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Commercial debt recovery · England and Wales

Commercial debt recovery,
built on the file.

We recover overdue business invoices through forensic, evidence-led pressure and build a court-ready file behind every matter. No recovery, no fee.

Most agencies chase. Vindox builds.

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ScopeCommercial invoices · business-to-business only
MethodThe 21-day pressure cycle
JurisdictionEngland and Wales
BasisNo recovery, no fee
The problem

The invoice is overdue and nothing is moving.

The debtor has gone quiet or keeps saying it is with finance. Ordinary chasing has run out of road. A solicitor feels premature and expensive. The amount is real. The longer it drifts, the harder it is to move.

Gone quiet
Calls and emails stop landing. The silence is not an answer.
It is with finance
The same line, repeated. A promise with no date behind it.
Reminders without a record
Nothing is logged, so the debtor sees no consequence.
One serious invoice has stalled
Ordinary chasing is exhausted. It is not yet a court case.
A solicitor feels premature
The matter stagnates without a complete file to act on.
Recurring late payers
The same accounts drift every month. The rhythm never holds.
How recovery works

Build the file.
Run the cycle.
Force a position.

Vindox takes a serious overdue commercial invoice through a defined 21-day pressure sequence. The file is built first. The pressure follows. The drift ends.

Phase 01
Day 0–1
Intake
  • Suitability call.
  • Document request.
  • Debtor status check.
Client sees
Suitability result. Accept, refer or decline.
Phase 02
Day 2–5
File build
  • Chronology.
  • Evidence index.
  • Invoice schedule.
  • Response log.
Client sees
Evidence gaps identified. Recovery-readiness view.
Phase 03
Day 6–18
Pressure cycle
  • Forensic pressure.
  • Follow-up rhythm.
  • Vague replies narrowed.
  • Missed promises logged.
Client sees
Status updates. Debtor response analysis.
Phase 04
Day 19–21
Position forced
  • Payment.
  • Terms.
  • Specific dispute.
  • Court-ready file.
Client sees
Recommendation to close, settle, hand off or stop.
The tracked matter A complete matter, end to end

A stalled invoice becomes a tracked matter.

Vindox records the claim, the evidence state, every debtor response, every missed promise and the next action. The file becomes the pressure.

VDX-MTR-2026-0147  ·  Redacted client v. Active limited company  · Illustrative matter view · Anonymised composite Active  /  Day 14 of 21
Amount claimed
£38,400
Days overdue
74
File state
Strong
Debtor state
Non-responsive
Matter log
Day 01 Filed File complete. First recovery notice issued in writing and logged.
Day 05 Reply "With the finance team." Logged. Reply narrowed. Deadline restated.
Day 08 Broken Promise broken. No payment received. No communication. Logged as missed promise 2 of 3.
Day 11 Issued Second notice issued. Final deadline set: 26 Apr 2026. Confirmation required.
Day 14 Active No response. Final commercial deadline issued in writing and logged. Court-ready file prepared.
Next action Final commercial deadline active. If no payment, payment proposal or specific written dispute is received by 26 Apr 2026, the court-ready file is prepared for immediate handoff to a solicitor or High Court Enforcement Officer. They receive a complete file, not a reconstruction job.
See the full file a solicitor receives →

Behind every matter is a court-ready file.

The chronology. The evidence index. The full correspondence log. The record of every promise made and missed. It is the file a solicitor can act on the day it lands, not a summary to rebuild.

See a sample file →    What your solicitor receives →

No recovery, no fee.

What we charge
A percentage of the principal we recover, from 5% to 20%, set by the size and age of the debt and fixed in writing before any work begins.
What it is charged on
Principal recovered only. Statutory interest and the fixed compensation sums recovered from the debtor are not part of our commission. They are recovered for you.
If we recover nothing
You owe nothing. The recovery effort and the file are at our risk.
Court and enforcement
Vindox builds the court-ready file. Litigation and High Court enforcement are a separate step, carried out by a solicitor or a High Court Enforcement Officer. You can take the file to your own. Or we can arrange the handoff for you, so it is not left on your desk. Their costs sit outside our commission.
You keep the interest and the compensation.

We pursue the statutory interest and the fixed compensation sums due under the Late Payment of Commercial Debts (Interest) Act 1998. These are recovered for you. They are not part of our commission.

No recovery guarantee. The promise is forensic recovery effort on contingency, not a guaranteed outcome.

Full rate card →
Four positions

Every suitable matter ends
in one of four positions.

Payment comes first. It is the outcome you hired Vindox for. Every matter is driven toward one of these.

Payment
The invoice is paid in full. The matter closes.
Payment proposal
A specific written schedule. Dates and amounts on the record, not assurances.
Specific written dispute
A defined commercial position a solicitor can act on. Vague excuses do not count.
Court-ready file
A complete evidenced file, handed over for immediate action. Not a summary. Not a reconstruction.
Carrying more than one

More than one invoice stalled at once?

Managed Recovery runs the same evidence-led recovery across several overdue commercial invoices on a monthly retainer, with the file built behind every matter. A secondary service, offered by arrangement.

Managed Recovery →
A matter never runs out of road

Most commercial matters resolve before court.

Where one does not, your file is already built to court-ready standard for immediate handoff to your solicitor or High Court Enforcement Officer. The work is done. The file stands up.

Scope and screening

We take the matters we can move.

Commercial and business-to-business matters only. Incorporated debtors. England and Wales. We screen every matter before we take it and decline what we cannot move. If it is not right for Vindox, we tell you why.

Check if your matter is suitable →    Why we decline →

Field notes

Intelligence briefings

File discipline

The File Is the Leverage

Why reminders fail when there is no file, no chronology and no recorded debtor position.

Read →
Debtor behaviour

How Debtors Outlast Chasers

How debtors learn there is no rhythm, no deadline and no record being kept against them.

Read →
Payment landscape

Late Payment Signals

What the rising scrutiny of UK payment practice means for the records behind serious overdue invoices.

Read →
Legal handoff

Before Legal Action

What to put in front of a solicitor and why a built file reduces legal cost.

Read →
If Vindox has contacted you

Heard
from us?

Vindox contacts debtors only on client-approved commercial invoice matters. Replies are logged. Vague delay does not resolve the matter.

Respond to a matter →
Start here

Put the matter
on the record.

Submit the invoice for a viability check. If it belongs with Vindox, we confirm the approach on a short call. If not, we tell you why.

Submit a matter →

No debtor contact is made from a submission.

10 minutes No charge No obligation Commercial only England and Wales