Our Collectors are continuously trained to rigorous standards and are committed to your requirements, creating a smooth and productive relationship. You will be assigned a dedicated commercial collections specialist who understands your specific business. They will operate in a way that protects your business interests and your reputation. We also give you constant access to our ACT Online system, where you can see real-time updates reflecting exactly what is happening within your accounts.

If a commercial invoice is overdue, you can claim statutory interest of 8%, plus the Bank of England base rate, for business-to-business transactions.

A payment is deemed late 30 days after your invoice was received, or 30 days after you delivered the goods or services agreed (whichever is later) – unless you have already agreed an alternative date to settle the debt.

You can charge penalty fees for each unpaid invoice, depending on the amount of debt owed, see the table below for more information.

We can manage the penalties and interest charges on your behalf and successfully recover these from your late paying customers.


Amount of debt
What you can charge
Up to £999.99
£1,000 to £9,999.99
£10,000 or more
If you need advice about recovering commercial debts, or would like to discuss your specific requirements, please do not hesitate to get in touch with our expert team.

Read more about our other services

Consumer Collections
Our dedicated team of expert negotiators will recover your debts in a professional and effective manner.
Commercial Collections
ACT provides a personalised commercial recovery service through our dedicated and experienced commercial collections team.
International Collections
We successfully collect debts from more than 100 countries throughout Europe, The Americas, Asia and Africa.
Student Collections
With over a decade of experience and more than 100 higher education clients, we have unrivalled expertise in recovering student debt.
Healthcare Collections
We have a proven record of success providing long-term, tailored solutions to private hospitals, NHS Trusts and clinics across the UK.
Outsourced Credit Control
Working as an extension of your business, we provide you with a comprehensive, expertly managed credit control solution.
Legal Services
Our in-house legal service offers personal support and guidance for all of your legal needs.
Tracing Services
Our tracing solution combines the latest technology with years of experience using proven and successful techniques.
Credit Reports
We offer a wide range of credit reports for individuals and businesses.

Our services include live access to our innovative ACT Online tool, which displays up-to-date, detailed information about all of the accounts we handle for you. This is representative of our cohesive, transparent approach to all areas of our business.

Our fees are simple and fair

ACT’s fees are based on the amount we recover from your customers, which means we are focused on achieving outstanding results. We offer excellent value for money for a high-quality service.

With us, you can be assured of:

No collection, no fee No upfront fees No placement fees No hidden fees No membership fees No tie-in contracts