Compare UK debt recovery agencies

Tell us what you are owed, who owes it and where they are. We show you vetted UK debt collection agencies that genuinely handle that kind of case, side by side, with their names hidden until you pick one.

What you need to hand

Four things: roughly how much is outstanding, what the debt is (an unpaid invoice, commercial or residential rent arrears, a judgment the debtor is ignoring, a consumer account), whether the debtor is a business or an individual, and where in the UK they are based. If you would rather not fill in a form, you can describe the situation in a sentence and let it fill the answers in for you to check.

The debtor's location matters more than yours. It decides which agencies actually cover the case and, if the debtor is in Scotland or Northern Ireland, which legal system applies. A creditor in Cornwall can perfectly well instruct an agency that works Glasgow cases.

Why agency names are hidden

You see fee model, specialisms, minimum debt value, years trading and independently sourced ratings before you see who anyone is. That is deliberate. It means no agency can win your instruction on brand recognition or marketing spend, and none of them can pay us to sit higher up your list. Names, logos, full profiles and direct contact details are released at the moment you choose, and only to you and the agency you picked.

What it costs you

Nothing. Comparing is free, and it stays free if you look at your options and walk away. We are paid a one-off introduction fee by the agency you choose, on a published scale banded by the size of the debt. That fee is fixed when the introduction happens: it does not grow with what the agency recovers, so we have no interest in steering you toward a more expensive route. Whatever the agency charges you for the recovery work itself is agreed directly between you and them, before you instruct.

Before you compare

On a commercial debt it is worth knowing your number first. The free late-payment calculator adds statutory interest at 8% plus the Bank of England base rate, plus the fixed compensation of £40, £70 or £100 per invoice, and generates a letter before action you can send yourself. Plenty of debts are paid at that stage. If you would like to read up first, start with how comparing works, the creditor FAQ, or the comparisons by debt type and region.

General information, not legal advice. England and Wales unless stated; Scotland and Northern Ireland have their own procedures.

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