Frequently Asked Questions

We operate on a genuine no win, no fee basis. No setup fees or administration fees apply. Commission rates are agreed before any recovery action commences.

If we do not recover money from the debtor, no commission is payable to us.

Qualifying cases may benefit from funded recovery action, including final demands, statutory demands and County Court claims. Funding is assessed on a case-by-case basis and offered at our discretion.

We specialise in the recovery of business-to-business debts, including unpaid invoices, overdue accounts, contractual debts and commercial payment disputes.

Typically, we will require:

• A copy of the unpaid invoice or invoices
• Statements of account
• Relevant contracts or agreements
• Correspondence with the debtor
• Any other documents supporting the debt

We aim to review all new instructions within one working day of receiving the required information.

Every case is different. Some debts are recovered within days, whilst others may require legal action and take longer. We will keep you informed throughout the recovery process.

We will assess the debt, review the supporting documentation and discuss the most appropriate recovery options before taking action.

Potentially. We will assess the nature of the dispute and advise whether recovery action remains appropriate.

No. Legal action will only be recommended where appropriate and will never be commenced without your approval.

We may request a signed Authority to Act or other supporting documentation before commencing recovery action.

You must notify us immediately of any payment received directly from the debtor. Commission may still be payable where payment results from our recovery activity.

Yes. We can receive payments from debtors into our designated account and remit cleared funds to you after deducting any agreed commission and recoverable costs.

We currently focus on business-to-business debts involving businesses operating within the United Kingdom.

Yes. HK Commercial Debt Recovery maintains Professional Indemnity and Public Liability Insurance.

Simply complete our online debt submission form and provide the relevant supporting documentation. We will review the matter and contact you to discuss the next steps.