Cash Protection Agency is a Midland-based company established in 1993 with the aim of helping clients recover debts. To date, we have been able to collect in excess of £30 million in outstanding debts.

If you would like to know how you can recover your debts today, reach us on 0800 433 4113.

Commercial Debt Recovery Norwich

Unpaid invoices are part of any business and there are a number of reasons that can lead to this among them being client leniency and lack of ample time to chase the debtors. Despite the crippling nature that such debts can have, most businesses are still hesitant to hire a debt collection agency because of the high costs and risk to customer relations.

Since CPA was established in 1993, we have helped our customers recover in excess of £30 million in debts. Our professional and diplomatic approach ensures that we not only recover the debts but also leave your credibility to your customers untouched. With this approach, we have been able to get a lot of repeat customers.

Our Debt Collection Service

Q: Instead of using your expensive service, is it not better to write off the debt?

A: Most debt collection agencies have a set-up fee that is charged on top of the fee for recovering the money. This is what makes most debt collection agencies expensive. This is not the case with us. We use a sliding scale that relies on the age of the debt and there are no upfront costs which make us affordable and easier to work with.

If the debt is commercial based, our cost of recovery is paid by the debtor because of the EU late payment directive.

Q: Will my customers be harassed by your dodgy bailiffs?

A: We only use bailiffs in cases where court action is necessary. If we do have to use bailiffs we only use County Court bailiffs or High Court Sheriffs. This ensures that your customers will be treated fairly. Furthermore, most debtors prefer to settle a debt out of court to protect themselves from the added costs of the court process.

Q: I have an invoice that should have been paid two years ago. Is it possible to collect on it?

A: Yes. You can collect on invoices that are up to six years old if you have been actively chasing the invoice during this time. If the invoice is older than six years, you might want to refer to the county court’s judgement on the same. You can also reach out to us on any clarifications on the possibility of a debt recovery.

Q: Are there cases where you have failed to collect a debt?

A: There are isolated cases where we have failed to collect a debt despite our best efforts. In such cases, we will only ask for a small discontinuance fee to help cover our costs in the recovery process.

Q: Will you help to locate the debtor if I do not have the contact information?

A: Other than a debt collection service, we also have a tracing service where we work closely with expert tracers that can help you locate the debtor and the chances for success are very 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

Contact us now to get started:

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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