About Us

A family business Incorporated in 1984.

We're rightly proud of our forty year trading history and humble origins, find out more about us and our history here.

Welcome to Safe Collections

Welcome to Safe Collections my name is Adam Home and I am the Managing Director.

 

Safe Collections has been helping businesses large and small effectively manage their cash flow by collecting unpaid invoices and recovering undisputed B2B debt since we incorporated way back in May of 1984.

 

The company was started by my parents with a very simple vision, to use their knowledge and experience to provide businesses with honest, straight forward credit management and debt collection support and advice.

 

I am very proud to say that after more than forty years in the business we have stayed true to our founders vision and we are known in the UK and internationally for our honesty and professionalism.

 

We offer a small range of high quality services designed to bring a wealth of benefits to your business, covering everything from helping you to recover overdue invoices in the UK or overseas to managing your sales ledger under your own brand.

 

Hopefully you will find what you need on the site, if you have any questions or queries then please feel free to contact us and one of the team will be pleased to deal with your query.

 

We look forward to doing business with you.

 

Adam Home.
Managing Director
Safe Collections Ltd

Safe Collections Logo

Meet the Team

Adam Home

Managing Director
Adam literally grew up "in the business" as it was originally incorporated by his parents Ann and Sid Home in his childhood bedroom in 1984.

Adam has built up a lifetime of experience in the credit management and debt collection industry as a result his knowledge and experience is regularly sought by leading business groups, trade associations and accountancy practices.

Barbara Fitzgerald

Barbara began with Safe Collections in 2007 and is responsible for the day to day operations in the company.

Fluent in German, Barbara is also integral to our international debt collection efforts and ensures seamless cooperation with our collection affiliates across the European Union and further afield.

Sarah Hamilton

Sarah joined Safe Collections in 2023 and has already proven herself to be an excellent addition to our UK and International debt collection team.

With previous credit control and accounts receivable experience in a number of different business areas Sarah supports our clients in their quest for payment.

Ann Home

Ann is one of the founding members of the company and she began her career in credit management in 1980.

Before becoming involved in credit and collections Ann worked in accounts payable for a variety of organisations and is well versed in all the sneaky tricks debtors will use to avoid and delay prompt payment.

Lubna Mehmood

Lubna is the newest member of the Safe Collections Team having only joined the company in 2024.

Lubna recently graduated university and is keen to learn more about the credit control and debt collection processes, along with life in a busy, multilingual office.
about us

Millie the Dog

We've always had an office pooch in the company and we're pleased to have Millie the Dog with us four days a week.

Millie helps maintain a positive and welcoming environment for the staff, although we don't think it is fair she gets to nap all the time.

James Skellorn

James is a key part of our IT contractor support team as his technical expertise means he is perfectly placed to assist IT contractors.

Plus he has proven adept at locating information and intelligence in support of our UK and International debt collection activities.

Contact Us for a Free, No Obligation Consultation

Not sure if we can help your company? Got questions about our services or charges? We're always happy to provide a free, no obligation claim review or to answer any questions you may have.

Contact us today and one of our friendly and helpful debt collection experts will be glad to discuss your requirements in more detail with you.

No pressure and no hard sell.

Frequently
Asked
Questions

Wondering how the service works?

Confused about the type of claims we handle? 

Dive into our FAQ for more details and if you have any other questions feel free to contact us and one of the team will be pleased to assist.

Can you collect any value commercial B2B debt?If the debt is Business to Business in nature, backed by accurate paperwork and undisputed by your debtor, chances are we can collect what is owed on a genuine "no collection = no commission" basis.

What do you need to start a UK debt collection claim?We need a copy of the contract, agreement or order, copy invoices in the correct legal name of your debtor along with their contact details to open a claim.

Please do not send original documents like unpaid invoices or signed contracts by unregistered post, as we can not guarantee safe receipt or return.

Do you need anything more to start an international debt collection claim?No. The above information is all that is required for the instruction of one of our International Debt Collection partners.

If further documentation is required this will be requested at a later date.

What is the cost to collect a debt?Rates for undisputed UK debt collection claims start at 5% of any recovered amount and international B2B debt collection rates start from 10% on a strict "no collection = no commission basis".

This contingency, pay on success fee varies depending on the age of the invoices, amount outstanding and other case specifics.

No advance fees for undisputed B2B claims and no hidden or abortive charges to pay in any debt collection case we handle.

