Civil Debt Recovery

In order to collect debts successfully, it is important to avoid delay. A call to Swift as soon as payments become overdue increases the likelihood that collection in full will be effected. The ability of the debtor to pay can be checked prior to commencement of recovery proceedings. This no collection, no fee service is available to both local authorities and private clients for either sundry debts or as part of a regular collection service.

For councils, Swift can offer advice, assistance and support in the recovery of sundry debts and overpayment of housing benefits. The service begins with a 7 day demand letter followed by a telephone call and text messages from our dedicated call centre and finally, a visit by an collection agent.

Trade debts can also be collected on behalf of private clients. A 7 day demand letter and telephone call by our call centre can be followed by the drafting and serving of a statutory demand with the threat of bankruptcy for debts exceeding £750. This is a highly effective way of collecting overdue business accounts without having to go through the courts.

Swift offers online access to client accounts so that progress of collections can be monitored 24 hours a day. In partnership with leading firms of solicitors, Swift specialises in the issuing of statutory demands, bankruptcy or winding-up petitions in addition to commencement of proceedings in the County or High Courts.