Debt Recovery Services

Who are we?

Spratt Endicott’s Commercial Debt Recovery department, based in Banbury, acts for a wide variety of businesses, from financial institutions to multinationals, sole traders and local authorities. We have clients throughout the UK and also engage in international debt recovery.

Established for over 20 years, our debt recovery department is proud to be ranked in Tier 1 in The Legal 500 UK 2019 for the South East. At all times we strive to provide the highest levels of client service and debt collection rates.

We pride ourselves on having a unique outlook on debt recovery here at Spratt Endicott, dealing with matters as an extension of our client’s own credit control departments.

All work in our Debt Recovery Department is supervised by Richard Gwynne, Director and Head of the Commercial Recoveries Department.

Why would you outsource your Debt Collection?

  • You might have a lack of internal resources to perform debt recovery effectively
  • Hiring a professional debt collection agency will give you access to specialist skills and technology
  • Your valuable time can be put towards helping your business grow, rather than recovering debt
  • A debt collection agency can ensure that a clear message is sent to customers that late-payment will not be tolerated

How do we approach Debt Recovery?

In our approach to debt recovery, we will:

  • Help identify your objectives
  • Find the best way for you to achieve them
  • Keep you informed at all times

What do you get as a client?

As a client you will get the choice of our full list of services, which are as follows:

  • Drafting and advising on both standard and bespoke commercial documents
  • A full debt recovery service to include both pre-legal and legal collections
  • Contested debt recovery
  • Enforcement and Insolvency proceedings
  • Details advice on any issues pertaining to insolvent clients/ client failure
  • Collect out service – to include assignment letters/ demand letters/ telephone collection service/ full ledger collections

In addition, we will also provide you with:

  • Free web access to your matters, 24/7
  • The facility to give new instruction
  • Leave instructions on current matters
  • Access to both standard and bespoke reports

How can the Spratt Endicott Debt Recovery Service benefit you?

With the client being our main priority at all times, we want to ensure that you benefit as much as possible from our services. The Spratt Endicott pre-legal, no win no fee consumer service offers the following:

  • No win no fee
  • Multiple letter campaign
  • SMS & email campaign
  • Telephone recording
  • Online access
  • Instalment negotiation and monitoring
  • Day, evening and weekend calls
  • Legally trained collectors
  • Full litigation service
  • Dispute resolution
  • Pre-sue reporting service
  • Trace service
  • Full reporting and updates

Please click the image below to read our Commercial Debt Recovery brochure:

Getting in touch

To learn more about how our Commercial Debt Recovery service can help your business, please contact ​Richard Gwynne at our Banbury offices on 01295 204087 or email

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