What Actually Happens When You Refer an Overdue Account?

Many businesses delay referring an overdue account because they are unsure what will happen next.

They may worry that involving a recovery agency will immediately lead to aggressive communication, legal proceedings or damage to an important customer relationship.

Professional debt recovery does not have to work that way.

Reviewing the account

Westbury Collections begins by reviewing the available information, which will usually include:

• The unpaid invoices

• The debtor’s contact details

• Any contract or purchase order

• Previous correspondence

• Details of payment promises

• Information about any dispute

This allows us to understand the history of the account before making contact.

Contacting the debtor

We contact the debtor professionally by telephone, email or written correspondence. We explain the balance, identify the client we represent and request payment or a meaningful response.

In many cases, structured communication is enough to restart a conversation that has stalled.

The debtor may pay, propose an arrangement, explain a financial difficulty or raise a dispute that requires further examination.

What happens next?

If the account is disputed, we review the reason being given and any supporting information. Some disputes can be resolved by clarifying the position or supplying missing documents. More complex matters may require negotiation, legal action or, in suitable construction cases, adjudication.

If immediate payment is not possible, a realistic and properly recorded payment arrangement may provide an alternative solution.

Clients are kept updated throughout the process. Where a decision is required, we explain the available options, costs and risks before further action is taken.

A professional extension of your business

Our approach is professional, transparent and commercially focused. Wherever possible, we aim to recover payment amicably while treating everyone fairly.

Westbury Collections offers qualifying recovery services on a No Collection – No Commission basis. If legal action or another specialist service is required, any additional costs will be explained before proceeding.

If you have an overdue account but are unsure whether it is ready to be referred, contact Westbury Collections for an initial discussion.