For Enterprise Finance Teams

Built for Businesses Like Yours

Unpaid invoices, disputed contracts & auto-renewal issues spanning multiple jurisdictions? Most agencies wouldn’t know where to start. We’ve spent decades handling these exact situations for some of the world’s largest businesses.

They're not a typical debt collection firm. The key is treating the clients with respect so we can renew these clients again & preserve relationships.

Rob Cook Commercial Director - GlobalData Plc
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Hear what our
clients have to say

Case Studies

Real cases.
Real results.

£1.2m Recovered Without Litigation

A multinational information services PLC with subsidiaries spanning five continents. Their internal credit team had exhausted every option on a portfolio of complex, aged international debt. They needed a different approach.

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$100k Settlement Negotiated in USA

A global technology company providing software to regulated industries worldwide. A six-figure USD contract dispute defended by US legal counsel and written off internally. They needed someone to break the deadlock.

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£170k Recovered in Under Eight Weeks

A global workforce solutions provider offering subscription-based platforms to enterprise clients worldwide. Three high-value disputed accounts, aged almost five years, that their internal team had been unable to resolve. A trial to see if we could deliver.

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How We Can Help

Complex Recoveries

Auto-renewals, disputed contracts, multi-year deals gone wrong, unpaid deliveries across multiple entities. Most agencies won't touch these situations. We built our entire business around them. The more complex the recovery, the more we come into our own.

Brand Protection

It takes years to build a commercial relationship and one bad phone call to damage it. When we represent your business, we carry your reputation with us. Every conversation, every negotiation & every touchpoint is handled with the same commercial awareness and professionalism your brand demands.

International Reach

Debt doesn't stop at borders and neither should your recovery strategy. We recover commercial debt across the UK, Europe, the USA, and beyond. Different jurisdictions bring different challenges. We know how to navigate every one of them.

No Win, No Fee

We work on a no win, no fee basis. You only pay when we deliver results. No retainers, no upfront costs, no hidden fees. Our success is tied directly to yours, which means every case gets the full weight of our attention from day one.

Full Transparency

Nothing undermines trust faster than silence. You'll always know where things stand. We provide clear, regular communication on every case and for larger portfolios, full access to our client portal for real-time tracking. Transparency isn't a bonus. It's built into everything we do.

We Handle Everything

Chasing overdue accounts drains your team's time, energy, and focus. It pulls your best people away from the work that actually moves your business forward. We take that problem off your desk entirely. You hand us the portfolio, we handle everything from there.

See How We Do It

Most agencies chase debt. We recover it. There's a difference.

Before we make a single move, we learn your business, your contracts, and the commercial relationships behind every case.

Every strategy is built on evidence, every conversation is commercially considered, and every outcome is designed to protect your brand while getting you paid.

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A look at
our process

UK & International Collections

Whether your debtors are based in the UK, Europe, the USA, or beyond, we recover commercial debt across borders with the same intelligent, strategic approach. We don't just chase payments. We analyse the situation, identify the right stakeholders, and build a recovery strategy tailored to each case. From single invoices to large portfolio instructions, we handle it all.

Disputed Contracts & Renewals

Disputed contracts and challenged auto-renewals are some of the most complex debts to recover. The debtor believes they have a reason not to pay, and that changes the entire dynamic. We specialise in unpicking these situations. Understanding the contractual position, identifying the obligations, and building a case that's difficult to argue with. It's not just about collecting a debt. It's about proving it's owed in the first place.

Debtor Tracing & Intelligence

Sometimes the biggest obstacle to recovery is knowing who to talk to. Key contacts leave, companies restructure, debtors go silent. We help track them down. But finding them is only the start. We build a complete picture of who you're dealing with. Their financial position, their assets, their corporate structure. So when we make contact, we already know exactly what we're working with and you have everything you need to make the right call on how to proceed.

Legal Escalation & Enforcement

Legal action is always a last resort. But when every commercial avenue has been exhausted, you need to know your agency has already laid the groundwork. The contract analysed, the timeline documented, the case built. If you choose to proceed, we offer both self-funded and fully funded legal options in the UK, and work with established legal partners internationally to see cases through to resolution.

Getting Started is Simple

01

Let's Talk

Get in touch and tell us what you're dealing with. We'll have an open, honest conversation about your situation and give you a straight answer on what we think is recoverable and how we'd approach it. No commitment. No hard sell. Just a conversation. If we’re not right for you, we'll tell you.

