Debt Recovery

Secure Your Cash Flow. Protect Your Bottom Line.

Welcome to Money Claim Collections, your trusted partner in commercial B2B debt recovery. Unpaid invoices shouldn't stand in the way of your business's growth. We provide robust, efficient, and ethical debt recovery solutions designed to recover what you're owed while safeguarding your professional reputation.

Award-Winning Expertise You Can Trust

With over 15 years of industry experience, founder Jonathan Poulter and director Joe Kirby lead our team with a proven track record of securing outstanding commercial debt for businesses of all sizes. Based in Liverpool and recognised across regional media, including features in the Liverpool Echo, our commitment to excellence was recognised when we were awarded "Most Client-Focused Debt Collection Service 2024" at the SME News UK Legal Awards. We combine deep commercial insight with a results-driven approach to debt resolution.

What Our Debt Recovery Service Provides

We offer a comprehensive, end-to-end commercial debt collection service tailored to the unique demands of modern businesses:

Pre-Legal Recovery & Letters Before Action (LBAs): Strategic, assertive correspondence that prompts debtors to settle accounts quickly without escalating to court.
County Court & Legal Action: Seamless management of court claims, County Court Judgments (CCJs), and statutory demands.
Enforcement & Asset Tracing: Utilising expert tracing and enforcement channels to locate debtors and secure judgments.
B2B Commercial Expertise: Specialised focus on business-to-business debt, understanding commercial contract law, credit terms, and dispute resolution.

Why Every Business Needs a Dedicated Debt Collection Partner

Late payments and outstanding invoices are among the biggest threats to business stability. Having a professional debt collection partner isn't just a safety net. It's an essential pillar of a healthy financial strategy.

Protects Your Cash Flow: Cash is the lifeblood of any enterprise. When invoices go unpaid, working capital tightens, halting investments, hiring, and day-to-day operations. A dedicated collection partner ensures your revenue cycles remain smooth and predictable.
Preserves Business Relationships: Chasing late payments internally can create awkward friction between you and your clients. By acting as an external buffer, we handle the difficult conversations and persistent follow-ups, allowing you to maintain a professional rapport with your clients when accounts are eventually settled.
Frees Up Internal Resources: Chasing debtors takes valuable time away from your team. Instead of tying up your staff in administrative phone calls and stressful negotiations, outsourcing to specialists lets your team focus entirely on driving sales and growing your business.
Maximises Recovery Rates with Legal Compliance: Navigating commercial credit regulations and legal frameworks requires specialist knowledge. Attempting recovery without proper expertise can lead to compliance pitfalls or prolonged disputes. An experienced partner ensures every action taken is legally sound, significantly increasing your chances of a successful payout.

Explore Our Media and Insights

We also share professional advice, client success highlights, and helpful credit control tips on our successful Money Claim Collections YouTube channel.

Debt Recovery FAQs

What types of debt does Money Claim Collections recover?

We specialise in commercial, business-to-business debt: unpaid invoices and outstanding balances owed by one business to another. Our service runs from pre-legal recovery and Letters Before Action through to County Court claims, County Court Judgments (CCJs), statutory demands and enforcement.

What is a Letter Before Action?

A Letter Before Action (LBA) is a formal written demand sent before court proceedings are issued. It sets out the amount owed and gives the debtor a deadline to pay or respond. It is an expected pre-action step before most court claims, and in many cases it prompts payment without the need to go to court.

What happens if a debtor ignores a Letter Before Action?

If the debt remains unpaid, we can issue a County Court claim. If the debtor does not respond, a County Court Judgment (CCJ) can be entered against them and then enforced. For undisputed debts, a statutory demand can also be served, which can lead to a winding-up petition against a company or a bankruptcy petition against an individual.

Can I claim interest and compensation on a late-paid commercial invoice?

Usually, yes. Under the Late Payment of Commercial Debts (Interest) Act 1998, a business can claim statutory interest at 8% above the Bank of England base rate on late payments from another business, plus fixed compensation of £40, £70 or £100 depending on the size of the debt, unless the contract sets out different terms.