Master Collections - award winning debt collection

Award winning credit control and debt collection

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Master Collections case studies

Master Collections services:

Debt Collection Master

The debt collection solution for debts which have been outstanding for more than 40 days.

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Credit Control Master

Credit Control Master is designed to handle the entire credit control cycle and offer a series of cost-effective packages.

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Master Club

Legal, enforcement, credit referencing, a legal manager and other credit management benefits.

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Case studies

Please note unless stated otherwise costs saving on the issue of county court claims and enforcement of CCJs is based on costs prescribed by the Civil Procedure Rules, bigger savings are made if solicitors charge typical hourly rates or fixed fees.


TLC (Southern) Ltd

TLC is an electrical wholesaler and distributor with 23 branches nationwide and an annual turnover of £43 million and has been a Master Club member for four years. In that time we collected over £64,000 worth of bad debt, including old debts that had formerly been placed with a well-known firm of solicitors in Liverpool which could not collect. TLC utilise full range of debt collection services from no collection no fee debt collection to the issue of county court claims and enforcement of CCJs.

Costs Saved

Based on 24 county court claims issued and 22 judgments enforced, including legal advice TLC achieved a cost saving of approximately £6031.

Case study

A debtor owing £1,649 tried to avoid paying because he said his father who owned the business was dead and the business had nothing to do with him. Master Collections query management service discovered that the mother inherited the business and then passed it onto her son. As a result we were able to challenge the dispute and pin liability on the son with the result of full recovery of the outstanding balance.

What the client says:

We have used Master Collections since 2008 and they have become an integral part of our debt collection process. In particular the experience of Carlo Pegna has been invaluable when dealing with more challenging debtors with whom he has needed to negotiate a settlement. We are pleased with the service that they offer and the results that they have obtained.

Lynda Stevens, Company Accountant, TLC (Southern) Ltd


OneSource Information Services

Multi national data supplier that supplies data subject to an annual subscription incorporating an auto renewal clause. The business has an annual turnover of £12 million. Master Club member for four years, in that time we collected over £250,000 of bad debts, incorporating three month or more old debts.

OneSource utilise full range of debt collection services from no collection, no fee debt collection to the issue of county court claims and enforcement of CCJs.

Costs Saved

Based on three county court claims issued and one judgment enforced including legal advice a cost saving of approximately £1,200.

Case study

A debtor, a research company, owed £10,746. As a result of no reply to letters or telephone calls we carried out an investigation into the shareholders of the company to discover that the major shareholder is one of the biggest advertising agencies in the world. Our legal manager Carlo Pegna, who is a qualified legal executive, escalated the matter to the advertising agency.

Shortly after a telephone call with the legal manager of the advertising agency, Carlo received a telephone call from the management consultant of the debtor. The consultant expressed his disappointment in getting the major shareholder involved. He challenged liability on grounds that allegedly notice of termination was given and offered to pay 25 per cent of the outstanding balance.

Carlo insisted on full settlement because notice of termination was not given as per his client's terms and conditions. The management consultant then said he would have to get approval for settlement of the full balance.

Carlo received an email the day after from the procurement manager making the same arguments as the management consultant the day before. Carlo sent a reply copying the legal manager of the major shareholder, dismissing his arguments demanding 90 per cent of the contract price. The debtor agreed settlement and the client received 90 per cent of the contract price within two days.

What the client says:

We have been working with Master Collections for 4 years and have found them to be highly professional and responsive in all our dealings, and very successful in collecting our aged debt.

Martin Bromfield, Director of UK and European Clients


Direct Transportation

Road Haulage firm with an annual turnover of £3 million. Master Club member for one year. Debt collection of outstanding invoices that were two months old with a total value of £44,100 from a building services contractor.

Costs Saved

As a result of discounted city solicitor rates offered to members Direct Transportation saved £2,000.

Case study

After carrying out preliminary investigations we resolved that the best approach was to threaten the debtor with liquidation because their credit report confirmed a winding up petition was previously issued and dismissed. In all likelihood the dismissal was the result of settlement of the debt, suggesting the debtor would take the threat of liquidation more seriously than county court proceedings.

However on receipt of our Notice of Intent to Liquidate the debtor raised several disputes and a counterclaim. The matter was passed to Carlo Pegna at Master Collections who dealt with each dispute systematically and in so doing dismissed the debtor’s counterclaim.

