Loan Collection Agency
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We have created a range of free downloadable guides, tools, and resources to assist you with understanding and managing debt recovery.
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Downloads
Downloads
We have created a range of free downloadable guides, tools, and resources to assist you with understanding and managing debt recovery.
Struggling to recover unpaid debts? Federal Management is the UK’s leading loan collection agency, specialising in debt recovery for businesses across multiple industries. We help creditors claim money owed professionally and pragmatically.
Don’t let unpaid invoices affect business growth—trust Federal Management for professional recovery. Speak to one of our agents on Live Chat today.
Comprehensive Commercial Loan Collection Services
Managing outstanding debts can be challenging with so many people missing their loan payments due to job loss, the rising cost of living, reduced income, hospitalisation, divorce or poor money management.
A 2023-2024 study showed that nearly one in four UK adults (24%) have missed one or more payments on their mortgage.
Nearly two-thirds (64%) report it being due to the cost of living crisis, and seven in ten who missed payments said it impacted their ability to access financial services.
According to data from Pepper Advantage, a global intelligence firm, mortgage arrears rose by 2.4% in Q4 2024 from the previous quarter. This tracked 100,000 UK residential mortgages across all mortgage types from borrowers including fixed rate, variable rate and buy-to-let loans. This uptick reflects the growing financial strain on borrowers.
Luckily, your debt owed doesn’t have to be affected. Our debt collection services help ensure smooth debt recovery. Our team of professional debt collectors are experienced in recovery from different sectors, providing tailored solutions to your situation.
Our comprehensive services include:
Pre-action due diligence
Pro-active and strategic debt recovery process
Expert negotiation and repayment management
Professional collection officers to visit debtors
Online progress reporting
Dedicated and experienced account managers
Our debt collection services extend to overseas debt. We assist clients who require our services to collect from customers anywhere in the world. Together with our network of trusted partners and associates, we can successfully recover international debt on behalf of our clients.
Professional and pragmatic loan recovery services. Get in touch with us for our expert advice.
UK’s Lowest Commission rates from 6%
Up to 90% Recovery rate on undisputed Debts
Low Fixed cost Debt Recovery service
No Collection means No Collection Costs to pay!
Our Debt Collection Process
At Federal Management, we follow a structured approach to collecting debts, ensuring swift and ethical recovery of owed money.
Assessment and Strategy
We begin by evaluating the account, debtor’s history and financial circumstances. Our team conducts in-depth research to determine whether the debt claim is valid and the most effective path to
90% Success Rate
Our results are unrivalled — we have an 90% average success rate on undisputed business debts
£300m + Recovered
The total amount we have recovered on behalf of Local, National and International Businesses since 2004
20 Years +
We have provided our Award Winning Debt Recovery solutions across the UK and Overseas since 2004
Fully Accredited
Accredited in ISO:9001, CAI Collectors and Members of the Credit Services Association
Excellent Reviews
We have received hundreds of verified reviews from businesses and individuals across the globe
Submit an Enquiry
Do you need assistance with debt recovery or have questions about our services?
Our team of Debt Recovery Specialists are waiting to help. Fill out the enquiry form below with your details, and one of our advisors will get back to you as soon as possible.
Frequently Asked Questions
As a debt collection agency, we understand that parts of the process may be confusing. We’ve answered some commonly asked questions about debt recovery to make things easier to understand.
How long does the debt collection process take?
Although each case varies, we attempt to recover outstanding payments quickly as it’s more cost-effective for businesses to recover money sooner than later. We attempt to recover a part payment, if not a full payment of the money owed within 30 days if possible.
Will my reputation be affected?
No, we operate with full professionalism, protecting your customers and your business’s image. We aim to bridge the gap between your customers and your business while maintaining the relationship built between both parties.
What if the debtor refuses to pay?
If the debtor refuses to pay the money owed or fails to respond to communication by our debt collection agency, we will resort to court proceedings to ratify the debt. Under the UK law, the original creditor or their appointed debt collection agency can take the following steps:
Letter Before Action: Before initiating any legal proceedings, we issue a Letter Before Action, formally notifying the debtor of their outstanding debt.
County Court Judgment: If the debtor still refuses to pay, we will then proceed to file a County Court Claim. If successful, the court will issue a County Court Judgment against the debtor, legally confirming the debt.
Enforcement Action: If the debtor does not comply with the CCJ, we can request court enforcement. Depending on the circumstances, this can include High Court Enforcement Officers, Attachment of Earnings orders, Third-party Debt orders and Charging orders.
We always aim for an amicable resolution first, but if necessary, our team will ensure legal avenues are pursued to recover what is owed.
What are your commission rates?
Our commission fees vary based on the debt value, age and type of debt. Our fees vary from as low as 6% to 20%. For small-value debt, it will be up to 30% as it has to be cost-effective for us.
We must account for the potential expenses involved in debt collection, which can easily reach thousands of pounds. For secondary debt that’s already undergone prior third-party collection efforts, the above fees will be adjusted to reflect the increased financial risk we bear.
Can Federal Management help recover outstanding business loans if previous attempts have failed?
Yes — if clients or partners have defaulted on business loan payments, and your own recovery efforts haven’t proven effective, Federal Management can step in. We specialise in recovering various types of commercial lending, including business loans, invoice finance and credit lines.
Many debtors delay or ignore payment when dealing directly with creditors, but as a professional agency, we use proven credit control methods to ensure success. Our proven methods and professional approach often succeed where internal efforts fall short while preserving valuable business relationships where possible.
Why Use a Debt Recovery Company?
As the UK’s leading debt collection agency, we offer a service that acts within the best interest of our clients, with transparency and integrity at the forefront. We offer a bespoke, ethical and results-driven approach to debt recovery.
High Success Rates
We aim for results-driven debt recovery. Our debt collection agency recovery rates are industry-leading, with a recovery rate of up to 100%.
Federal Management: Swift Loan Collection Services
As the UK’s leading loan recovery agency, Federal Management has helped thousands of clients across the UK recover commercial and international debt. Our reputation is built on success, ethical practices, transparency and unmatched expertise in the debt collection industry. With more than twenty years of experience, we’ve provided our award-winning debt recovery services across the UK since 2004.
Save time, money and resources with our loan collection agency. Get in touch for a free risk assessment!
What Our Client’s Say About Us
Our reputation is built on delivering our clients exceptional results and an outstanding level of service. Read some of the things our clients have to say about us.
Excellent Business Debt recovery service. Recovered a large debt on behalf of our company from an evasive supplier in London. Would use again
Have had numerous requirement to use Federal Management's services over the past year. They have proved themselves to be very professional in...
We have worked well with federal for a number of years. Would certainly suggest any business owner uses them.
100% the best debt collection agency our company has used over the past 7 years. Brilliant service and will be using again soon.
Federal Management is an FCA Regulated debt recovery agency that has been the UK’s best value debt collection solution for businesses since 2004.
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Contact
Head Office
Federal House, Maple Court
Skelmersdale, Lancashire
WN8 9TW
Phone: 0333 043 4420
Email: enquiries@federalmanagement.co.uk