Debt Recovery
A structured route from reviewing your documents to negotiating payment and monitoring settlement.
Learn moreCheque and Payment Claims Support
We assess the payment instrument together with the underlying transaction to determine the available options.
Who This Service Is For
This is a creditor-side debt recovery service for businesses and individuals who are owed money. We assist creditors in recovering outstanding commercial receivables, unpaid invoices and financial claims. We do not provide debt relief, debt consolidation, credit repair, loans or debt reduction services to debtors.
When this service applies
- A cheque has been returned unpaid by the bank.
- A post-dated cheque given as security has not been honoured.
- A bank transfer has failed or been reversed.
- A payment undertaking has not been met.
- You hold cheques and are unsure how to proceed.
What the service covers
- Review of the returned cheque and the bank return advice
- Review of the transaction underlying the instrument
- Verification of the drawer's details
- Assessment of the available options
- Demand letters relating to the dishonoured instrument
- Negotiation of replacement payment or a settlement
- Coordination with licensed advocates or competent authorities where the matter requires it
How the service works
- 01
Document review
We examine the cheque, the return advice and the underlying transaction.
- 02
Verification
We confirm the drawer's details and the status of the instrument.
- 03
Assessment
We set out the practical and procedural options available.
- 04
Demand
A formal demand is issued in respect of the dishonoured payment.
- 05
Negotiation
We seek replacement payment or a documented settlement.
- 06
Escalation where needed
Where required, we coordinate the appropriate next step within the scope of our licence.
Documents usually required
- The original cheque or a clear copy (both sides)
- The bank return advice or memo
- The contract or invoice the cheque relates to
- Statement of account
- Correspondence about the payment
- Details of the drawer and the account holder
- Any replacement payment offered
Frequently asked questions
Is a returned cheque enough on its own?
The instrument is important, but the underlying transaction usually matters as well. Both are reviewed together.
Can you act on a post-dated cheque?
The position depends on the date, the reason for return and the underlying arrangement. This is assessed on the documents.
Do you handle court proceedings on cheques?
Where a matter requires representation before the courts, we coordinate with licensed advocates or the competent authorities, in accordance with the scope of our licence.
Related services
Legal Notices and Demand Letters
Formal demand letters and legal notices drafted to state the claim clearly and on the record.
Learn more
Financial Claims
Assessment and management of financial claims arising from contracts, supply and services.
Learn moreDo you have a legal question or an overdue receivable?
Share the details of the matter and our team will review the request and set out the appropriate next step.