Debt recovery in North

Muckle LLP

Muckle LLP prides itself on its high success rate in a full range of commercial and consumer debt recovery work. The 'very helpful and professional' group acts for a varied portfolio of regional and national sole traders and public limited companies. Clients also benefit from the team’s use of Liberate B2C, a case management software enabling the clear and speedy tracking and monitoring of progress on matters; in the words of a client, ‘each case is tracked and easy to follow’. The department’s work benefits significantly in terms of credibility due to the reputation of Beverley Oliver, whose wealth and 'great breadth of knowledge' span close to three decades. Insolvency specialist Kelly Jordan is also highly involved in the group’s advice on asset protection and recovery.

Practice head(s):

Beverley Oliver

Other key lawyers:

Kelly Jordan


‘Very helpful and professional.’

‘Beverley Oliver is always prompt with her actions and responses.’

‘The debt recovery team always act quickly and they review their standard approach if they think another approach will be more successful. They have a very high rate of success with their letter before claim because if necessary they simply do not just send one letter they cover all angles to make sure that the letter gets to the right person to action it. Their initial preparation is excellent and flows into the success of the recovery of the debt.’

‘Beverley Oliver who is head of debt recovery has great breadth of knowledge and vast amounts of experience within this field. She is always very professional and provides a rapid response to all queries. Beverley recently successfully recovered a high value debt for us by going over and above the expectations of service delivery for debt recovery. The chances of the debt being recovered were low, but her never-give-in attitude approach thankfully meant that the debt was paid in full.’

‘Beverley Oliver is our main contact. Bev and her team are always professional and keep us informed of developments with all cases. I can ask any question and I always get a response, no matter how silly the question may be. I appreciate their honesty as well as their dedication in achieving positive results for our claims.’

‘Person-to-person contact with both their clients and debtor. Each case is tailored to suit the specific circumstance and each case is tracked and easy to follow allowing us to easily following the debt recovery process.’

‘All the staff are consistent, very reliable and chase us for a response if we forget to reply! Beverley Oliver is our key contact and we know that once the debt has been passed to her, we can be assured that she will do everything within her means to recover the debt in a professional manner.’

Key clients

Soil Environmental Services Limited

Nigel Wright Employment Services Limited

Quantum Sports Limited

Kans and Kandy Wholesale Limited

Work highlights

  • Assisted Kans and Kandy Wholesale with its debt pre-action letter and chasing strategy.
  • Advised Quantum Sport on a repayment proposal.
  • Successfully assisted Nigel Wright Employment Services with initiating debt proceedings and collecting owed debt.

Aberdein Considine

Praised for its ‘first-class support’, Aberdein Considine has an unsurpassed strength in representing lenders, including banks, building societies and asset-based lenders. The practice has core strengths in the recovery of commercial and business debt, secured mortgages and asset-based lending, among other matters. It is also adept at providing pre-litigation and compliance advice. The team is headed up by Thomas Lillie in Newcastle, but also stays true to the firm’s Scottish roots and acts seamlessly in conjunction with the team in Glasgow led by Myra Scott. Associate Isabel Clough is also singled out by clients.

Practice head(s):

Thomas Lillie

Other key lawyers:

Isabel Clough


‘Aberdein Considine have a knowledgeable and professional legal services team that provide first-class support to lenders as well as driving appropriate and fair customer outcomes. The team offer a full service offering from pre-arrears and asset management and shortfall recovery with expert knowledge across all areas.’

‘Really strong from a technical perspective, there seems to be no scenario that they are unable to suggest a solution or course of action for. The team are extremely helpful and are prompt to respond to queries.’

‘I have started working closely with Thomas Lillie in the latter half of 2020, who has been extremely helpful on a number of occasions. Thomas has assisted with queries, suggested solutions to issues and taken a real collaborative approach to working. He has been an absolute pleasure to work with and is always available at the end of a phone to discuss thoughts and concerns.’

‘Aberdein Considine colleagues have a vast span of knowledge and an excellent understanding of their clients’ requirements, processes and appetite for risk. This is demonstrated and evidenced in their support and guidance offered, clearly setting out appropriate options to resolve.’

‘There is a clear structure to the team – the chain of command and roles of each individual is very clear. The team also communicate extremely effectively.’

‘Thomas Lillie is cool, calm and focussed. He is well-liked by clients and staff alike. Isabel Clough is fearsome and efficient.’

Key clients

Lloyds Banking Group

Royal Bank of Scotland

The Co-Operative Bank plc

Santander UK plc

Nationwide Building Society

Virgin Money / Clydesdale Bank

Atom Bank plc

TSB Bank plc

The Mortgage Lender plc

Computershare Loan Services

Pepper (UK) Ltd

Pure Retirement Limited

Savills PLC

Work highlights

  • Advising a cohort of the UK’s largest lenders on their strategies for handling consumer debt and recovery action following the commencement of the Covid-19 pandemic.
  • Advising a UK lender on the new “Debt Respite (Breathing Space) Scheme”.
  • Assisting the Royal Bank of Scotland with cross-border enforcement of security, commercial debt and asset recovery.

Short Richardson & Forth

The ‘highly knowledgeable’ lawyers at Short Richardson & Forth specialise in a wide range of debt recovery matters, including issues pertaining to unpaid invoices, rent and service charge arrears and commercial forfeitures. Repossession-related advice is another area of focus for the team, which is experiencing an uptick in work relating to recent legislative changes in the field. Tim Berg sits at the helm of the department.

Practice head(s):

Tim Berg

Other key lawyers:

Alexandra Withers; Sarah Farish


‘Reply quickly to requests; good communication; follow up very helpful.’

‘I find Sarah Farish very friendly and helpful, she offers good advice, replies quickly to new case requests and follows up without having to be chased.’

‘Highly knowledgeable. Pragmatic.’

Ward Hadaway LLP

Ward Hadaway’s team uses the firm’s extensive network of debt collection agencies, trace specialists and lawyers to handle debt recovery not only in the region, but also at national and international level. The practice places a particular emphasis on commercial debt recovery work and is gaining additional ground in the construction sector. Steven Petrie and Jane Garvin share leadership of the wider corporate recovery and insolvency group, while recently promoted managing associate Vicki Alexander heads up the debt recovery team.

Practice head(s):

Steven Petrie; Jane Garvin; Vicki Alexander

Key clients

Cemex UK Operations Limited

London Borough of Bexley


The Darlington-based team at BHP Law uses its traditional debt recovery strength to tackle pandemic-related claims, such as instructions from small and commercial landlords seeking to recover debts from tenants and guarantors. The group also works closely with the firm’s commercial and agricultural property experts. Recently promoted partner Phil Masters leads the practice, where associate Rosie Woodward is also a key figure.

Practice head(s):

Phil Masters

Other key lawyers:

Rosie Woodward

Key clients

Temple Brown Consulting Limited

Sintons LLP

Sintons LLP acts for clients on a wide range of contentious issues, including winding up petitions, overdue invoice and rent payment recovery claims, among others. The 'responsive, concise and knowledgeable' Allison Thompson heads up the debt recovery department. Angus Ashman is also a key member in the team.

Practice head(s):

Allison Thompson

Other key lawyers:

Angus Ashman


‘Allison Thompson was responsive, concise and knowledgeable. I was impressed with her professional conduct and pragmatic approach.’