Vehicle finance asset recovery

Our commercial recoveries practice has a national reputation as a team with unrivalled motor finance experience and expertise. Acting for captive and non-captive lenders from pre-litigation to enforcement, managing volume return of goods claims, vehicle title disputes and injunctions, with a focus on cost effective early resolution and a consistent, quality service. The team have carved a niche as industry leaders in the asset recovery sector, both for Consumer Credit regulated matters and for non-regulated matters.

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Main areas of practice


We provide a complete asset recovery service founded on quality and consistency:

Volume return of goods

We provide a secure environment for the provision of bulk instructions data. We understand the importance of acting fast in asset recovery and have the technology and systems in place to accept volume instructions and to move swiftly to a Letter Before Claim.

Consent to recovery

We encourage early settlement promoting the benefits of early recovery to customers at appropriate stages of the Return of Goods process, maximising our clients return and minimising costs and delay.

Vehicle title disputes

Our dedicated lawyers are experienced in managing title disputes. We offer a range of services including assessment of innocent purchaser claims, advising and acting on storage charges, assisting clients in locating missing vehicles and co-ordinating vehicle recovery with our client's recovery agents.

Treating customers fairly

We understand the importance of TCF and the challenge our clients face balancing their regulatory obligations with the adversarial environment of asset recovery litigation. We have developed policies and procedures around TCF and we seek to ensure the right outcomes for customers and for our clients.

Problem-solving

We look for practical solutions to the challenges faced by our clients at all stages of the recovery process. We engage with our clients and with industry conversations to understand the changing environment we are working within and seek to continuously improve.

Recovery agent co-operation

We have worked with a number of high profile vehicle recovery agents and have established relationships with those agents. We now have an efficient system for referral of consent forms and court orders promoting early recovery for our clients, and consequently higher vehicle sales.

Our clients


We have an impressive client base acting within the motor finance sector for a number of household names over the last 18 years.  We are regularly reappointed to client panels for recovery work and are trusted advisors to our clients.  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 have had a long term working relationship with Blake Morgan and it really is the people that make this practice unique. Sadak Miah and Jane Lewis are always on hand to offer advice and support and it really feels like a partnership.
- Legal 500, 2026


No problem is to small and the support from the wider team is also very important to the successful relationship.
- Legal 500, 2026


Blake Morgan always value their relationships highly, and it is this focus on people that sets them apart from most of their competitors. Their depth of industry knowledge is second to none, and their wide client base ensures that they are so often ahead of the curve in spotting potential issues, and proactively offering advice. They really shine out.
- Legal 500


Highlights


We were instructed in a matter where the customer was deceased. Our client's high value vehicle was held in storage. We negotiated with the storage company for release of the vehicle and our client recovered the full value of the debt from the customer's estate.


Our client's vehicle was found to be in possession of a third party upon termination of the agreement. The intermediate keeper was a motor dealer so conversion proceedings were issued against the dealer and settlement terms agreed. 


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


Sadak
Miah
Partner

Southampton

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