Personal Debt Recovery
If someone owes you money and refuses to pay, our personal debt recovery service can help. We support individuals across the UK in recovering personal debts, unpaid loans, money owed by friends or family, tenant rent arrears, and private agreements.
Recovering money from someone you know can be stressful, emotional, and uncomfortable.
Many people delay taking action because they do not want to damage the relationship. However, delaying too long can make the debt harder to recover.
Our personal debt recovery specialists can help recover:
Unpaid personal loans
Money owed by friends or family
Tenant rent arrears
Unpaid private agreements
Outstanding personal debts
Court judgments and CCJs
Money owed by former partners
Informal loan agreements
If you have evidence such as bank transfers, emails, text messages, payment records, or a written agreement, you may still be able to recover the money legally. Many people do not realise that personal debts can often be pursued for up to six years in the UK.
Our approach is discreet, professional, and fully compliant. We aim to recover money owed while reducing unnecessary conflict wherever possible. In many cases, a formal demand letter or Letter Before Action is enough to encourage payment before court action becomes necessary.
We can also assist with County Court claims, CCJ enforcement, and High Court Enforcement if the debtor continues to ignore requests for payment.
If someone still refuses to repay money owed, our debt recovery services and High Court Enforcement options can help you recover personal debts legally and professionally.
How the Debt Recovery Process Works
Step 1: Free Assessment
We review your debt, documentation, and recovery options.
Step 2: Recovery Strategy
We pursue payment through professional debt collection or escalation where appropriate.
Step 3: Outcome-Based Fees
Where applicable, you only pay when funds are successfully recovered.
