Cash protection agency is a Midlands based debt collection agency that was established in 1993. To date, it has helped its clients recover in excess of £30 million in outstanding debts.

With our services, there are no upfront costs, no setup fees and you will only pay when we recover.

For more information on how you can recover your debts, feel free to call us today on 0800 433 4113.

Commercial Debt Recovery Manchester

Having unpaid invoices is part of any business. There are a number of different reasons that can foster such a culture such as client leniency, or lack of time to chase debtors. There is no question that the unpaid dues can be crippling to a business but still, most businesses are still sceptical about hiring a debt collection agency perhaps because of the fear of breaking down customer relations or the high costs.

Over the years since 1993 when we were first established, we have assisted our clients to collect in excess of £30 million in debts. Our professional and diplomatic approach help recover debts ensuring no damage to the customer relations and you still get your debts cleared. Most clients have now used our services regularly.

Our Debt Collection Service

Q: Your service is too expensive. Is it not better to write off the debt?

A: With most debt collection agencies, their services come with a set-up fee. This adds up to the total cost of recovering the money. In our case, this does not happen. We don’t have a set-up fee when the debt has been passed on to us. We employ a transparent sliding scale that is transparent and independent of the age of the debt.

For the commercial debt recovery cases, our cost of recovery is cleared by the debtor because of a late payment directive by the EU.

Q: Won’t my customers be harassed by your dodgy bailiffs?

A: There are some unfortunate cases in which this has happened elsewhere, but these situations have not happened with us.

We only use bailiffs when we are left with no other option but court action. In most cases, this is the very last resource because the debtors don’t like having the cost of this process added to the overall debt. In the event that we have to use bailiffs, this is why we only use County Court bailiffs or High Court Sheriffs and during any search process, we do our best to ensure that we don’t damage your credibility with your customers.

Q: Can I collect on an invoice that should have been cleared over two years ago?

A: You can collect on invoices that are up to six years old. In case the invoice has been overdue for longer than this, you will have to refer to your county court’s judgement on the same. Alternatively, you can also reach out to us for assistance.

Yes, you can collect an invoice that was from over two years ago. In fact, we recover invoices from up to six years if you have been chasing up the payment during this period.

Q: What if you can’t collect a debt?

A: There are instances where collecting a debt becomes impossible despite our best efforts. If such a scenario arrives in your case, we will only ask for a small discontinuance fee to cover some of our costs.

Q: The debtor moved and did not pass the new contact information. What now?

A: With our debt collection service, we also offer a tracing service along with very experienced tracing experts. The possibility of being able to locate such individuals is high.

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

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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