Debt Recovery Unit

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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.

How we work with our clients:

We partner with our clients to help them achieve their long-term goals, put simply we will:

The Benefits of Using Spratt Endicott’s Debt Recovery Unit:

Our professional team will provide second-to-none expert legal advice to support your debt recovery needs.

Pre-Legal Collections

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.

Commercial Recoveries

Recovering debt from other businesses can be challenging. Our experienced commercial recoveries team offer flexible and cost effective solutions that help to protect your busines.

Consumer Debt Recovery

We are highly experienced in this area and have devised the most relevant, sophisticated and effective strategies for ensuring revenue streams are protected.

International Collections

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.

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.

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 our experience in credit management we can offer advice on all credit management issues for no extra charge.

In-House Workshops and Training

If you’d like to learn more, Spratt Endicott offer 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:

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:

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.

Why choose Spratt Endicott?

  • A comprehensive service: Our team use email, letter, telephone and SMS campaigns, including evening and weekend calls
  • Collect out service: Including assignment letters, demand letters, telephone collection service and full ledger collections
  • Tracing and negotation: We are able to trace debtors in the UK and overseas, and negotiate and monitor installments on your behalf
  • Full service support: We are a full range practice from pre-legal to contested recoveries, including enforcement of orders.
  • Commercial documents: We offer advice and a drafting service for both standard and bespoke legal document.s
  • Advice on client failure: We provide detailed advice and support when negotiating with insolvent debtors.
  • Transparency: We provide regular updatess on the progress of all matters, and clients receive access to our online portal with 24/7 access.
  • Reporting: We create bespoke reports based on the requirements of our clients
  • Futureproof your business: We provide our clients with a roadmap for future success by offering credit management advice, in house workshops, and training.

Consumer Credit Agreements

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:

Next Steps

Ready to instruct us? Follow one of the simple steps below to get in touch with us today.

Submit an Enquiry

Complete our online form to submit your enquiry today

Request a Call Back

Looking for more information? Request a call back from a member of our team today

Case Studies

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‘Spratt Endicott continue to exceed expectations. They have a very good success rate but more importantly provide good, honest advice and are always available should you need them. ‘
Legal 500 2020

Our People

  • Richard Gwynne
  • Director, Commercial Recoveries
  • 01295 204087
  • Email
  • Heather Jackson
  • Business Development Manager
  • 01295204151
  • Email
  • Martin Hughes
  • Consultant - Debt Recovery
  • 01295 204131
  • Email
  • Pete Gardner
  • Associate - Defended Commercial Recoveries Manager
  • 01295 204038
  • Email

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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 ​rgwynne@se-law.co.uk.

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