Commercial debt recovery Pricing For advisers Submit a matter Heard from us?
Commercial debt recovery · England and Wales

Commercial debt recovery,
built on the file.

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

We recover overdue business invoices through forensic, evidence-led pressure and build a court-ready file behind every matter.

Vindox builds the file while it pursues.

Submit a matter →
No recovery, no fee
We never hold client money
The debtor pays you directly
ScopeCommercial invoices · business-to-business only
MethodThe 21-day pressure cycle
JurisdictionEngland and Wales
Client moneyNone held
The problem

The invoice is overdue and nothing is moving.

The debtor has gone quiet or keeps saying it is with finance. Ordinary chasing has run out of road. A solicitor feels premature and expensive. The amount is real. The longer it drifts, the harder it is to move.

Gone quiet
Calls and emails stop landing. The silence is not an answer.
It is with finance
The same line, repeated. A promise with no date behind it.
Reminders without a record
Nothing is logged, so the record stays incomplete.
One serious invoice has stalled
Ordinary chasing is exhausted. It is not yet a court case.
A solicitor feels premature
Without a complete file, the next step can be harder to assess.
Recurring late payers
The same accounts drift every month. The rhythm never holds.
How recovery works

Build the file.
Run the cycle.
Reach a position.

Vindox takes a serious overdue commercial invoice through a defined 21-day pressure sequence. The file is built first. The pressure follows. The cycle ends with a recorded outcome and a next-step recommendation.

Phase 01
Day 0–1
Intake
  • Suitability call.
  • Document request.
  • Debtor status check.
Client sees
Suitability result. Accept, return or decline.
Phase 02
Day 2–5
File build
  • Chronology.
  • Evidence index.
  • Invoice schedule.
  • Response log.
Client sees
Evidence gaps identified. Recovery-readiness view.
Phase 03
Day 6–18
Pressure cycle
  • Forensic pressure.
  • Follow-up rhythm.
  • Vague replies narrowed.
  • Missed promises logged.
Client sees
Status updates. Debtor response analysis.
Phase 04
Day 19–21
Position reached
  • Payment.
  • Terms.
  • Specific dispute.
  • Court-ready file.
Client sees
Recommendation to close, settle, hand off or stop.
The tracked matter A complete matter, end to end

A stalled invoice becomes a tracked matter.

Vindox records the claim, the evidence state, every debtor response, every missed promise and the next action. The file becomes the pressure.

VDX-MTR-2026-0147  ·  Redacted client v. Active limited company  · Illustrative matter view · Anonymised composite Active  /  Day 14 of 21
Amount claimed
£38,400
Days overdue
74
File state
Strong
Debtor state
Non-responsive
Matter log
Day 01 Filed File complete. First recovery notice issued in writing and logged.
Day 05 Reply "With the finance team." Logged. Reply narrowed. Deadline restated.
Day 08 Broken Promise broken. No payment received. No communication. Logged as missed promise 2 of 3.
Day 11 Issued Second notice issued. Final deadline set: 21 Sep 2026. Confirmation required.
Day 14 Active No response. Final commercial deadline issued in writing and logged. Evidenced file updated.
Next action Final commercial deadline active. If no payment, payment proposal or specific written dispute is received by 21 Sep 2026, the evidenced file is finalised for solicitor review. They receive the chronology and supporting documents in one place, rather than a summary to reconstruct.
See the full file a solicitor receives →

Behind every matter is a court-ready file.

The chronology. The evidence index. The full correspondence log. The record of every promise made and missed. It is organised for solicitor review, rather than left as a summary to reconstruct.

See a sample file →    What your solicitor receives →    Commercial recovery or debt collection? →

No recovery, no fee.

What we charge
A percentage of the principal we recover, from 5% to 20%, set by the size and age of the debt and fixed in writing before any work begins.
What it is charged on
Principal recovered only. Any statutory interest and fixed compensation recovered from the debtor are yours and are not part of our commission.
If we recover nothing
You owe nothing. The recovery effort and the file are at our risk.
Court and enforcement
Vindox builds the court-ready file. Litigation is a separate step, carried out by a solicitor. If judgment is obtained and stays unpaid, High Court enforcement, where appropriate, is carried out by a High Court Enforcement Officer. You can take the file to your own solicitor. Their costs sit outside our commission.
You keep the interest and the compensation.

We pursue the statutory interest and fixed compensation sums due under the Late Payment of Commercial Debts (Interest) Act 1998. Any such sums recovered are yours and are not part of our commission.

No recovery guarantee. The promise is forensic recovery effort on contingency, not a guaranteed outcome.

Full rate card →
Four positions

Every suitable matter ends
in one of four positions.

Payment comes first. It is the outcome you hired Vindox for. Every matter is driven toward one of these.

Payment
The invoice is paid in full. The matter closes.
Payment proposal
A specific written schedule. Dates and amounts on the record, not assurances.
Specific written dispute
A defined commercial position recorded for solicitor review. Vague excuses do not count.
Court-ready file
A complete evidenced file, organised for solicitor review. Not a summary. Not a reconstruction.
Carrying more than one

More than one invoice stalled at once?

Managed Recovery runs the same evidence-led recovery across several overdue commercial invoices on a monthly retainer, with the file built behind every matter. A secondary service, offered by arrangement.

Managed Recovery →
Pre-legal recovery and the next step

Some matters resolve during pre-legal recovery.

Where one does not, the evidence and chronology are organised for solicitor review. Litigation remains a separate step, carried out by a solicitor.

Scope and screening

We screen every matter before we take it.

Commercial and business-to-business matters only. Incorporated debtors. England and Wales. We decline matters outside our scope or suitability criteria. If it is not right for Vindox, we tell you why.

Check if your matter is suitable →    Why we decline →

Field notes

Intelligence briefings

File discipline

The File Is the Leverage

Why reminders can lose force when there is no file, no chronology and no recorded debtor position.

Read →
Debtor behaviour

How Debtors Outlast Chasers

How inconsistent chasing can leave no rhythm, no deadline and no clear record.

Read →
Payment landscape

Late Payment Signals

What the rising scrutiny of UK payment practice means for the records behind serious overdue invoices.

Read →
Legal handoff

Before Legal Action

What to put in front of a solicitor and why organised evidence may reduce duplicated preparation.

Read →
Recovery boundary

Where Credit Control Stops

How to tell when one overdue invoice has stopped being a credit control job and become a recovery matter.

Read →
If Vindox has contacted you

Heard
from us?

Vindox contacts debtors only on client-approved commercial invoice matters. Replies are logged. Vague delay does not resolve the matter.

Respond to a matter →
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.

Submit a matter →

No debtor contact is made from a submission.

10 minutes No charge No obligation Commercial only England and Wales