Debt Collection in UK.

At Byrival, we specialize in managing debt collection in UK, handling everything from simple unpaid bills to more complex legal situations. Our process often starts with issuing a ‘Letter Before Action’ (LBA), an effective and widely recognized step in the UK for initiating debt recovery. With an impressive 95% success rate in settling successful cases without the need for court involvement, we not only demonstrate our efficiency but also our focus on maintaining and preserving our clients’ business relationships.

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Service offering

No Cure = No Pay

Our 'no win no fee debt collection' policy guarantees that you do not incur any charges unless we successfully recover your debt. A commission fee is only charged in the case of a successful debt recovery. This fee, however, is often recoverable from the debtor, making our services essentially risk-free for you.

No Unexpected Costs

Our debt collection services have a straightforward fee structure, with initial charges of between €75 to €175. This approach ensures that you encounter no hidden fees or unexpected surprises. Our commitment to transparent and ethical practices is a reflection of our dedication to fair and compliant debt recovery, adhering to the highest industry standards.

Amicable Procedures

At our UK debt collection agency, our main objective is to secure amicable settlements, successfully resolving 95% of cases without the need for legal action. We adopt a respectful and communicative approach, focusing on negotiation to achieve outcomes that are agreeable to all involved parties.

Legal Support

At our debt collection agency in London, we partner with local law firms to handle undisputed debts efficiently, typically through summary judgments or statutory demands. For claims under £10,000, we use the small claims court process. For larger or disputed debts, our team expertly guides clients through the fast-track or multi-track court systems, ensuring the right legal approach for each unique case.

Travel to Collect

Our 'Travel to Collect' service includes UK cases, where our debt collection solicitors visit debtors either within the UK or abroad as needed. This hands-on method is particularly effective for swift and complex debt recoveries, adhering to local and international laws for professional and successful outcomes.

Personalised Service

For each case, our debt collection agency London team assigns a dedicated point of contact. This individualized approach guarantees you receive customized advice, regular progress updates, and a thorough understanding of your case's developments, ensuring you're well-informed at every stage.

Let’s start

Get your free consultation today.

Begin resolving your debt issues in the UK today. We are here to attentively listen, thoroughly understand your specific situation, and offer clear answers to all your questions.

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Our process

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In this initial phase of our debt collection in UK, we conduct extensive research using specific debtor databases. This includes Companies House for corporate details and financial history, and the Individual Insolvency Register for personal debt history. Additionally, we perform judgments and insolvency searches about the debtor, crucial for understanding their financial capability and tailoring our recovery strategy.


Efficient Collection

Our approach in this stage involves issuing a Letter Before Action (LBA), which clearly details the amount owed and a deadline for payment. We calculate any late payment fees in accordance with the company’s terms, ensuring they do not exceed the legal limit of 8% plus the Bank of England base rate. This approach aligns with the Late Payment of Commercial Debts (Interest) Act 1998 and the Late Payment of Commercial Debts Regulations 2013.


Case Initiation

Upon taking your case, we promptly issue the LBA within 48 hours. This step adheres to the guidelines set by the Financial Conduct Authority’s Consumer Credit Sourcebook (CONC), which stipulates ethical debt collection practices and debtor communication standards.


Amicable Recovery

If the initial LBA doesn’t prompt a response, we escalate with final notice and direct communication within the stipulated time frame of 8am-9pm on working days. In case of a dispute, collection efforts are paused to explore Mediation or Alternative Dispute Resolution (ADR) before considering legal proceedings.


Legal Recovery

Should our amicable efforts remain unanswered, we will proceed with appropriate legal action. Our debt collection solicitors are proficient in navigating through the UK’s legal system, including county court proceedings and enforced debt recovery methods like Statutory Demand and Third-party Debt Orders for complex cases. Our goal is always to achieve resolution while preserving business relationships, adhering to ethical and legal standards.



After successful debt collection in UK, we issue a commission invoice, with fees in accordance with agreed terms or legally permissible rates. In cases of non-recovery, we adhere to ethical standards and FCA guidelines, avoiding any practices that could be construed as harassment or abuse of the debtor’s rights.

Industries we operate in

At Byrival, our expertise as an international debt collection agency spans across various industries around the globe. Over the past 22+ years, we’ve built a wealth of knowledge in numerous sectors, thanks to our extensive and diverse clientele. Do you have cases outside these industries? No worries, we can still help you!


We collect debts worldwide.

Contact us to discuss your case.

FAQ on international debt collection

The UK debt collection laws are primarily governed by the Financial Conduct Authority (FCA) and the Consumer Credit Act. These laws set guidelines for fair and ethical practices in debt collection, ensuring that debtors are treated respectfully and not subjected to harassment or unfair treatment.

The European Small Claims Procedure provides an easier way to resolve cross-border small claims disputes within the EU for claims up to €5,000. However, post-Brexit, the UK is no longer part of this procedure. For small claims within the UK, the County Court handles such disputes typically involving amounts under £10,000.

Yes, foreign debts can still be collected in the UK after Brexit. However, the process might be more complex due to the UK no longer being part of certain EU judicial cooperation frameworks. Creditors may need to rely on separate international treaties or agreements that the UK is a part of, or on UK-specific procedures for international debt collection.

Debt collectors’ fees can vary widely. They often charge a percentage of the collected debt, typically ranging from 15% to 25%, depending on the complexity and age of the debt. Some may charge a flat fee or operate on a ‘No Win, No Fee’ basis, where they only charge if they successfully recover the debt. Please contact Byrival to ask about our commission fee rates.

A debt collection service specializes in recovering unpaid debts on behalf of creditors. They typically engage in activities like contacting the debtor, negotiating payment plans, and if necessary, initiating legal proceedings. Their goal is to recover the amount owed while adhering to legal and ethical guidelines.

Yes, debt collectors are legal in the UK. However, they are required to comply with the laws and regulations set by the FCA and other relevant bodies. This includes following ethical debt collection practices, respecting debtor’s rights, and not engaging in abusive or harassing behavior.

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