Debt recovery (Consumer debt)

Our commercial recoveries practice is a top rated debt recovery team managing predominantly Consumer debt. We act for finance companies and debt purchasers in the consumer sector on both regulated and non-regulated debt.

We cover the full range of debt recovery from pre-litigation to enforcement. We are experts in volume debt recovery and have a team of senior lawyers who manage complex litigation matters.

We are industry leaders in debt recovery and are consistently highly rated by legal publications. The Legal 500 rankings are based on client and peer feedback; for many years the Legal 500 has ranked us in the first tier (South East).

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Main Areas Of Practice

One of the most sophisticated specialist Recoveries teams in the UK with a deep expertise in the finance sector for business debt recovery:


We conduct pre-litigation work using lettering and telephony on low value debts. We have developed automatic workflows to ensure accounts are progressed efficiently, promoting a cost effective solution to business debt recovery. We sell the benefits of early settlements to customers as part of this process to aid swift recovery.


We review the likelihood of recovery prior to issuing to ensure that litigation is effectively deployed in the right circumstances. We discuss relevant litigation factors with our clients and produce a bespoke service designed to meet our client's needs from issue to enforcement.


We enforce County Court Judgments using Charging Orders, Attachment of Earnings, Warrant of Controls, Statutory Demands and Order for Sales where appropriate. We ensure that we advise our clients on the most proportionate method of enforcement. In the non-regulated sector for business debt recovery we use High Court Enforcement Officers for enforcement.


We balance the requirements of debt collection and the need of our clients to ensure we treat customers fairly. We are sensitive to Customers' circumstances and ensure we conduct ourselves in a friendly and open manner. We are flexible to meet customers' needs.

Financial Conduct Authority ("FCA")

We act for a number of clients who are FCA regulated. We have established policies to ensure we are in unison with our client's needs to be FCA compliant, we contribute to industry on FCA matters and understand our client's regulatory responsibilities.

Call Recording

We record and quality review Customer interactions. The software provides an excellent dialler facility to run efficient call campaigns, enables us to provide MI on outcomes of customer calls, to take card payments electronically and is PCI compliant.


We have an excellent technology base which we continue to invest in and develop. This includes; online client portals so clients have instant access to their files; automatic workflows to ensure cost effective recovery; the facility for SMS contact; instalment modules; MI reporting suites tailored to our client needs and call recording facilities with a dialler function.

People & Training

Our team are experts in debt recovery. We invest in our team and aim for high service standards and strong client relationships. We operate a rigorous training programme for our staff and put an emphasis on robust supervision of work by a management team comprised of experienced practitioners.


We ensure that we comply with our policies and manage our compliance process. We achieve this through regular feedback/training to the team on regulatory matters including call scoring and feedback and regular policy reviews as the debt environment changes. We audit team files on a monthly basis and hold team 121 sessions weekly.

Our Clients

We have an impressive client base acting for Asset finance companies since 2003 and Debt Purchasers since 2005. We are regularly invited to tender and reappointed to client panels for pre-litigation and litigation work. We seek to provide our clients with a service based on excellence and this is reflected in our top tier rankings in Legal Directories.


We assisted a client to deal with an extraordinary volume of matters requiring debt recovery activity. We managed a volume of circa 7,000 accounts over a 4 month period ensuring that the cases were loaded and actioned to a tight SLA.

The team were instructed by a national charity to deal with a high profile case which had featured frequently in the media. We secured, by way of Charging Order, the debt and associated costs orders worth £750,000 prior to the Defendant's insolvency. Upon sale of the property, our client received payment in full. 

We highlighted a 'batch' of defective Default Notices to one of our clients and provided advice on managing the affected cases with minimal financial loss or damage to reputation.

Awards, Accolades and Accreditations

Our Experts



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"Blake Morgan is outstanding for debt recovery and related litigation. Although it acts for clients in a wide range of industries, it is particularly well known for handling high-value work in the automotive sector and undertakes a considerable volume of litigation for insurance companies." Legal 500 - 2018

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