Consumer Debt Recovery

What are Spratt Endicott’s Main Aims of 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.

What about 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:

  • 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 at our Banbury offices on 01295 204087 or email

Our Team