100% NO FEES!

Your business keeps all the money it's owed; we don't deduct a single penny.

Under the Late Payment of Commercial Debts Legislation, the debtor pays the collection costs*

*Subject to terms and conditions

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Welcome to the UK's Leading
Business-to-Business Debt Collection Agency

Are you grappling with the complexities of managing outstanding debts, unpaid invoices and the sometimes bewildering debt recovery landscape? Your search ends here. First Capitol is your experienced debt collection agency in the UK. Specialising in B2B debt collection, our seasoned team of debt collectors offers tailored solutions designed to recover your business-to-business unpaid invoices, principal on outstanding debt due, and any money that’s owed to you. We extend our services to a variety of businesses, ranging from small businesses and sole traders to larger companies, ensuring that the debt collection process is in tune with your specific business model and cash flow needs.

Our expertise isn’t just limited to debt collection and debt and recovery services. We offer an extensive range of services, from credit control and debt collection processes to dealing with issue legal proceedings when necessary. Our team is well-versed in the nitty-gritty of legal proceedings, including county court judgments. With decades of experience in the industry, we’ve assisted countless satisfied clients in recovering their outstanding debts, leveraging data analytics and state-of-the-art technology to develop successful recovery strategies.

Whether you’re dealing with late payments, court action, or need advice on the costs involved in the collection process, we have got you covered. Offering a free quote and a ‘no-win-no-fee’ structure, our approach provides a risk-free and cost-effective avenue for both debt recovery and debt collection, making us the go-to agency for all your needs related to debts, debtors, creditor, and financial health.

Contact First Capitol today to take control of your financial stability and focus on what you do best—running your business. Unlike other debt collection agencies, with First Capitol, you can rest assured that your debt collection and recovery needs are in expert hands.

Satisfied Clients
Cases Dealt With
Total Amount Collected
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Year to Date

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Seamless Debt Collection from Start to Finish

From your initial phone call with our customer support team to the moment the total amount is successfully collected, First Capitol prides itself on offering a meticulous and thorough debt collection service that leaves no stone unturned when collecting you. Whether it’s unpaid invoices or outstanding debts, we have mechanisms in place to ensure comprehensive debt recovery.

We specialise in both consumer and commercial debt recovery, thereby expanding the scope of our services. Our methodical approach to debt collection begins with effective debtor tracing. Using data analytics and traditional methods, we identify the individuals or businesses who owe you money. This tracing process is a critical first step in any debt recovery strategy and is applicable to both private individuals and various types of businesses, including small businesses and sole traders.

Legal proceedings are sometimes an unavoidable part of debt recovery, and here too, we excel. With an in-depth understanding of the legal landscape, our team can efficiently navigate court actions, court fees, and even county court judgments to ensure that your debt collection is as smooth as possible. Should legal proceedings become necessary to collect debts due, you can rest assured that we will manage them in strict compliance with UK regulations, minimising any associated costs and fees.

Our comprehensive services also encompass various processes to handle late payments, thus alleviating the financial strain on your company and cash flow. We understand how lingering debts can adversely affect both businesses and private individuals, and our aim is to resolve these issues in an efficient manner.

In summary, First Capitol offers a multi-layered, seamless debt collection process, ensuring that every aspect—from debtor tracing to legal proceedings—is managed with the highest level of professionalism and efficiency. Entrust your debt recovery  to us, and experience the peace of mind that comes with knowing experts are handling your financial matters.


Services for Effective Debt Recovery

Navigating the multifaceted world of debt collection services can indeed be daunting, especially when you’re juggling multiple obligations such as dealing with creditors, understanding court fees, and evaluating the costs involved. Here at First Capitol, we offer a comprehensive suite of services that simplify this complex landscape for you.

Our range of services cover the full spectrum of debt recovery and debt collection process needs. From the initial steps of credit control and debtor tracing to the advanced stages that may involve initiating legal proceedings late payment due, our experienced team handles each aspect meticulously. We’re not just about collecting debts; we offer robust credit control measures to help you avert the buildup of unpaid invoices and outstanding debts in the first place.

Transparency is crucial in our operation. With state-of-the-art technology, we offer secure online portals that keep you updated on the debt collection process in real time. Our use of data analytics also helps us refine our strategies, ensuring that we target debtors effectively while complying with UK law. Where necessary, we are proficient in taking court action, including the filing and enforcement of county court judgments, to ensure you recover what you are lawfully owed.