Please contact us for a bespoke quote.

How is your commission charge calculated?Our fee is a simple percentage of any payment made by the debtor.

So for example if the contingency debt collection fee is 10% and your debtor pays £1,000 the fee is £100 plus VAT.

If the fee is 20% and the debtor pays £10,000 we would charge £2,000 plus VAT and so on.

But the debtor has to pay something before we charge anything.

Do you really offer a genuine "no collection = no commission" service?Yes we do.

At Safe Collections our standard UK Debt Collection & International Debt Collection services are provided on this basis.

If any chargeable extras are required (e.g. a land registry search or debtor trace) we will always seek written authorisation from you before you incur any charges.

Am I obligated to spend any more money?No you are not.

We may advise a course of action but you stay in complete control of your exposure to additional costs at all times.

What abortive costs do you charge if no funds are collected?We do not charge any abortive cost or fees if your undisputed B2B claim remains unpaid. The service is provided on a "no collection = no commission" basis.

How do you define a "successful recovery"?In most cases a successful recovery is easily defined by you receiving cleared funds into your account. 

We may also raise an invoice under other extremely limited circumstances as stated in our Terms and Conditions.

Under what other circumstances may you raise an invoice?If you issue a credit note or accept a return of goods after our instruction, we may raise an invoice on the value of any credits raised.

If after instruction an account is placed on hold with us and subsequently paid, we will raise an invoice at the agreed rate.

If an account is closed by you after instruction and we subsequently confirm payment has been received, we will invoice you at the agreed rate.

We may also raise an invoice under other extremely limited circumstances as stated in our Terms and Conditions.

Do you profile or monitor my debtors?Yes we do.

Throughout the debt collection process we will continually profile and monitor your debtor. This enables us to keep watch for any early signs of financial difficulty or insolvency.

This approach often provides useful intelligence that is vital should court action be required in recovery. We also monitor your debtors using the service provided to us by Experian Small Business.

How long does the debt collection process take?Every account is different and as such it is impossible to give an accurate indication at the enquiry stage.

It is sometimes as little as 24 hours from engaging us to receiving payment, but other accounts may take longer to resolve if the balance is in query or if the debtor is struggling financially.

However in most cases an account is either paid (or being paid in installments), closed at no charge or in litigation within 12 weeks of our instruction.

What is your success rate?Our success rate is very high, but each debt is different and no agency can collect every single account they receive.

As long as the account is undisputed and the debtor is solvent the chances are we will be able to collect what is owed to your business.

My debt is disputed, will you accept it on a contingency basis?Disputed debts are not included in the contingency debt collection service. Please contact us and we will review the claim on a free, no obligation basis.

Do you have legal cover?Yes we do.

We provide access to leading legal firms across England, Scotland, Wales, Northern Ireland and internationally.

However please note that we do not bankroll the legal costs of other profit making enterprises.

Who decides if a case should proceed to court?You do.

If we are unable to secure payment in pre-legal collection we may recommend that proceedings are issued against the debtor.

We will only recommend legal action in cases where we believe you have a reasonable possibility of not only securing the judgment, but of actually getting paid.

However the final decision is yours.

If I decide to take court action do I have to use your solicitors?No you don't.

If the outstanding amount is less than £10,000.00 we may actively encourage you to make use of the Small Claims track at County Court via Money Claim online (MCOL).

Otherwise we can liaise with your chosen legal services firm for the issue of legal proceedings if you wish.

Why do we encourage use of Money Claim Online in some cases?In Small Claims any solicitor's fees you incur are generally not recoverable from the debtor.

If you instruct a solicitor and a defence is filed you can quickly find your non recoverable legal fees exceed the sum claimed.

This is not an issue if you issue proceedings "in-house" as a litigant in person.

What if I do want to use your Solicitors?That's great, we will transfer the file to our solicitors and manage the issue of proceedings on your behalf.

Please note legal costs are not included in our fee and remain the clients' responsibility at all times.

Why do your solicitors invoice us directly?For transparency.

Some Debt Collection agencies will add an extra 10-50% on top of legal charges prior to invoicing the client. When you pay the solicitor direct you know the legal fee is just that (and not a hidden charge from us).

Please note legal costs are not included in our fee and remain the clients' responsibility at all times.

If we get a CCJ and the debtor pays do I still have to pay you?Yes you do.

