Debt Recovery Services

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

Established for over 20 years, our debt recovery agency department is proud to be ranked in Tier 1 in The Legal 500 UK 2019 for the South East, well known in Oxfordshire, Buckinghamshire, Northamptonshire and Bedfordshire. At all times we strive to provide the highest levels of client service and debt collection rates as well as in other departments of legal commercial services.

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

Our Debt Recovery Services

Pre-Legal Legal International Contested

Our specialist collectors will contact your debtors by telephone, e-mail, text or letter until such time as the debt is paid. If no collection is made then we make no charge.

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For undefended cases we are able to issue proceedings, obtain a Judgment and thereafter implement enforcement at previously agreed fixed fees.

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Our international debt recovery service is offered on a no win no fee basis, (excluding disbursements), at an agreed percentage rate depending on where your debtor is in the world and the age of the debt.

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We have a team of specialist lawyers which handles the defended debt recovery. Defended debt recovery refers to the service that deals with debt recovery claims that are disputed by the party that receives the claim.

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Our Unique Outlook on Debt Recovery 

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. The majority of our personnel have a high level of credit control experience, in addition to their legal qualifications, ensuring you’re getting a reliable service.

Credit management advice

Spratt Endicott’s experience with a diverse range of clients means that we’re able to respect and appreciate that each business has its own unique way of operation. Thanks to the backgrounds in credit management of Martin Hughes and Steve McDonnell we can offer advice on all credit management issues. These services are carried out free of charge.

Our approach to 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

Services offered by Spratt Endicott

  • 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
  • Established debt recovery in Bicester, Brackley, Buckingham and Banbury, providing debt recovery services nationwide.

As a client you will get…

  • 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

Read our Debt Recovery brochure here:

In-House Workshops and Training

If you’d like to learn more, Spratt Endicott offer fantastic, bespoke in-house training services for those clients that would like training in credit control and credit management. This can be provided either as a workshop or as a one-to-one training session.

Training is also available in all aspects of debt recovery, including:

  • Legal entities
  • Court procedures
  • Insolvency

The courses vary from a complete overview of the legal process to sessions on individual topics.

Consumer debt recovery

Spratt Endicott will be with you every step of the way of the debt recovery cycle, beginning at initial approach, right through to litigation. We are highly experienced in this area and have devised the most relevant, sophisticated and effective strategies for ensuring revenue streams are protected. Representing clients professionally and with the utmost integrity is absolutely key to our debt recovery approach. We aim to:

  • Target client satisfaction
  • Protect our client’s interests
  • Focus on accurate resolution

Our experienced and motivated debt collectors always handle this particular area of debt recovery with sensitivity, aiming to find proactive solutions - applying a strict Treat Customers Fairly policy.

The benefits of the Spratt Endicott debt recovery service

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

Consumer Credit Agreement

Spratt Endicott’s finance team work to collect outstanding monies under Consumer Credits Agreements, which take both pre-legal and legal processes.

As an example of improving collections, we agreed with one of our high street bank clients to apply for charging orders over their debtors’ property. This resulted in millions of pounds of unsecured debt being secured, which in turn has been reflected in very substantial sums being paid when the property is sold/ re-mortgaged.

Spratt Endicott also act for large payroll departments who have to collect monies under CCA from ex-employees, under the governments “Learning for All” and “Bike to Work” schemes. We also act for companies within the telecommunication and other industries who have CCA’s.

Factoring and invoice discounting clients

We also act for a number of financial institutions, which specialise in factoring and invoice discounting. This work includes:

  • Indemnifier/guarantor actions where the client is unable to recover monies due to them from collections on the ledger.
  • Issuing proceedings against customers on behalf of our client in respect of invoices which are assigned to them.
  • Where required, we will undertake both pre-legal and legal collections.
  • Sending out letters to customers, letting them know the extent of our client’s involvement. If the customer ignores instruction and sends their payment directly to the supplier, then Spratt Endicott may send a second letter.

Getting in touch

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


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