Late payments can disrupt your business, and hidden costs and interest can accumulate without careful oversight. That’s why our services are designed to mitigate these risks. Our client-centred approach is geared towards minimising late payment fees and avoiding unnecessary expenses. We also provide advice on the full scope of costs involved, from court fees to service fees, so there are no surprises.

Take control of your financial affairs today and eliminate the burden of outstanding debts and the complications they bring. With our free, no-obligation consultation, we assess your unique situation and provide tailored advice that aligns with your business needs. Trust in First Capitol for a methodical and professional approach to debt recovery, and focus your energies where they are needed most—on your core business operations.

Debt Collection Agency
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Highly Rated Debt

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Fast & Effective Collection Solutions

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Industry Experts in Debt Recovery

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Flexible Pricing

Utilising Technology and Data for Debt Recovery

In today’s digital landscape, the marriage of advanced technology and robust data analytics is crucial for optimising your debt collection process. At First Capitol, we’ve integrated these modern tools into our array of services to provide you with an experience that is not only effective but transparent.

Data analytics are at the heart of our approach. By scrutinising data points relating to payment behaviour, account statuses, and debtors’ histories, we refine our debt recovery strategies to be as precise as possible. This data-driven focus ensures that every action we take, whether it’s issuing phone calls or recovering debts through legal avenues, is backed by comprehensive insights.

Our technology suite also includes secure online portals where clients can receive real-time updates on debt collection, whether you’re a small business, a sole trader, or a private individual. This level of transparency is designed to keep you informed at every step of the debt collection process, from unpaid invoices to the initiation of legal proceedings.

Speaking of legal proceedings, our team is highly proficient in managing these intricate processes to secure any owed money that you claim you’re legally entitled to. We’re capable of initiating and managing court actions, including issuing county court judgments, all in strict compliance with UK law.

Our technological capabilities extend to various sectors, from private individuals and sole traders to small businesses. No matter the scope of your needs, our state-of-the-art technology and data analytics are instrumental in providing a tailored service, finely tuned to your specific debt recovery requirements.

Embrace the power of modern technology and data analytics with First Capitol. Our sophisticated approach ensures that you benefit from a streamlined, efficient debt recovery process compliant with all UK regulations.

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Contact Us Today for a Free Quote

If you aim to recover debts effectively, get in touch with First Capitol for a free, no-obligation quote today. Our tailored services range from managing debtors to handling late payment fees and providing comprehensive credit control measures. Our seasoned team will help you navigate the intricacies of debt recovery services in the UK, allowing you to focus solely on your business.

The Advantage of Choosing First Capitol

With more than three decades of collective know-how in the realm of commercial debt collection agencies, the proficiency of our team is unparalleled in the UK debt and collection agencies sector. We offer client-focused, risk-free services for efficient debt recovery, including debt purchase. Our client-focused, risk-free services are designed to provide you with peace of mind and efficient debt recovery. Our deep-rooted understanding of commercial debt collection dynamics, including court action and county court judgments, establishes us as your ideal partner for navigating the complexities of the UK financial landscape.

Our commitment to adopting cutting-edge technology and data analytics furthers our capability to offer strategic advice and real-time updates throughout the collection process. This includes actions such as debtor tracing and initiating legal proceedings when necessary, all performed in strict compliance with UK regulations.

Debt Collection Tailored to Your Needs

The uniqueness of each debt calls for a bespoke approach and that every company will require their own business debt recovery process, which is precisely what we offer at First Capitol. Whether you’re grappling with a single creditor or dealing with a more intricate situation involving multiple debtors, our team employs a range of proven techniques and processes to secure your owed money effectively.

Our services are not limited to large enterprises; we also extend our expertise to small businesses, sole traders, and even private individuals. In each case we deal with, we develop a debt recovery strategy finely tuned to meet your specific needs and objectives. From advice on dealing with late payments to guidance on the costs involved in the debt collection process, our comprehensive understanding of the UK commercial sector allows us to adapt our services to provide effective, tailored debt collection solutions for every client.

Put your trust in First Capitol; let our experts handle your debt collection needs so you can focus on what you do best—running your business.

Arguably, the best debt collection agency
in the United Kingdom!

We are proud to have offices across the UK including our debt collection agencies in London, Birmingham, Bristol, Southampton & Bedford. 

Comprehensive Services for Debt Collection

Navigating the intricate terrain of debt collection can be a complex affair, particularly when you are juggling multiple financial responsibilities. Whether you are grappling with late payments from customers or trying to recover business-to-business unpaid invoices, First Capitol has a broad suite of debt collectors services designed to address your specific needs.

