Process
How it works
Six steps from referral to resolution. Each stage produces a record, and the record is what makes the process effective.
- 01
Submit the case
Send the debt through the portal, email or a connected system.
- 02
Case review
We review the debtor, debt, contractual information and supporting evidence.
- 03
Recovery begins
The debtor is contacted through a structured commercial recovery process.
- 04
Responses are managed
Payments, promises, disputes, evidence, offers and communications are recorded against the case.
- 05
Formal escalation
Unresolved cases can progress through formal pre-action stages.
- 06
Claim preparation
Where appropriate, unresolved cases can be organised and prepared for the appropriate court process.
Recovery stages
Cases progress through defined stages. Reaching an advanced stage does not mean court proceedings have started — we only describe proceedings once a claim has genuinely been issued.
Case Review
Debtor, debt, contractual information and supporting evidence are reviewed.
Formal Recovery Notice
First formal commercial recovery correspondence to the debtor.
Notice of Continued Default
Issued where no payment or substantive response has been received.
Notice of Intended Claim
The creditor is considering commencement of court proceedings.
Final Pre-Action Notice
Final pre-action review stage before claim readiness.
Claim Readiness Review
Case record, calculations and evidence assembled for review.
Court / Authorised Escalation
Only where a claim has genuinely been issued or authorised escalation applies.
What changes the process
Payment received
Recovery correspondence stops immediately.
Payment promise
Routine recovery pauses until the promised date.
Promise broken
The next appropriate recovery step resumes.
Substantive dispute
Recovery pauses and the evidence is reviewed.
Evidence needed
We ask the client for it before escalating.
Settlement discussion
Recovery pauses while the offer is considered.
UK Financial Law is a trading name of Retail ABC Ltd. We provide commercial debt recovery and claims-management services. We are not a firm of solicitors or enforcement agents.
Submit a case