Rafferty A specialist firm. Nothing else.
We pursue one kind of matter: unpaid commercial invoices between UK incorporated businesses. We do it in a way that is accurate, proportionate, and quiet.
Why we exist
UK commercial debt recovery is split between aggressive body‑cam operators who embarrass a creditor in front of clients they may still have to work with, and faceless agencies with websites built in 2009. Neither appeals to the thoughtful managing director owed five or fifty thousand pounds by a customer who has gone dark. We were founded to occupy that gap.
Our method is a structured demand sequence, issued on our letterhead, under the Late Payment of Commercial Debts (Interest) Act 1998. The debtor is liable for our recovery costs, statutory compensation, and statutory interest. Our commission is no‑win‑no‑fee, tiered by the size of the debt, with statutory recovery costs applied against it. Most matters are settled inside six to eight weeks.
Registration
Incorporated in England and Wales. Company no. 12170936. Registered office in Covent Garden.
Data Protection
Registered with the Information Commissioner's Office. ICO registration ZB000000. UK GDPR compliant.
Professional Indemnity
£2 million cover maintained with a rated insurer. Renewed annually and disclosed to clients on request.
Client Money
Funds from debtors are received into a designated client account segregated from operating funds and held on trust pending remittance.
Panel Solicitor
Matters that are not settled within the demand sequence are referred, on written client authority, to our panel solicitor for litigation.
Professional Memberships
Credit Services Association membership in progress. Law Society listing on the Companies House record.
What we accept
We accept undisputed commercial debts owed by UK limited companies and LLPs, with a minimum balance of £2,500. We do not act on consumer debt, sole‑trader debt, or disputed debt of any kind. We have a hard rule against telephone harassment and a disciplined demand sequence. Discipline matters.
What we do not do
- Consumer debt collection of any kind.
- Sole‑trader and individual debtor matters.
- Disputed debts where the merits are genuinely contested.
- Buying debts or operating any form of portfolio acquisition.
- Telephone harassment, doorstep collection, or body‑cam theatrics.
How we work with you
You submit the invoice and the debtor's details through our intake form. We confirm whether we can act within twenty‑four working hours, without charge. If we proceed, Letter I is issued the same day. You are copied on all correspondence, consulted on escalation decisions, and remitted the principal within ten working days of cleared funds.
If you have a late‑paying customer whose invoice has been outstanding for sixty days or more, you already know the feeling: a knot in your cash flow, an awkward future conversation, and the sense that time is not working in your favour. Instruct us and the feeling goes away.
Let's recover it.
Submit the invoice. We will tell you within twenty‑four hours whether we can help, and confirm the applicable commission tier. No‑win‑no‑fee. If we don't recover, you pay nothing.
Submit a case