Debt Recovery

Debt Recovery

No up-front costs, no set-up fees – you pay when we recover the debt

The Cash Protection Agency are a UK-wide debt recovery company who can help you recover your debts. We have recovered over £30 million in outstanding debts and have been trading since 1993. We do not charge up-front fees and we work with a large number of businesses, small & large to help them get their invoices paid & their debts collected.

Call us on 0800 433 4113 for free, impartial advice on how to recover your debt now

How We Can Help with debt recovery

Our Debt Recovery Service

It’s not unusual for a business to be faced with unpaid invoices, whether it’s due to being a little too lenient with the debtor, not having the time to spend chasing customers or just sheer bad luck. It’s also not unusual for businesses to be concerned about using a debt recovery services through fears of high costs or the customer relationship breaking down.

We work hard to ensure that we recover your monies from the debtor where possible whilst maintaining a professional and diplomatic approach. Since 1993, we have successfully recovered over £30 million in unpaid debts for our clients, many of whom now use us on a regular basis to chase unpaid invoices on their behalf.


Frequently Asked Questions

Q: I’ve heard it’s expensive to use a debt recovery agency, surely it’s better to just write off the debt?

A: Some debt recovery agencies will charge large setup fees in addition to their recovery fees. We do not do this, our fees are on a sliding scale dependant on the age of the debt and there is no setup fee when you pass the debt to us.

Often, in the case of commercial debt recovery we are able to recover our costs from the other side thanks to the EU Late Payment Directive.

Q: Debt recovery agencies use dodgy bailiffs to harass customers, you’ll ruin the relationship between my business and the customer won’t you?

A: This is something that we hear all too often and it is completely wrong!

We only use court approved bailiffs following court proceedings as an absolute last resort. But it is very rare that action through the courts is required as the fear of having to pay additional court costs will often push the debtor to either pay in full or to set up a payment plan. We pride ourselves in being firm but fair with debtors, working hard to try and maintain a good relationship with them where we can.

Q: The invoice should have been paid 2 years ago; it can’t be recovered now can it?

A: It is possible to pursue a debt for up to 6 years after it became overdue, and possibly even longer dependent on a number of factors such as outstanding County Court Judgements. If you aren’t sure whether or not you’d be able to pass your debt to us to recover, give us a call or fill out the enquiry form and one of our experienced team members will be able to give you the advice you need!

Q: What happens if you can’t recover the debt?

A: Very occasionally, despite our best efforts it simply isn’t possible to recover your monies for you. We don’t operate on a no-win no-fee basis because this results in a higher fee when debts can be recovered. In these cases, we request a discontinuance fee from £65 to cover the cost of the work that we will have carried out trying to recover your money. The same fee applies if you decide, for whatever reason, to stop the collection process.

Q: What happens if the debtor has moved without passing on their new contact information?

A: We offer a tracing service which can help us to locate the debtor. We work closely with a team of expert tracers who are all highly experienced professionals meaning that we have the best possible chance of finding the individual. Find out more about our Tracing service here.


How We Work

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: £65 – £200 dependant on debt value

Contact us now to get started with debt recovery:

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NHS 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


George Dryden Professional Writing Services Dear Cash Protection Agency,

I know we’re not out of the woods yet, but I wanted to thank you so much for the amount of effort you have already put into helping me recover a debt from a client.

Your enthusiasm never wavers, and you’re always there with professional yet friendly advice and that all-important female trait-empathy!

Being owed money for no good reason is a horrible feeling- you’ve all made me feel supported, most importantly- not alone against the enemy.

Here’s to the three most awesome, lady-like rat-catchers I know!

Thanks so much!

George Dryden
George Dryden Professional Writing Services


Millstone & Lansdowne Day NurseriesWhat can we say about The Cash Protection Agency?

In all the years we have dealt with The Cash Protection Agency we have found them to be very pleasant, professional and dedicated to helping us with collecting our outstanding accounts. Their predominately female team never give up!

We are only too pleased to recommend their services.

Jim Stafford
Millstone & Lansdowne Day Nurseries


Guardian Finance Ltd We have used the services of The Cash Protection Agency Ltd for the past 14 years. Throughout this time we have found them to be efficient, professional and helpful. We would certainly commend The Cash Protection Agency to any organisation seeking assistance with debt recovery.

Guardian Finance Ltd


Macc UK LtdIt is a pleasure having to work with a professional team like the one from The Cash Protection Agency, I get good results on all the files I am sending to The Cash Protection Agency.

Claire Ceruti
Office Manager
Macc UK Ltd


Brooksure Commercial Insurance LtdWe have sent a number of cases to you, some small & some large. We are particularly impressed in the way you take the stress out of debt collection & the professional approach your team have in resolving issues especially in cases where the debtor things that they have slipped the net. Our debt to you if far greater than the debt you have recovered but please keep the cheques coming in!

Andrew Shore
Managing Director
Brooksure Commercial Insurance Ltd


Simply Training & DevelopmentWe moved our debt collection process to Cash Protection Agency after some bad experiences with other credit collection companies. The Cash Protection Agency have been consistently effective in collecting the debt (plus charges). They keep the process simple, providing easy-to-understand information and support throughout the process. Their charges are very reasonable too. The fact that they are connected with Edward Hands & Lewis Solicitors means that it is easy to access legal expertise where necessary. We would recommend them to anyone.

Kate Jennings
Managing Director
Simply Training & Development


Jay Webb Consultancy Services LtdIt is never easy to decide to pursue a claim for non-payment of invoices. However, it is so reassuring to know that we have such a professional organisation… who diligently pursue these issues on our behalf. Not only did the client play the full amount straight away when they had previously said that they were paying nothing, they sent a sincere apology for the delay in payment and “the misunderstanding” and the also wished us well for the future. If you can recover a debt and still remain friends what more could you ask for in life?

Jay Webb
Managing Director
Jay Webb Consultancy Services Ltd


Blaby Electrical & Blaby Alarms LtdWe have used the debt collection services of The Cash Protection Agency since they began back in 1993. They are a professional, helpful team that provide the back up when a client doesn’t pay. They are able to trace a debtor that leaves without a trail and then continue with the effective collection of outstanding monies. We have on occasion used their credit check services and these are very helpful in the decision of what credit limit to give, if at all.

Tony Smith
Managing Director
Blaby Electrical & Blaby Alarms Ltd