If you’re a business struggling to recover unpaid invoices from other businesses, you’ll appreciate our specialised approach in this area. Leveraging both conventional methods and advanced technology, we streamline the collection process to recover your owed money efficiently. Our bespoke services are tailored to handle the unique challenges posed by B2B transactions, ensuring you receive what is due without straining professional relationships.

Late payments can disrupt your cash flow and lead to unnecessary complications. Our dedicated team will handle the collection of these fees as part of our comprehensive debt collection services. We employ credit control measures and proactive communication strategies to prevent late payments in the first place, but when they do occur, rest assured that they are addressed swiftly and professionally.
When necessary, our team of experts can guide you through the complexities of the legal system. This includes initiating county court judgments and managing court fees that may be associated with the debt collection process county court judgement. We aim to navigate these legal proceedings with the utmost efficiency to minimise the costs involved.
Should your debt recovery process require legal intervention, our team is well-versed in handling legal proceedings, ensuring that your case is managed in strict compliance with UK laws. Our expert advice will guide you through each step, providing a strategic framework that maximises the chances of a favourable outcome.

Proper credit control is essential for any successful business. We implement robust credit control systems that actively manage and monitor credit extensions, thereby minimising the risk of unpaid debts and helping improve your cash flow.

One of the first steps in successful debt recovery is knowing who owes you money and where they are. Our debtor tracing services utilise both data analytics and traditional methods to quickly and accurately identify debtors and collect from, whether they are private individuals or businesses.
We understand that cost is a crucial factor in the debt recovery process. With a focus on cost-effective solutions, we are upfront about any fees paid and the total amount involved. Our transparent approach enables you to make informed decisions, ensuring that the debt recovery process doesn’t become a financial burden in itself.

With First Capitol, you can be assured of a client-centric service that covers all aspects of debt collection. Our comprehensive understanding of both the financial and legal landscapes in the UK enables us to offer solutions that are both effective and compliant with local regulations.

Take Control of Outstanding Debts Today

Allowing debts to accumulate, especially unsecured debts, can have a detrimental impact on the financial stability and cash flow of your business. As a leading debt collection company, First Capitol adopts a ‘no-win-no-fee’ structure, providing a risk-free and cost-effective route for your debt recovery needs.

When you reach out to us for a free, no-obligation consultation, you engage with a team of experts experienced in the complexities of debt collection and recovery of unsecured debts. We begin by conducting a comprehensive assessment of your unique situation, taking into account your outstanding debts, cash flow, and any particular challenges you’re facing, whether they are unpaid invoices, late payment fees, or other monies owed to pay you.

Based on this assessment, we devise a debt recovery strategy finely tuned to your specific business requirements. This tailored approach may encompass various services, such as debtor tracing, legal proceedings, and county court judgments, depending on what’s best suited for your circumstances.

Our commitment to client-centric, professional service ensures not only the recovery of your debts but also that the costs involved in the process are transparent and manageable. We guide you through each step, keeping you informed through secure, data-driven online portals and regular updates.

Take action today to regain control over your financial health by tackling and paying those outstanding debts. First Capitol is your reliable partner in effective and efficient debt collection and recovery.

Book your free consultation or
call us now 03333 444991

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We offer all of our debt collection services in Bedford, Birmingham, Bristol, London, Manchester, Southampton and throughout the UK.

5 Star Debt Collection Agency

Charlie Walker

First Capitol just spent time talking to me with regards to a debt which I want settled. He was knowledgeable, friendly, and seemed to really want to help me get the money owed to me for the smallest cost. Highly recommended.”

Adam Kendal

“During the initial phone call he pinpointed exactly how best to deal with the individual owing the money, and true to his word First Capitol delivered, and I received my money back within 3 days of that initial call. I really can’t recommend them enough!

- Helen Mercer-Jones,
ERE Property LTD

“First Capitol acted quickly and were very thorough with the advice and time that the case needed. The communication we received from them was fantastic and we got the result we needed. “

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Our Successful Debt Collection Case Studies

To Write Off or Not to Write Off

To Write Off or
Not to Write Off

We were contacted by the director of a large family-owned double glazing glass manufacturer…

Ex Business Partners Dirty Tricks

Ex Business
Partners Dirty

When Charles O’Neal’s demands for payment of £14,000, plus VAT, from an ex-business associate, fell…

Franchisee’s Claims Disputes

Claims Disputes

A popular national wedding styling company had several debtors in excess of £23,000…

Poor Credit Control

Poor Credit

We were contacted by the director of a large family-owned double glazing glass manufacturer…

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