No Collect, No Fee — Debt Recovery Services UK
No Collect, No Fee Debt Recovery for UK Businesses
We recover your overdue invoices on a pure performance basis — zero upfront cost, no financial risk, and entirely under your brand name. You only pay when we collect.
What is no collect, no fee debt recovery?
No collect, no fee debt recovery — also known as a collect-out or ledger collect-out — is a commission-only service for recovering overdue invoices. You pay nothing to get started. Our fee is a percentage of what we successfully collect. If we collect nothing, you owe nothing.
It is specifically designed for businesses that have aged debt sitting on their books — invoices that have been chased internally, partially written off, or simply set aside because the effort of recovery no longer felt worth the cost. A ledger collect-out gives that debt a second life, at zero financial risk to you.
Because our income depends entirely on what we recover, our incentives are completely aligned with yours. We are not billing you by the hour to send letters. We are motivated to recover as much as possible, as quickly as possible, because that is the only way we get paid.
This service suits businesses of all sizes — from a handful of unpaid invoices to a ledger spanning hundreds of accounts. It is particularly effective for businesses that have outstanding commercial debt they have stopped actively pursuing: the no win no fee debt recovery model removes the cost barrier to professional intervention entirely.
Why choose this over a solicitor or debt collection agency?
There are other routes to commercial debt recovery in the UK. Here is why many businesses find the collect-out model a better fit.
No upfront legal costs
Solicitors charge for their time regardless of the outcome. For smaller commercial debts, the legal cost can quickly exceed the value of the debt itself. With no collect, no fee debt recovery, you pay only on results — there is no financial exposure before a penny is collected.
Relationships are protected throughout
We work under your brand name, not ours. Your clients do not know an external team is involved. Our approach is professional, calm, and non-aggressive — designed to resolve the matter while preserving the relationship wherever possible.
Our incentive is fully aligned with yours
Traditional agencies and solicitors are paid regardless of outcome. We are not. Because we only earn when you collect, we have every reason to pursue your debt with the same urgency you would. That alignment matters.
We work through dialogue, not threat
Aggressive tactics can close a door permanently. We open conversations, understand the debtor's position, and find a path to payment — whether that is full settlement, a structured payment plan, or a formal notice. We exhaust the professional route before recommending escalation.
Experienced, qualified professionals
KS Credit Control is led by an MCICM-qualified director with experience across ledgers ranging from £50,000 to over £1 million. We are fully insured for professional indemnity, errors and omissions, and cyber liability.
A complete service from start to finish
We do not simply send one letter and wait. We run a full structured dunning process — phone, email, written notice, and formal letter before action where required — managed to a consistent schedule with weekly reporting throughout.
What's included in a ledger collect-out
A comprehensive commercial debt recovery service — structured, professional, and delivered entirely under your brand name.
Full review of your aged debtor ledger
We begin with a thorough review of your aged debtor report — summary and detailed — to understand the full picture: debt age, value, debtor type, and previous activity. This shapes the approach we take for each account.
Structured outreach — phone, email, letter
We make contact through every appropriate channel: telephone calls, written correspondence, and email. All communication is conducted professionally and under your brand name — your clients experience a seamless, in-house interaction.
Dunning process through to formal notice
Where initial outreach does not resolve the debt, we escalate through a structured dunning process — from payment reminders and statements through to formal letter before action. Each stage is measured and purposeful.
Payment plan negotiation where appropriate
Sometimes a debtor cannot pay in full immediately. Where appropriate, we negotiate structured payment plans — agreeing terms that recover the debt over a realistic timeline while keeping the relationship intact.
Dispute logging and resolution chasing
Every dispute raised by a debtor is logged, relayed to you promptly, and actively chased for resolution. We do not allow disputes to stall the process — outcomes are recorded and followed through to a conclusion.
Weekly progress reports
You receive regular movement reports throughout the collect-out — showing what has been collected, what is in progress, what has been disputed, and what we recommend for escalation. Full transparency at every stage.
Escalation recommendations where required
If a debt cannot be resolved through the professional recovery process, we advise on appropriate escalation — whether that means formal legal action or a commercial decision to write it off. You always make the final call.
