Financial Services Recoveries

Our unsecured lending recoveries team work with a range of financial service companies, lenders and debt purchasers, dealing with recovery of unsecured lending products including loans, credit cards, overdrafts and guarantees.

Our Approach:

  • Develop a recovery strategy that complements your internal processes
  • Promote engagement with customers to arrange affordable and sustainable payment arrangements (which are monitored using the latest technology to ensure prompt payment)

When payments are not achievable, we assess the commercial viability of legal proceedings and determine the most appropriate and cost-effective enforcement method with our client.

Our Aims:

  • Maximise your recovery
  • Protect your reputation 
  • Adhere to the relevant compliance and regulatory requirements

We operate within a compliant conduct risk environment supported by internal induction and on-going training for our Recoveries team. All elements of our strategy and collections work is undertaken in compliance with the FCA guidelines. Quality is supported by our LEXCEL and ISO9001 accreditations.

On-line access and Management Information:

All clients are provided with access to our “Client on-line” portal, which allows you to access all your accounts, track progress and review all transactions. We work with clients to develop bespoke management information that is relevant to their reporting requirements.

Specialist Enforcement:

As well as providing outsourced debt recovery solutions that Financial Services companies expect, we also partner in-house teams to provide specialist enforcement services such order for sale enforcement to unlock cash secured in charging orders and insolvency proceedings to address difficult cases where bankruptcy proceedings are a more effective method of recovery.

Meet our experts

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Commercial Recoveries

We have a dedicated commercial recoveries unit, handling commercial debt recovery and dispute resolution. We provide proactive advice on recovery options available and the commercial considerations for such action on behalf of a wide range of sectors across the UK.

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Corporate and Commercial

Our team of specialist corporate and commercial solicitors work closely with you to achieve your commercial goals. We take a practical approach to business and understanding your business needs. Our expert corporate lawyers not only know the law, but also draw upon their experience to provide you with effective solutions to any given situation. Our team is flexible and has the resources to manage all sizes of transactions and matters for small to medium sized (SME) organisations, as well as large multi-national companies.

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Credit Union Recoveries

Our specialist credit union recoveries team work with both employer-based and community-based Credit Unions across the UK. We primarily deal with the recovery of secured and unsecured lending products, including personal loans, motor finance loans and secured loans on property.

When payment arrangements are not achievable, we work with each Credit Union to assess to commercial viability of legal proceedings and to determine the most appropriate and cost-effective enforcement method.

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Credit Unions - Secured Asset Lending

Wilkin Chapman has developed a complete suite of fully compliant lending documents for Credit Unions. These documents provide a 'ready to go' solution for secured asset finance.

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Our recoveries department is widely recognised as a leader in the field of debt recovery. We work with a wide range of clients in both national and international recovery, advising on pre-legal and legal recovery, insolvency and commercial litigation. We are also one of the few national law firms who has an authorised insolvency practitioner, Chris Garwood.

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