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We Do The Groundwork

Once you decide to go ahead, we get into the detail. Contracts reviewed, correspondence mapped, stakeholders identified, strategy built. For complex portfolios, we build bespoke workflows tailored to your specific requirements. When everything is in place, we move.

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We Take It From Here

Once we're in motion, we take full ownership of the recovery. Every conversation, every negotiation, every follow-up is handled by us. Your dedicated account manager knows your portfolio inside out and keeps you informed without dragging you into the detail.

Frequently Asked Questions

Have a question that’s not answered here? Get in touch with one of our friendly staff.

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  • How does your fee structure work?

    Simple. We work on a no win, no fee basis. You only pay when we deliver results. There are no retainers, no upfront costs for standard debt collection work, and no hidden charges. Our commission rates are based on the size and nature of your portfolio, and we agree everything with you before any work begins. No surprises.

  • Can you manage an ongoing portfolio or just individual cases?

    Both. We work with enterprise clients who instruct us on individual complex cases and those who hand us entire debt portfolios to manage on an ongoing basis. For larger portfolios, we build bespoke workflows tailored to your specific requirements, with dedicated account management and regular reporting. Many of our enterprise clients started with a single case and never left.

  • How do you protect our brand when contacting our customers?

    We represent your business as if it were our own. That means every interaction is professional, measured, and commercially aware. Our goal isn't just to recover the debt. It's to recover it in a way that keeps the door open. We want your customers to come back to you, and we want you to keep coming back to us. If you have specific guidelines on how your customers should be handled, we build those into our process from day one.

  • What types of disputes have you dealt with before?

    Pretty much everything. Disputed auto-renewals, challenged contracts, contested deliveries, customers refusing to honour agreed terms, multi-year deals that have broken down, debtors who have gone completely silent, invoices stuck in internal approval processes, and debts tied up in corporate restructures. Our background is in enterprise credit management, so the situations your finance team is dealing with are the same ones we've spent decades resolving. If it's commercial and it's complex, we've almost certainly seen it before.

  • How long does the recovery process typically take?

    Honestly, it varies. We've resolved cases in hours and we've worked others for months. It depends entirely on the debtor, the circumstances, and the complexity of the situation. We're not going to pretend that appointing an agency is a magic wand. But we've been doing this long enough to know exactly what buttons to press and when to press them.

  • What information do you need from us to get started?

    The more we have, the better we can work. Ideally we'd want copies of invoices, contracts, any relevant correspondence, and up to date contact details for the debtor. But don't let missing paperwork stop you from reaching out. We'll tell you exactly what we need during our initial conversation and work with whatever you've got.

  • How will we be kept updated on progress?

    Regular, clear communication as standard. Your dedicated account manager will keep you informed at every stage. For larger portfolios, we offer access to our client portal for real-time tracking and reporting. Either way, you'll never be left wondering where things stand.

  • What happens when commercial recovery isn't working?

    We exhaust every commercial avenue before we recommend anything further. But if a debtor simply won't engage or refuses to pay, we have options. We offer both self-funded and fully funded legal routes in the UK, and work with established legal partners internationally. The groundwork we've already done through the commercial process means the case is built before a solicitor ever gets involved.

  • How does funded legal action work?

    If commercial recovery has been exhausted and legal action is the right next step, you have options. You can self-fund the legal process, or for cases above £10k that meet our criteria, we can arrange fully funded legal action. This works on a contingency basis with an increased commission rate in the event of a successful recovery. The benefit for you is simple: you shift the financial risk of litigation away from your business while bringing in specialist legal expertise to pursue the claim. Not every case will qualify, but we'll always be upfront about whether it's a viable route.

  • What makes Turner Clifford different from other agencies?

    Most agencies work from scripts. We work from experience. Our leadership team has spent decades inside businesses like yours, managing international debt portfolios worth hundreds of millions. We've handled the same disputes, navigated the same stakeholder politics, and resolved the same complex situations your finance team is dealing with right now. That's not something you can train into a call centre. It's why we approach recovery differently, it's why we protect your relationships while we do it, and it's why the world's leading brands trust us with their most sensitive and complex recoveries.

Start the Conversation

Unpaid debts don't age well.

The longer they sit, the harder they become to recover, and the more they cost your business in time, focus, and resource.

If you're sitting on a portfolio of problem debt or a complex situation that isn't resolving itself, now is the time to do something about it. Reach out and tell us what you're dealing with.

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Testimonials
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