Companies House ID Verification and Hidden Controllers
An unpaid invoice becomes harder to recover when the person calling the shots is not the named director. A nominee arrangement can also distance the trading business from the hidden controller with real influence. Companies House reforms under the Economic Crime and Corporate Transparency Act support wider corporate transparency and efforts to reduce financial crime. […]
RM6402 Debt Framework: What Recovery Firms Should Expect
Public-sector collections are moving toward a model where the prime contractor controls the service design, supplier panel, data flow, and performance oversight. If you lead a private recovery firm, the RM6402 debt framework deserves close attention because it may change how you access major government debt portfolios. The opportunity is substantial, but so is the […]
The £200 Fee and £1,200 Threshold Change for Creditors
A search for a $200 fee threshold can produce a misleading result for creditors. The confirmed change is not a single $200 rule. It is a UK statutory change to enforcement agent fees, including a High Court first enforcement-stage fee of £200 and a separate £1,200 threshold for percentage fees. For creditors using enforcement after […]
Klarna Debt Collection After FCA Rules Begin in July 2026
A missed Klarna instalment may look like a normal unpaid balance, but it does not give a retailer the same recovery rights as an overdue invoice. From 15 July 2026, Klarna debt collection sits within a new FCA-regulated framework for many interest-free Buy Now, Pay Later agreements. If your business sells through Klarna, the change […]
BNPL Debt UK: The Collection Risk Businesses Must See
One in eight young people who use buy now, pay later has been chased by a debt collector, according to Citizens Advice research. For any business that sells to younger customers, BNPL debt UK is no longer a distant consumer-finance issue. It can shape complaints, repeat purchasing, chargebacks and your brand’s reputation. Buy now, pay […]
Government Debt Recovery: The Lesson Behind 27%
A repayment plan can look like a concession when you have an unpaid invoice. Often, it is the route that gets your cash moving again. The UK’s government debt recovery record offers a useful benchmark, but only if you read the numbers with care. HM Treasury reports around £350 billion recovered across government over the […]
Stacked BNPL Debt and the 2.8 Accounts Problem
A customer can look able to pay on paper while several small Buy Now, Pay Later instalments drain their bank balance each week. That gap matters when an invoice goes unpaid, because stacked BNPL debt can hide payment pressure that a basic affordability review misses. For your business, the point is not to diagnose a […]
Service charge arrears: your complete England & Wales guide
Struggling with service charge arrears in England & Wales? Discover how to address missed payments effectively and avoid legal issues.
Bailiff Regulation: How Creditors Should Prepare Now
A successful enforcement action can still create risk for your business if the process is poorly managed. Bailiff regulation is moving towards stronger independent oversight in England and Wales, so creditors need clear records, careful supplier choices, and control over every escalation decision. For businesses chasing unpaid invoices, this is not a reason to delay […]
Debt Discoverability Reform: Recovering Older Debts
A debt written off in your accounts may still be a live commercial claim. The 2025 debt discoverability reform has made that distinction more important for businesses pursuing older Scottish debts. If an invoice disappeared into an old ledger because the loss, responsible party, or supporting records were unclear, the limitation clock may not have […]