Our agreed fee is payable on any recovered amount paid by the debtor.

What happens if my debtor doesn't pay after we secure a CCJ?We will help you collect and enforce your County Court Judgment as we also specialise in the collection and enforcement of County Court Judgments.

I or the debtor is not a business, can you still help me?Probably and if not, we are certain we can recommend someone who can. Please contact us for a free, no obligation claim review.

I have an odd claim and I'm just not sure where to turn for advice?You're in luck, our MD Adam Home has been in this business his entire working life and he has a wealth of experience and industry contacts that means if he cannot help, chances are he knows someone who can. Please contact us for a free, no obligation review.

Testimonials

Having been in business since the early 1980s we have accrued hundreds of reviews and testimonials from our clients here in the UK and overseas. 

Read more about what our clients have said about us over the last forty plus years of trading.

“I consider myself to be quite good at credit control having never suffered a bad or seriously overdue debt in over eight years of trading.

The experience and knowledge of the staff at Safe Collections along with the methods they have for securing swift payment whilst maintaining good relationships with customers far outweighs what I or most small business owners would have.”

Richard GoodwinKardan Consulting Ltd

“When we have used the services of Safe Collections they have been efficient, kept things as simple as possible and not overloaded us with unnecessary paperwork etc. which is reflected in the more than reasonable fees they have charged us for their services.

From the experience we have of dealing with Safe Collections we would not hesitate to recommend their services to anyone.”

Chris BakerOptical Hardware Ltd

“In nearly 10 years of business, we've never had to collect a late payment, so when it finally happened it was such a relief to have Safe Collections on our side. Professional and swift from the outset, they recovered the full debt and their fee from the debtor within a few days.

Very much recommended and we'll be in touch straight away, should the worst happen again.”

Sam ThomasLemonaise Ltd

“We have been using Safe Collections for over 15 years to collect our UK and International unpaid debts.

We are very satisfied with their charges and the services they provide us.

We would definitely recommend Safe Collections.”

J C TraversTP Orthodontics

“Incredible service - as a freelancer, it's an amazing feeling knowing I don't have to worry anymore if clients don't pay.

One of those things that you hope you never need, but you're grateful you have it when you need it :-)”

Pierre NelPierre Nel Ltd

“We have been referring late payers and problem accounts - both UK and overseas, to Safe Collections on a regular basis for over fifteen years.

The team have always produced quick, effective results, at a reasonable rate.

Highly recommended.”

Paul NewmanSelect Music & Video Distribution Ltd

“A business partner put us in touch with Safe Collections after one of our customers failed to settle a series of invoices, totalling over £2000. Having called and emailed the client many times over a period of six months, we finally lost patience.

We forwarded details of the late invoices and client contact details, and the debt recovery company sent out an “appropriately worded letter”.

Literally the next day, we received an apologetic phone call, and the full sum owed arrived via CHAPS in our business bank account within a matter of hours. As a result of our experience, and those of several business partners, we’re happy to recommend them to our own visitors.”

James LeckieBytestart.co.uk

“We have used Safe Collections for many, many years for UK overdue account collections.

We have found them to be very efficient and professional in all cases that we pass to them. They are very friendly and approachable at all times.

When we review how we should be collecting our overdues we may consider other companies but we always decide to stay with Safe Collections as we believe they are the best.”

Pat GrayFoster Refrigerator

“When I referred an outstanding debt to you for collection I was not very hopeful that you would be able to obtain payment.

I had chased the former client repeatedly, but he just ignored my requests.

I clearly remember you saying to me at one point “Persistence overcomes resistance” and you have managed to prove that it works. The former client has now paid.

I will certainly be very happy to recommend you to any of my business contacts who have the same difficulty in obtaining payment.

Very many thanks.”

David ReadmanEmployment Practice & Law Ltd

B2B Debt Collection in the UK and Internationally Since 1984

Get in Touch

Our modest but highly skilled team has a combined total of over 150 years of experience in commercial credit management and B2B debt collection. From independent IT contractors to major film and TV publishers, Safe Collections has the knowledge and experience you need to get paid quickly and cost effectively.

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Rosette 2024

© Safe Collections is a trading name of Safe Collections Limited. Incorporated 1984. Company Number: 01815264.

VAT Number: GB407358159. Data Protection Registration Number Z5257449 All Rights Reserved.

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