Construction
Main contractors squeezing subcontractors. Retention monies. Pay‑when‑paid clauses. The Construction Act 1996 sits alongside the Late Payment Act for these matters.
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Sectors we work with.
UK late‑payment problems are not evenly distributed. Some sectors absorb most of the damage. We pursue commercial debt across the kinds of business where late payment is endemic, and the patterns are predictable enough to recover at scale.
IT services and SaaS
Subscription invoices, implementation fees, SOWs, service credits used as payment leverage. The contractual structure is where leverage lives.
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Marketing and creative agencies
Subjective deliverables, slow retainer payment, "we don't love it" as a delay tactic. Creative work invites disputes; the recovery sequence pre‑empts most of them.
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Recruitment
Placement fees, refund clauses, performance disputes raised after invoice. The contract terms drive most of the recovery strategy.
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Sectors we do not service
We do not act on consumer debt, sole‑trader debt, or debts where the counterparty is an individual rather than an incorporated entity. The Late Payment Act applies only to business‑to‑business commercial debts; consumer protections under the Consumer Credit Act and the Consumer Rights Act apply to retail debts and create entirely different procedural rules. Recovery firms that act on consumer debt are subject to FCA authorisation; we are not, by design.
We also decline matters where the counterparty is a partnership of individuals (rather than a Limited Liability Partnership), where the debt is genuinely disputed on substantial grounds, or where the debtor is in formal insolvency. See our About page for our full terms of practice.
Or instruct us on the matter.
We assess every instruction within twenty‑four working hours, regardless of sector. Sector knowledge informs the strategy; the underlying mechanics are the same.
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