You pay when we recover – No setup fees – No up-front costs

The Cash Protection Agency has collected over £30 million since its establishment in 1993. The Midlands-based agency was started for those that needed help collecting on their debts.

You can call us today on 0800 433 4113 for free and impartial advice on how you can recover your money now.

Commercial debt recovery Lincoln

Most businesses have debtors largely because of invoices that have never been paid. Regardless of the reason for having debtors, you should be able to recover that money. Even though there is a fear for hiring debt collectors because of their high cost and reputation for intimidating debtors, you will find us very different.

We employ professional and diplomatic tactics to collect on your debts and we do our best to ensure that other than recovering your money, we maintain the relationships you have built with your customers. Over the years, we have been able to collect over £30 million for our clients. Most of them are now repeat clients that use our services on a regular basis.

Our debt collection service

Q: is it true that hiring a debt collection agency is very expensive?

A: It can be expensive because most recovery agencies have a high set up fee in addition to their recovery fees. Our fees are on a sliding scale and the age of the debt is usually the determinant. Also, we don’t have a set-up fee.

For the case of commercial debt, the cost of recovering the debt is collected from the debtor as per the EU late payment directive.

Q: Will my relationship with my customer be ruined because of your collection tactics?

A: Most clients believe this to be true but it is not.

We are always fair with debtors and employ professional and diplomatic processes to recover the money. Court action is also an option but usually comes about as a last resort because of the fear of debtors having to pay the additional cost of such processes. Instead, we advocate for clearing the payment or setting up a payment plan. If we have to use bailiffs, we only use those that have been recommended following the proceedings of the court.

Q: Is it possible to collect on an unpaid invoice that is more than 2 years old?

A: It is possible to collect on an invoice that is up to six years old. Any older than that, we will have to review the standing county court judgement. You can also reach out to us for enquiries and our team will be ready to help you with any questions.

Q: What if you fail to collect the debt?

A: Some debts might prove to be a handful despite our best efforts. Even though very rarely, in such cases we ask for a discontinuance fee from £85. We will also request for the same amount if you decide to stop the debt recovery process.

Q: what if we don’t have the current address of the debtor?

A: We have a tracing service. Together with our highly experienced and expert team of tracers, there is a very high chance that we will able to locate such people.

Our Charges

Aged debt up to 6 months: 15%

Aged debt 6 to 24 months: 17.5%

Aged debt 24 months plus: 25%

Minimum charge: £65- £200 dependant on debt value

Discontinuance fee: £85 – £200 dependant on debt value

Contact us now to get started:

[contact-form-7 404 "Not Found"]


Having used Cash Protection Agency since 2002, we have always found them to be effective and efficient. The debts we submit for collection services are almost without exception difficult, problematic, personal debt cases where we have exhausted all possibilities in-house, yet, Cash Protection Agency Ltd always rise to the occasion and their success rate has been high. Their staff are always courteous, helpful and professional, and work in the spirit of partnership with us providing good advice and support.

A Senior Finance Manager in an NHS Trust in the West Midlands