Client: UK B2C Plumbing & Heating Services Supplier

    Debtor: UK consumer
    Debt: >£17,000
    Time Line: Debt placed November 2014 and Paid full-and-final settlement of £10,000 in March 2016

    Activities:

    • 3 letters
    • 3 telephone contacts with subject
    • 20 consented emails with subject
    • 22 emails from subject
    • Legal action followed

    Summary:-

    This 4-year old disputed debt resulted in the subject offering our client £8,000 full-and-final settlement in 2013. Our client accepted the offer but no payment transpired and the client referred the account to us. Our amicable collection efforts halted following further claims from the subject of poor workmanship by our client; resulting in an assessment by the subject’s architect for our client. He asserted that the work was satisfactorily completed and that there was no reason for non-payment. The subject asked for a meeting with our client who rejected this on the basis of earlier broken promises. Our client agreed to take legal action in 2015 and, on issuance of a claim, the subject filed a defence. Eventually, mediation took place and £10,000 full-and-final settlement paid.

    Client: UK B2B & B2C Oil Distribution Company

    Debtor: UK consumer
    Debt: <£8,000
    Time Line: Debt paced January 2016 and Paid in full March 2016

    Activities:

    • 1 letter
    • 1 dialler attempt
    • 4 telephone contacts with the subject
    • 2 telephone calls from the subject
    • 2 consented emails to the subject
    • 1 email from the subject

    Summary:-

    Outstanding invoices were 5-7 seven months old when we received them. The subject had claimed to have cash flow problems but had provided nothing to support this to our client. In negotiation, the subject claimed that selling his home and downsizing would raise capital to pay the debt. We asked for evidence of this: received by return. We maintained regular contact with the subject and, 6 weeks after placement, received full payment.

    Client: Leading High Street Bank

    Debtor: New Zealand based consumer
    Debt: >£47,000
    Time Line: Debt placed December 2015 and Paid full-and-final settlement in April 2016

    Activities:

    • 3 letters
    • 25 emails with our overseas agent
    • 14 emails from our overseas agent
    • 5 telephone contacts between our agent and the subject
    • Numerous consented emails between our agent and the subject

    Summary:-

    16 months after incurring this mortgage shortfall debt the client placed it with us for collection. The subject had since relocated to New Zealand where we traced their new address. Despite this, our letters went unanswered so, with our client’s consent, we instructed our local agent to act in the subject’s country. After a great deal of communication with the subject, our agent got a full-and-final offer of almost £33,000 or c70% of the debt and our client accepted payment.

    Client: UK Corporate & Consumer Entertainment Company

    Debtor: Switzerland based consumer
    Debt: >£13,000
    Time Line: Debt placed March 2016 and Paid £10,000 full and final April 2016

    Activities:

    • 1 letter
    • 7 telephone contacts with debtor and authorised contact with his PA
    • 1 inbound telephone call from debtor’s PA
    • 7 consented emails to debtor/ PA
    • 2 emails received from debtor/ PA

    Summary:-

    Our client referred the debt 13 months after billing the subject who was disputing the account and withholding payment. The dispute centred on a wedding staged at our client’s facility with the subject detailing a range of complaints. We visited our client and went through each-and-every complaint, using photographic evidence of the wedding to assess any complaint(s) made. Following this meeting, we contacted the subject with a proposal to pay £11,000 in full-and-final settlement. The subject rejected this and offered £8,000 before further negotiations finally settled on £10,000 with the balance credited; all within 7 days of placement.

    Client: UK B2B & B2C Publisher

    Debtor: USA based consumer
    Debt: >£32,000
    Time Line: Debt placed November 2010 and £30,000 paid by January 2016

    Activities:

    • Account referred to our New York office
    • 1 letter to client
    • 10 consented emails to subject
    • Instalment plan agreed and 105 payments made to date

    Summary:-

    This subject was a former employee of our client with overpaid salary, examination costs and a loan all unpaid for two years before placement with us. Traced to a New York address the subject agreed a lengthy repayment plan agreed that continues today.

    Client: UK Household name Eyewear Retailer

    Debtor: UK consumer
    Debt: £14
    Time Line: Debt placed March 2012 and Paid in full 9 days later

    Activities:

    • 1 letter

    Summary:-

    The outstanding invoice was 12 months old when placed with us. Following receipt of our first letter, the subject attended the client’s local store and settled the bill in full.

    Client: UK Utility Company

    Debtor: UK consumer
    Debt: £14
    Time Line: Debt placed April 2016 and Paid in full 5 days later

    Activities:

    • 1 letter
    • 1 telephone contact with the subject

    Summary:-

    The outstanding invoice was 3 months old when we received it and our first telephone contact resulted in payment via credit card.

    Client: UK Packaging supplier

    Debtor: UK consumer
    Debt: £24
    Time Line: Debt placed March 2016 and Paid in full 13 days later

    Activities:

    • 2 letters
    • 1 telephone contact with subject
    • 1 telephone call from subject
    • 3 consented emails to subject
    • 1 email from the subject

    Summary:-

    The subject had ceased to communicate with our client about their 14 month’s old unpaid invoice. Our telephone call met with abuse from the subject; we informed the subject (again) that the call was being recorded and that we would have to hang-up if the verbal abuse continued. The subject put the phone down on us; our client called later the same day to say that the subject had called them and paid by credit card.

    Client: UK B2B & B2C Publisher

    Debtor: Ireland based consumer
    Debt: £105
    Time Line: Debt placed January 2016 and Paid in full February 2016

    Activities:

    • 3 letters
    • 20 dialler attempts at different times and days to secure a connect
    • 2 telephone contacts with subject
    • 1 telephone call from the subject
    • 2 consented emails to the subject

    Summary:-

    The subject had no dispute but proved as evasive with us as they had for our client in the 6 months since billing. Our dialler increased contact chances and, eventually, an answered call led to negotiation, with full payment made 23 days after placement.

    Client: UK B2C Cloud Hosting Company

    Debtor: Australian based consumer
    Debt: £119
    Time Line: Debt placed February 2016 and Paid in full March 2016

    Activities:

    • 4 letters
    • 3 dialler attempts at different times and days to secure a connect
    • 1 telephone contact with subject
    • 1 telephone call from subject
    • 5 consented emails to subject
    • 1 email; from subject

    Summary:-

     

    The subject claimed not to have the contract and, without it, they were unable to understand why the debt was due. The debt was 7 months past due and our client had clearly provided the requested information on several occasions. We sent a tagged copy of the signed contract and highlighted the clause on to their withdrawal from it. After a 40 minute telephone conversation the subject accepted liability and paid by credit card.

    Client: UK B2C Cloud Hosting Company

    Debtor: Spain based consumer
    Debt: £288
    Time Line: Debt placed February 2016 and Paid in full March 2016

    Activities:

    • 1 letter
    • 1 dialler call with message left
    • 1 telephone contact with subject
    • 11 consented emails to subject
    • 5 emails from subject

    Summary:-

    6 months after billing our client placed the debt with us for collection. Non-payment was due to subject’s dispute over contract period following cancellation. We provided the contract and explained the terms set out within them. After much discussion, the subject accepted that the amount due was contractually correct and paid.