All communication under your brand name
This is 100% white-label throughout. Our team acts as an extension of yours — your letterhead, your email domain, your brand. Your clients never know an external specialist is involved.
Transparent Pricing
Simple, performance-based fees
No upfront costs. No monthly retainer. No risk. Our fee is a percentage of what we recover — and only applies to debts we successfully collect.
Standard Rate
10%
of recovered debt
Applies to commercial debts under 120 days old. We take a flat 10% of everything we collect on your behalf.
Aged Debt Rate (120+ Days)
20%
of recovered debt
Applies to debts 120 days or older, which require more intensive recovery work. Still no upfront cost — only due on successful collection.
What this means in practice
- →If we recover £10,000 of standard debt, our fee is £1,000. You receive £9,000.
- →If we recover £5,000 on an aged ledger (120+ days), our fee is £1,000. You receive £4,000.
- →If we collect nothing, you pay nothing. Zero cost. Zero risk.
Who is this service for?
Debt recovery services UK businesses find most useful when the cost of recovery has previously felt like a barrier.
Businesses with historic aged debt
You have invoices that have been on the books for months — some partially written off, others simply deprioritised. A ledger collect-out gives that debt a professional second attempt at zero cost to you.
Companies that have tried chasing internally
Your team has made the calls and sent the emails, but the debt remains outstanding. Professional intervention often achieves results where internal efforts have stalled — particularly on older accounts.
Firms where solicitor costs aren't justified
For smaller commercial debts, legal fees can quickly outweigh the value of recovery. No collect, no fee removes that cost barrier entirely — no win, no fee means no financial risk.
Businesses in financial restructuring
If your business is going through restructuring, recovering outstanding ledgers can be critical to cash flow. We can work alongside your restructuring team to maximise recoveries quickly and professionally.
Seasonal businesses with irregular cash flow
If your revenue cycles create periods of cash pressure, a collect-out between busy seasons can help clear outstanding balances and improve liquidity — without committing to an ongoing monthly contract.
Businesses that need discretion
Some businesses need debt recovery handled sensitively — especially where the debtor is also a valued client relationship. Our white-label approach means the recovery is handled without announcement and without pressure.
Industries we work with regularly
We work with businesses of all sizes across the UK. If your sector is not listed, please get in touch — we almost certainly can help.
Results that speak for themselves
Every recover overdue invoices engagement is different. These are examples of what professional debt recovery services UK clients have achieved with us.
Case Study
68% Recovery on an £800,000 Ledger
A ledger five years old — largely written off internally. Recovered on a no collect, no charge basis. The client paid nothing until funds landed.
£360,000
Recovered for a private healthcare client
£147,000
Recovered in 90 days
4 hours
Fastest single debt recovery
100%
Client retention rate
Results vary depending on debt age, debtor type, and circumstances. All figures are real outcomes from client engagements.
The Process
How it works
From your first conversation to recovered cash — a straightforward, four-step process with no financial commitment until we begin collecting.
Book a free 30-minute call
Tell us about your outstanding debt — the age, value, and what has been tried so far. We ask the right questions to understand your situation fully before recommending anything.
Share your aged debtor report
We need a summary and detailed aged debtor report to review the ledger properly. This lets us give you a realistic view of what is recoverable and at what rate.
We agree the scope and fee structure
We confirm which debts we will pursue and the applicable fee (10% standard, 20% for debts 120+ days old). No surprises, no small print — everything agreed in writing before we start.
Recovery begins under your brand name
We start work immediately — contacting debtors on your behalf, under your brand name. You receive weekly progress updates throughout. You only pay on results.
Frequently asked questions
Common questions about no win no fee debt recovery and how the collect-out service works in practice.
What does “no collect, no fee” actually mean?
How is the fee calculated?
Will my customers know you are involved?
What types of debt can you recover?
What if a debtor genuinely cannot pay?
No Risk. No Obligation.
Book a free 30-minute call to discuss your outstanding debt
Tell us what you're dealing with. We'll review the situation, give you an honest assessment of what's recoverable, and explain exactly how we would approach it — with no commitment required.
MCICM qualified · Fully insured · 100% white-label · Nationwide UK coverage