The process

How instructing a partner agency works

Instruct us. We take the file. We review it, assign a specialist partner agency to collect, and recovered sums are accounted to you. Recovery is not guaranteed.

Instruct
We review, then a partner recovers
You get paid — recovery is not guaranteed
B2B only
Partner agencies
No collection, no fee options
Secure upload

The introducer model, in plain terms

Debt Collection UK is not a debt collection agency. PASECOM GROUP LTD operates this website as a B2B introducer. You submit a commercial claim; we assign it to an independent partner; that partner pursues recovery under terms you agree with them.

1. Submit

Use the three-step form. We need your details, the debtor company, the amount, the type of commercial debt, and a copy of the invoice. Contracts and notes help. Consumer debts are rejected.

2. Assigned to a partner

We check that the file is B2B and send it to a vetted partner with the right specialism — unpaid invoices, corporate recovery, commercial rent, or international. You will deal with that partner on process, commission and updates.

3. They recover

Partners typically start with a Letter Before Action consistent with the Practice Direction — Pre-Action Conduct. If the debtor pays, funds go to you (minus any agreed commission). If not, the partner will discuss court options and costs before anything is filed.

Statutory add-ons may be available under the Late Payment of Commercial Debts (Interest) Act 1998. They are not a recovery guarantee.

Send a letter before action first

Partners typically start with a compliant letter. You can send one yourself for a limited-company debtor using the free template, or instruct us and a partner will take the file. Sole traders need the Debt PAP Letter of Claim, not this template. See letter before action.

Free letter before action template

Leave your details and copy the letter. It is a practical B2B template, not legal advice.

Not legal advice

This is a practical B2B template, not a solicitor’s letter and not legal advice. You must fill in the [SQUARE BRACKETS] and send it on your own letterhead.

If the debtor is a sole trader or an individual, do not use this letter. Use the Pre-Action Protocol for Debt Claims instead.

PASECOM GROUP LTD trading as Debt Collection UK is an introducer, not a law firm, and is not authorised by the Financial Conduct Authority.

Letter before action template (UK B2B)

Copy letter Download .txt

How much does this service cost?

Submitting a claim through this portal is free. There is no upload fee. Once received, the claim is assigned to a specialist partner agency. Most partners operate on a no-collection, no-fee model: their commission is taken only if they recover funds, and you agree their terms before they start.

How long does the debt collection process take?

Timing depends on the age of the debt, the quality of the paperwork and the debtor’s position. Some files are recovered; some are not. Recovery is not guaranteed.

Will using a debt collector damage my business reputation?

We introduce claims only to partners that are expected to act professionally. They should behave as an extension of your credit control — firm, documented, and without harassment. Your brand remains yours; you can pause or withdraw instructions with the partner if the relationship requires it.

What should I upload?

Provide the debtor’s legal name, the amount owed, and a copy of the unpaid invoice (PDF, JPG or PNG, up to 10 MB). Company number, invoice date, contracts, purchase orders and email trails all help. Consumer debts are not accepted.

Is this for consumer debt?

No. This portal is strictly business-to-business. We cannot help with consumer credit, personal loans, household bills or debts owed by private individuals in a personal capacity.

Are you a debt collection agency?

No. Debt Collection UK is a trading name of PASECOM GROUP LTD. We introduce B2B claims to independent partner agencies. Those partners carry out recovery. We are not authorised by the FCA. We are not a law firm. A specialist partner agency is assigned to collect.

Can I get a free letter before action template?

Yes. The letter-before-action article in the Advice Hub includes a free B2B template. Leave your name, email and phone to copy or download it. It is for limited-company debtors, not sole traders, and it is not legal advice.

When does statutory interest start on a late invoice?

The day after the relevant day in the 1998 Act — usually the day after your agreed due date, or after the 30-day default if no date was agreed. The rate is 8% plus Bank of England base rate, plus a fixed £40, £70 or £100 per qualifying invoice. Interest is a right, not a collection guarantee.

Free B2B letter before action template

For a limited company or LLP debtor only. Not legal advice, not a solicitor’s letter, and not for sole traders — use the Pre-Action Protocol for Debt Claims instead.

[Your Company Name]
[Your Company Address]
[Your Email Address]
[Your Phone Number]
[Date]
Strictly Private & Confidential
[Debtor Company Name]
[Debtor Company Address]
Subject: FINAL DEMAND FOR PAYMENT / LETTER BEFORE ACTION
Outstanding Balance: £[Total Amount Owed]
Dear Sir/Madam,
We are writing to you regarding the above outstanding balance, which relates to overdue invoice(s) for goods/services provided to your business by [Your Company Name]. 
Despite our previous reminders and attempts to resolve this matter amicably, the following invoice(s) remain unpaid and are now severely overdue:
• Invoice No: [Insert Number] | Date: [Insert Date] | Amount: £[Insert Amount]
As this is a commercial transaction, we draw your attention to the Late Payment of Commercial Debts (Interest) Act 1998. We reserve the right to claim statutory interest at 8% above the Bank of England base rate, alongside fixed late payment compensation for each overdue invoice.
This letter serves as our formal Letter Before Action.
We require the total outstanding balance of £[Total Amount Owed] to be paid in cleared funds into our bank account no later than 4:00 PM on [Date exactly 7 days from today].
Payment Details:
Bank: [Your Bank Name]
Account Name: [Your Business Account Name]
Sort Code: [Your Sort Code]
Account No: [Your Account Number]
Reference: [Debtor Company Name / Invoice Number]
If we do not receive full payment by the specified deadline, we will immediately and without further notice pass this account to our retained Commercial Debt Collection Agency. 
Please be advised that under the aforementioned legislation, we are legally entitled to add the agency’s recovery costs and legal fees to your outstanding balance, significantly increasing your total liability. Furthermore, subsequent legal action may severely impact your company’s credit rating.
We urge you to treat this matter with the utmost urgency to avoid escalated costs and legal proceedings.
Yours faithfully,
(Signature)
[Your Name]
[Your Job Title]
[Your Company Name]

How It Works