Expert Debt Recovery That Protects Cashflow and Relationships

Unpaid invoices drain cashflow, tie up staff time and stall growth. As a full-service debt collection agency, Legal Recoveries & Collections (LRC) delivers compliant, sector-specific solutions—whether you need a quick pre-legal nudge or full High Court enforcement. Our SRA-regulated solicitors and in-house credit-control specialists act as an extension of your team, protecting relationships while maximising recovery.

Why choose LRC as your debt collection partner?

  • End-to-end service – tracing, pre-legal calls, solicitors’ letters, litigation & enforcement under one roof
  • Sector specialists – dedicated teams for commercial, consumer, utilities, healthcare, food distribution, recruitment & more
  • Transparent pricing – fixed-fee letters or success-based commission; no hidden extras
  • Regulatory peace of mind – SRA, FCA and ISO 27001 compliance plus GDPR-aligned processes
  • Real-time reporting – 24/7 Debt Manager portal tracks every action & payment

Debt Collection Agency UK

Operating nationwide, LRC combines local field agents with cutting-edge digital tools. Whether your debtor is in London, Leeds or Lerwick, we can issue Letters Before Action, arrange County Court Judgments (CCJs) or transfer high-value cases to the High Court for swift enforcement.
Key UK services

Stage Typical timeline Outcome
Pre-legal collections 7–14 days Payment or plan agreed
Letter Before Action 48 hours Statutory 14-day warning
CCJ issuance 4–6 weeks Judgment recorded & interest accruing
High Court Enforcement 7 days from writ Seizure, repayment or charge

 

Learn more about our Pre-Legal Debt Recovery process.

Our sector-by-sector expertise

  1. Commercial & B2B – bespoke strategies to protect trading relationships while enforcing contractual terms.
  2. Consumer credit & retail – FCA-aligned scripts that maintain brand reputation.
  3. Utilities & energy – volume collections using automated data feeds and field visits.
  4. Healthcare & NHS – sensitive recovery of treatment fees and salary over-payments, preserving patient trust.
  5. Food distribution – rapid action to keep supply chains moving; see our food sector page.
  6. Recruitment agencies – chasing placement fees and temp invoices without damaging client goodwill.
  7. Legal & professional services – discreet collections that protect reputational value.

Explore our full list of sector pages.

Debt Collection Agencies vs. In-House Recovery

In-House Outsourced to LRC
Staff pulled from core duties Specialists handle full casework
Limited credit data access Advanced tracing & asset reports
Potential compliance risk SRA & FCA regulated processes
Single geographic reach National coverage, global tracing

 

Outsourcing frees your team to focus on revenue-generating work while we convert aged debt into cash.

Technology-driven, people-led

  • Debt Manager portal – upload cases, watch activity logs and download MI dashboards.
  • AI-enabled trace – cross-matches 200+ data sources to locate absconded debtors.
  • Secure payments – compliant card, Open Banking and payment-plan options.
  • Client services team – named account manager plus solicitor support for complex disputes.

How our process works

  1. File your case online – 5-minute form or secure API feed.
  2. Pre-legal contact – courteous letters, calls and SMS to prompt settlement.
  3. Legal review – our solicitors assess prospects and advise costs.
  4. Court action – if required, we issue a claim or statutory demand.
  5. Enforcement & monitoring – High Court Enforcement Officers, charging orders, attachment of earnings or winding-up petitions.
  6. Case closed – funds remitted daily; full audit trail stored for six years.

Featured Customer Reviews

Debt Collection Agencies – Frequently Asked Questions

A modern agency like LRC manages every stage of the recovery lifecycle on your behalf. That includes debtor tracing, credit-status checks, pre-legal communication, formal Letter Before Action drafting, litigation through the County Court or Insolvency routes, and enforcement via High Court Officers. Throughout, we act within FCA, SRA and GDPR frameworks to protect your brand and maximise the net amount collected.

Yes. UK agencies must comply with regulations such as the Financial Services and Markets Act for consumer cases and the Solicitors Regulation Authority for legal work. Reputable firms follow OFT guidelines (now adopted by the FCA) that prohibit harassment and ensure fair treatment. Choosing an SRA-regulated practice like LRC guarantees full legal compliance and professional indemnity insurance.

Costs vary by size, age and complexity of the debt. We offer two transparent models: fixed-fee Letters Before Action (from £7 + VAT) and commission-based recovery where we charge a percentage of sums collected. All disbursements (e.g., court fees or High Court writ fees) are agreed in advance and, wherever possible, reclaimed from the debtor.

Not when handled professionally. Our “firm-but-fair” approach stresses dialogue first, with litigation only when necessary. Scripts are tailored to industry norms—for example, softer language for healthcare patients versus robust prompts for commercial debtors—maintaining goodwill while asserting your rights.

Pre-legal efforts often secure payment within 14 days. Litigated claims typically resolve in 4–12 weeks, depending on court workloads and debtor response. Enforcement can extend timelines, but our asset-trace reports ensure we target recoverable debts only, minimising delay.

Yes. Through a network of vetted overseas partners we trace and pursue debtors globally, applying local statutes while coordinating strategy from the UK. This ensures seamless reporting and a single point of contact for you.

A copy of the invoice or statement, any signed contract or purchase order, records of prior chase attempts and debtor contact details. Uploading PDF evidence on Debt Manager speeds verification and strengthens any future court claim.

Absolutely. Our healthcare and public-sector teams specialise in recovering salary and stipend over-payments for NHS Trusts and universities, balancing sensitivity with fiscal responsibility.

We file Proof of Debt forms, liaise with Insolvency Practitioners and, where appropriate, challenge preferential payments or misfeasance. Our aim is to secure the highest dividend while exploring director-guarantee enforcement if available.

Log in to the Debt Manager portal 24/7 for real-time notes, payment statuses and document downloads. Automated email alerts flag key milestones such as payment plans agreed, court dates and enforcement actions, giving complete transparency.

Get in Touch with Us

If you have any questions about our service or would like to discuss your matters with us in greater detail, please contact the Business Development Team on 0330 024 6342