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Recovery scenario · Commercial debt recovery

“It’s with finance.”

It is with finance. It is in the next payment run. Finance will sort it this week. It sounds like progress, but without a specific date it is not a payment commitment.

Record the answer. Ask for the date.

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The situation

Why it keeps working.

Ordinary chasing may accept the answer and reset the clock. You hear it is with finance, wait, chase again and hear it again. Without a specific payment date and a written record, there is no clear commitment to measure and the matter remains unresolved.

What Vindox does

What Vindox does.

Vindox classifies the answer as a deferral and puts it on the record with a date. We ask for a specific payment date in writing, not a vague assurance. If that date passes, it becomes a missed promise in the file, logged with its text, date and outcome. The record shows the pattern without making assumptions about motive.

Common questions

The situation,
answered plainly.

What should I do when a customer says the invoice is with finance?

Ask for a specific payment date in writing. An assurance that the invoice is with finance is not itself a dated commitment. If a date is given and passes, record it so the chronology stays accurate.

Is “it's with finance” a delay tactic?

The wording alone does not establish motive. Ask for a specific payment date in writing and record what happens. That provides a verifiable commitment and outcome rather than an assumption.

How does Vindox handle a debtor who keeps deferring?

Each deferral is classified and logged with its date and outcome. A missed payment date becomes an entry in the chronology. The record shows the sequence, but does not by itself prove the underlying debt or determine any legal outcome.

If the matter is serious

Put the matter
on the record.

Submit the invoice for a viability check. We reply within one working day on whether it is suitable. No debtor contact before engagement and your written approval. No win, no fee on engagement.

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No debtor contact is made from a submission.

Commercial only Business to business England and Wales No recovery, no fee