Commercial debt recovery · England and Wales

Commercial Debt Recovery

No recovery, no fee. If we do not recover, you pay nothing. No win, no fee.

Commercial debt recovery is how one business collects a serious overdue invoice from another once ordinary chasing has failed. Vindox does that work on the file. We build the evidence first, run a defined pressure cycle and force a position.

Most agencies chase. Vindox builds.

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No recovery, no fee

We never hold client money

The debtor pays you directly

ScopeCommercial invoices · business-to-business only

DebtorActive UK limited company or LLP

Minimum£5,000 · typical £10,000 to £100,000

JurisdictionEngland and Wales

What it is

A recovery step that sits after chasing and before legal spend.

Ordinary credit control has run out of road. A solicitor feels premature and expensive. The amount is real and the debtor has gone quiet or keeps saying it is with finance. Commercial debt recovery is the step that ends the drift.

Vindox takes a serious overdue commercial invoice through a defined pressure sequence. The file is built first. The pressure follows. The aim is payment. If payment does not follow, you are left with a court-ready file rather than another failed chase.

Who it is for

A clear screen, both ways.

Vindox screens every matter first. The screen decides what we take. It is built to protect your position and ours.

Good fit

The creditor is a business and the debtor is an active UK limited company or LLP.
The invoice is commercial and arose from goods or services supplied.
The amount is at least £5,000, with £10,000 and above preferred.
The work is complete or the milestone has been reached.
There is a contract, purchase order, statement of work, written acceptance or a clear email trail.
Ordinary chasing has failed and no proceedings have been issued.
You want payment before legal spend.

Not for us

Consumer debt, personal debt or a sole-trader debtor.
An unincorporated debtor or personal guarantee enforcement.
Fraud allegations or insolvency routes.
Statutory-demand or winding-up pressure work.
A matter already in proceedings.
A matter where legal advice is the immediate need.
A debt with no written or evidenced basis at all.

If a matter is not suitable, we decline it or refer it back and tell you why. Our full decline logic is set out on Why We Decline.

The court-ready file

Every matter builds a file that can stand up.

The file is the product. Whether the debtor pays under pressure or the matter has to go further, the same evidence base is built behind it from day one.

ChronologyA dated account of the debt from supply to default.

Evidence indexEvery document that proves the debt, indexed and referenced.

Invoice schedulePrincipal, payments, credits and the amount outstanding, kept separate and clean.

Correspondence logThe full record of contact, so the debtor sees a consequence.

Missed-promise recordEach promise to pay and each date that passed.

Outcome recordWhat happened, and what is left for the next step.

If the matter does not resolve, a solicitor or a High Court Enforcement Officer can act on the file. See Court-Ready File and What Your Solicitor Receives.

No recovery, no fee

You are charged only on what we recover.

Commission is charged on the principal we recover for you. It is priced by the size and age of the debt, fixed at instruction. The rate does not rise if the matter ages during the cycle. Vindox is not VAT registered at launch, so no VAT is charged on commission while that remains the case. No recovery means no commission.

On every matter we also pursue statutory interest and fixed compensation from the debtor where the matter allows. That works to reduce your effective cost. The full rate card by value and age is on the pricing page.

We never hold client money. The debtor pays you directly. Vindox recovers the debt and builds the file. The funds move between you and the debtor.

Scope

What Vindox does, and where it stops.

Vindox builds the evidence file and runs commercial recovery up to the pre-legal line. We are not a law firm.

Vindox does not give legal advice. Vindox does not litigate, issue proceedings or enforce. Litigation and enforcement are carried out by a solicitor or a High Court Enforcement Officer. We take commercial and business-to-business invoice matters only, in England and Wales. No consumer debt.

Questions

Common questions.

What does no recovery, no fee mean?

If we do not recover, you pay nothing. Commission is charged only on the principal we recover for you. Vindox is not VAT registered at launch, so no VAT is added while that remains the case.

Do you hold my money?

No. Vindox never holds client money. The debtor pays you directly. We recover the debt and build the file.

How large does the debt need to be?

The minimum is £5,000. The model is tuned for matters of £10,000 and above, with a typical band up to £100,000.

What if the debtor still does not pay?

You are not left with another failed chase. You are left with a court-ready file that a solicitor or a High Court Enforcement Officer can act on.

Do you go to court for me?

No. Vindox runs the pre-legal recovery and builds the file. Litigation and enforcement are carried out by a solicitor or a High Court Enforcement Officer.

Which debts do you not take?

We do not take consumer debt, personal debt, sole-trader or unincorporated debtor debt, matters already in proceedings or matters where legal advice is the immediate need. The debtor must be an active UK limited company or LLP.

What area do you cover?

England and Wales. Commercial and business-to-business invoice matters only.

Start here

Put the matter
on the record.

Submit the invoice for a viability check. If it belongs with Vindox, we confirm the approach on a short call. If not, we tell you why.