If you’ve hit a brick wall, give me a shout

No.  Everything that you will find on my website is opinion based from years’ of experience.

I cannot assist with debt recovery companies owing you money, or for refunding upfront fees that you may have paid.

After a 6-year period, a debt becomes statute barred, which means it is no longer a legally recoverable debt and I would not be able to help.  However, if your debtor has offered you payment, or has made a payment within the 6-year period, it extends the period for another 6-years.  Also known as ‘resetting the limitation period’.  In these circumstances I might be able to help you.

Possibly, yes. Even if you’ve previously engaged a debt recovery company, there are situations where further action can still be effective. A new approach, such as a letter from a different third party, can sometimes prompt a response from the debtor, especially if your previous efforts have stalled. Keep in mind that the success of debt recovery depends on various factors, including the age of the debt, the debtor’s financial situation, and the documentation available. It’s important to have realistic expectations, but a fresh attempt with a different strategy can sometimes yield results.

Most debt collection companies claiming to have overseas debt collectors or partners are likely being dishonest.

Only a very small number of firms (possibly two) occasionally handle overseas debt collection.

Despite this, it is still possible to recover money from abroad.

Yes, I can offer some guidance on disputed debts. It’s very common for debtors to dispute a debt, at least initially. Whether I can help depends on the specifics of the situation, but here’s what I can do: I can help you assess the validity of the debt and the basis of the dispute. We can review your documentation (contracts, invoices, communications) to see if you have a solid case. I can also offer advice on how to communicate with the debtor, negotiate a settlement, or explore options like small claims court, if appropriate. Keep in mind, I’m not a legal professional, so I can’t provide legal advice.

Not really, no.  But if you feel that the debtor might have behaved badly leading up to their bankruptcy, the Official Receiver might be interested.