We refuse matters we cannot run properly. A file built on the wrong footing does not carry pressure. It carries risk. These are the grounds on which we decline.
Turning the wrong matter away is the discipline.
Start the suitability check →We decline the matters where recovery is the wrong instrument: where the file cannot carry pressure, where the matter belongs with a solicitor or where a client wants something we will not do.
A prospective client had a £40,000 invoice, unpaid for four months, with a written agreement and delivery on record. On the criteria the file looked strong. We declined it at the suitability call. The client wanted the debtor named publicly, contacted at home and told the directors would be held personally responsible. That is not what we do. Our method is evidence, rhythm, deadlines and documented follow-up, in writing, against the company that owes the invoice. A strong claim does not change what we will send in a client's name.
A supplier asked us to recover £22,000. The work was done and the paperwork existed. But the invoice had been raised against a trading name. The entity that placed the order and took delivery was a different registered company we could not identify from the file. Pressure applied to the wrong legal entity is not pressure. It is a demand to a company that does not owe the money. It weakens the position against the one that does. Where the correct entity is identifiable, we can take the matter. Here it was not.
We were asked to recover a £35,000 invoice the client said was just being ignored. On review, the debtor had already set out in writing the deliverables said to be defective, the reasons and the sum withheld against each. That is a specific written dispute, one of the four positions our process is built to reach, not one it is built to push through. We declined and referred the client to a commercial solicitor. A defined dispute with substance is a legal question, not a commercial-pressure one.
A founder was owed around £18,000 for completed work. But there was no written agreement, no purchase order, no email accepting the work or the price and no record of delivery. The arrangement had been verbal throughout. Our process builds a file and lets the file carry the pressure. Where there is nothing in writing, there is no file to build and nothing for a deadline to rest on. We said so rather than take a fee for a review that could only reach the same conclusion. We suggested the client first gather whatever written record existed.
A client asked us to recover £27,000 against a company that, on a Companies House check, had already entered a formal insolvency process. The claim was sound. The timing was not. Once a debtor is in formal insolvency the route is legal and procedural: proving in the process and dealing with the appointed officeholder. Commercial pressure has no purchase on it. We declined and sent the client to the adviser who could act.
A business asked us to take over chasing its entire sales ledger, every invoice and every customer, on a rolling basis. That is ordinary credit control. Commercial debt recovery is for a serious matter that has hardened, where the record needs to carry pressure. Running a whole ledger is a volume task with different tools and a different cost base. We pointed them toward outsourced credit control rather than take a fee for the wrong instrument.
The amount was real and overdue, but the debtor was a private individual, not a company acting in the course of business. Consumer debt sits under a different regime with protections and rules we do not work within. Vindox is built for commercial trade debt between businesses. We declined and were clear it was a matter of scope, not merit.
The grounds are our standing criteria. The example under each shows the ground in practice. They are not records of identified clients. We will replace them with anonymised real refusals once those exist.
Each of these could have been accepted by someone less careful. We declined for one of three reasons. The file could not carry pressure. The matter belonged with a solicitor. Or the client wanted something we will not do. We do not run pressure on files that cannot carry it.
Why we decline,
answered plainly.
For three kinds of reason: the file cannot carry pressure, the matter belongs with a solicitor or the client wants something we will not do.
No. Vindox recovers commercial trade debt between businesses. Consumer debt sits under a different regime that we do not work within.
If the debtor has put a specific written dispute with substance on the record, that is a legal question. We decline and refer you to a commercial solicitor.
If the debtor is in a formal insolvency process, commercial pressure has no purchase on it. We decline and refer you to a solicitor who can act in the process.
Yes. Our process builds a file. Where there is nothing in writing, there is nothing for the file or a deadline to rest on.
A serious overdue commercial invoice that ordinary chasing has stopped moving. Start with the suitability check. If it is not suitable, we tell you why.
Start the suitability check →No debtor contact is made from a submission.