UK Commercial Debt Recovery Genuine No Win, No Fee
Recover unpaid UK business invoices with no setup fees or upfront recovery charges. We contact the debtor, negotiate payment and manage the recovery process while keeping you updated.
Free assessment No obligation to proceed UK business-to-business debts
Recover unpaid business invoices on a genuine no win, no fee basis
HK Commercial Debt Recovery helps UK businesses recover overdue invoices and other business-to-business debts when internal chasing has failed.
Every case starts with a free recovery assessment. We review the evidence, debtor position and commercial prospects, then explain the recommended route before any action begins.
- No recovery fee if no money is recovered
- No setup or administration fee for routine recovery work
- No formal legal escalation without your approval
Submitting details does not commit you to recovery action. We assess the case and explain the next step first.
We can assess your case if:
- The money is owed to your business by another business
- An invoice, account or contractual payment is overdue
- Your own reminders have not secured payment
- You have invoices, contracts, correspondence or other supporting evidence
- You need a commercial view before spending more time or money
Commercial debt recovery with interests aligned to yours
Our routine recovery service is structured around successful recovery rather than charging you simply for opening a file, sending letters or making contact attempts.
No recovery, no payment
No setup or administration fees for routine recovery activity. If we do not recover money, you do not pay our recovery fee.
We assess viability first
We review the debt, evidence, debtor status and realistic chance of recovery before recommending action.
Clear route and timescales
You receive a clear explanation of the likely stages, options and timescale before stronger action is recommended.
No chasing for updates
We explain what has been done, what the debtor has said and what we plan to do next.
Know whether recovery is worth pursuing before committing
Not every debt is commercially worth pursuing. If the prospects appear poor, we will be direct rather than encourage unnecessary action.
Is payment realistic?
We assess the debt age, debtor behaviour, dispute position, previous chasing and the strength of the available evidence.
Can the debtor pay?
We consider company status, trading activity, potential assets, signs of distress and available recovery opportunities.
What should happen next?
We explain whether negotiation, formal demand, court action, enforcement, insolvency action or no further action is most appropriate.
A smaller debt with clear evidence and an active debtor may be more viable than a larger debt involving insolvency concerns, missing documents or a genuine dispute.
How HK compares with a typical debt recovery agency
Debt recovery providers do not all operate in the same way. Features, fees, communication standards and escalation options can vary. HK brings the following elements together within one structured UK commercial debt recovery service.
Clear stages before stronger action is taken
This roadmap explains how a case may progress if ordinary recovery activity does not produce payment.
Assessment
We review the debt, debtor, evidence, dispute position and likely prospects.
Business debt recovery
We contact the debtor, seek payment and negotiate where appropriate.
Formal escalation
Formal demands, statutory demands or court proceedings may be considered.
Enforcement or insolvency
High Court Enforcement or insolvency-related options may follow where suitable.
We set out the proposed route, likely timescale, expected cost and any available funding arrangement before formal action begins.
Clear communication throughout the recovery process
You should not have to chase for information while we are chasing your debtor.
What we have done
Recovery activity, contact attempts, correspondence and any escalation steps.
What the debtor has said
Responses, disputes, payment proposals, promises to pay or lack of engagement.
What happens next
The next planned action and whether stronger recovery options are being considered.
Commercial debt recovery services for unpaid UK business debts
Each case follows a strategy based on the debtor, the evidence and the realistic chance of successful recovery.
Unpaid invoices and overdue accounts
Direct recovery action for unpaid business invoices and overdue commercial accounts, including debtor contact, settlement discussions and payment-plan negotiation.
Formal recovery action
Letters Before Action, Statutory Demands and County Court Claims where appropriate.
When stronger action is needed
High Court Enforcement, Winding-Up Petitions and insolvency-related recovery options where suitable.
Not sure which recovery route is appropriate?
Use our practical tools to understand whether the debt may be suitable for formal recovery, court action, enforcement or insolvency-related escalation.
Is this debt worth pursuing?
Check whether the debt appears commercially viable before committing time or money.
Which route should I use?
Compare negotiation, formal demand, court action, enforcement and insolvency-related options.
Can I recover more than the invoice?
Check whether statutory interest and fixed compensation may be recoverable.
How long could recovery take?
Build an indicative timeline based on the likely recovery stages.
What clients usually want to know first
Will I pay anything if nothing is recovered?
No. Our general collections service is handled on a genuine no win, no fee basis. If we do not recover money, you do not pay our recovery fee.
Do you fund legal escalation?
Some formal steps may be funded on qualifying cases. We explain what is included, any conditions and any potential cost before you proceed.
Do you charge setup or administration fees?
No. Our routine recovery service is not based on charging for setup, administration or every individual recovery step.
What happens before action starts?
We assess the debt, available evidence, debtor position and likely recovery prospects before recommending the most suitable next step.
Will you start legal action without approval?
No. We explain the proposed route, likely timescale and any cost before formal action is taken.
How will I know what is happening?
You receive updates covering action taken, debtor communications and the next planned step.
Could recovery action damage the customer relationship?
Recovery is handled proportionately and professionally. We can begin with firm but commercially measured contact, while keeping stronger formal options under review rather than using them automatically.
What documents should I provide?
Useful evidence may include invoices, contracts or terms, purchase orders, statements, delivery records and correspondence. Submit what you have; we will identify any important gaps during the assessment.
How long could business debt recovery take?
Timescales depend on debtor engagement, disputes, court stages and enforcement. Use our business debt recovery timeline planner for an indicative guide.
Professional commercial debt recovery, backed by credit expertise
Your case is handled using practical commercial credit, collections and legal-recovery experience, with the route selected according to the evidence, debtor position, likely return and proportionality of further action.
Recovery capability
- Business debt recovery
- County Court Claims
- High Court Enforcement
- Insolvency-related routes
Professional standards
- CICM-qualified expertise
- ICO registered
- Professional indemnity insurance
- Public liability insurance
Client safeguards
- Free assessment before action
- Costs explained before escalation
- No formal action without approval
- Direct advice where recovery is not viable
What happens when a debt is submitted?
This explains what you can expect from the initial submission through to recovery and payment.
Submit your debt
Provide the key debt details and upload any supporting documents you currently have.
Case assessment
We review the evidence, debtor position and likely recovery prospects, normally within one working day.
Recommendation
We explain the most suitable next step before action begins.
Recovery action
We contact the debtor, negotiate payment and escalate where justified.
You receive payment
Recovered funds are remitted to you, with commission deducted only on successful recovery.
Useful debt recovery pages and tools
These pages help you understand the available routes before deciding what action to take.
Decision pages
Find out whether your business debt is recoverable
Submit the key details for a free, no-obligation assessment. We will review the case and explain whether recovery appears viable before you authorise any action.
Submit a Debt for Assessment Call 0330 043 6152