiffs or as they are now titled High Court Enforcements Officers.

The cost to instruct an HCEO is currently £66.00. Once this fee is paid the Judgment is transferred up to the High Court with an application for a Writ of Control. Once the Sealed Writ of Control has been returned by the High Court, the HCEO would send the debtor a Notice of Enforcement giving 7 working days to satisfy the Judgment in full.

Should the debtor fail to satisfy the Judgment, the HCEO would attend the debtor’s business premises to demand immediate payment. If the debtor is unwilling or unable to make full immediate payment, the HCEO would seize goods to be sold at auction.


Late Payment LegislationOur PeopleOur CredentialsCase Studies

Da Feefo


Ouch! There was a server error.
Retry »

Sending message...

Quick Contact

Send us a message and we will get back to you within an hour.

Spam Prevention Question

10 + 10 =

Latest Recoveries

  • March 22, 2019

    £4,867.20 recovered in 3 days from a Bolton based Engineering Company on behalf of a Wolverhampton based Steel Fencing Manufacturer.

  • March 21, 2019

    2 invoices issued in January totalling £5,059.80 recovered and paid to a London Function Venue following a successful cost free to the creditor debt collection in 6 days.

  • March 20, 2019

    £9,224 and late payment charges of £701.08 recovered from a Borough of London Council following the late payment of care agency staff fees.

  • March 19, 2019

    £29,420 of overdue invoices collected and paid to a Bristol based Builders Merchant in the last 14 days.

  • March 18, 2019

    Insolvency proceedings result in the successful debt collection of £19,440 for a Manchester based Printing Company the day before the Winding up Petition was due to be issued in Court.

Latest News