Despite resolving the disputes the debtor insisted on their counterclaim and issued a county court claim against the client. The debtor’s claim was based on the same disputes ignoring the fact that they had been resolved by Carlo. The matter was passed to our panel solicitor to defend and raise a counterclaim for the debt. On the strength of Carlo’s dispute resolution the solicitor recovered the full amount, plus costs and interest.

What the client says:

Master Collections gave us the confidence to proceed with our claim and true to their word provided a first class service from start to finish with a fantastic result at the end.

Ian Booth, Director


Georgian Recruitment Services Ltd T/As Select Appointments

The biggest independent Select franchise in the country with an annual turnover of £12 million, and a Master Club member for four years.

Georgian Recruitment Services utilise Master Collection’s dispute resolution to challenge applications to set judgment aside and resolve debtor disputes over their commission. Although they use the services of a well known solicitor in Liverpool should matters be defended or disputed they are passed to Master Collections because Master Collections offer a more cost effective service.

Costs Saved

The firm saved £3,360 using Master Collections when compared to the fees charged by a law firm..

Case study

From time to time the client receives disputes over their introductory fees. Master Collections as part of Master Club membership were asked to review dispute resolution to avoid legal proceedings. As a result Carlo Pegna drafted a template dispute resolution letter for the client to use.

What the client says:

We have had excellent results with our debt recovery and other challenging legal issues. We have found Carlo’s knowledge and experience to have been invaluable and therefore have no hesitation in recommending Master Collections to any business.

Sarah Bond, Finance Manager


Kingsbury Builders Merchants Ltd

Builders merchants with an annual turnover of £2 million. Kingsbury utilise full range of debt collection services from no collection no fee debt collection to the issue of county court claims and enforcement of CCJs as well as risk trackers to monitor changes in customer’s credit profile.

Costs Saved

The firm saved £300 based on 138 risk trackers and £264 based on the issue of two county court claims and enforcement of the same.

Case study

An 18 month old debt of £3600 recovered from a debtor in Jersey. After researching the bankruptcy process in Jersey and knowing from client that the debtor is a millionaire we threatened the debtor with the Jersey equivalent of bankruptcy. The debtor settled the outstanding balance within 48 hours of making said threat.

What the client says:

I have been using the services of Master Collections for over 3 years now, and I would like to say that I am really pleased with services provided. When we have had issues with my clients paying outstanding debts, the firm are professional, accommodating and proficient in regards to resolving any debts to be collected. I would highly recommend Master Collections to all my associates and business partners.

Suresh Patel, Managing Director


Umar Ahmed

Umar Ahmed is a landlord with property in Slough who has used the services of Master Collections for the last two years.

Costs Saved

Based on preparation of Section 21 Accelerated Possession and eviction £560 at £140 per hour alternative.

Case study

Our client was anxious over rent arrears which had been outstanding for over four years. The previous solicitor that handled the arrears served the tenant with a section 8 notice, the timing and complexity of which put the client off. When the matter was referred to Master Collections, Carlo Pegna noted that the client was entitled to issue accelerated possession proceedings. As a result the tenants were evicted much quicker than the client was lead to believe by the previous solicitor, and the process, including management of enforcement officers, was seamless.

What the client says:

I have found Master Collections to be fully aware of customer needs, efficient and committed to deliver. Although they didn't initially provide for a service I needed with one particular case, Master Collections willingness and personal touch gave me the confidence that they can take this case on and deliver, and in a very short period they did, the outcome was as desired. We will continue working with Master Collections, their concept, facility, capability and personal touch is certainly great value for money

Umar Ahmed


Anglo Dutch Meats (Charing) Ltd

Meat wholesaler and abattoir with an annual turnover of £4 million. They have used the sevices of Master Collections for the last two years.

Case study

The client instructed a firm of solicitors to issue legal proceedings against a debtor for recovery of £5,626.35. As a result of the debtor raising a defence and counterclaim legal proceedings got protracted with the result of escalating legal costs. The solicitor, who was charging the client £280 plus VAT an hour, suggested that they look at a more cost-effective alternative, hence the matter being referred to Master Collections.

Carlo Pegna took charge of the matter, and as a result Master Collections helped the client challenge an application by the defendant to vary the terms of settlement and got leave from the court to apply for a charging order as security against the debt at a fraction of the cost the solicitor would have charged. After eight weeks from the date of registration of the Charging Order the client received confirmation from the debtor’s solicitor confirming that they are in the process of selling the farm and when necessary will allocate the proceeds of sale consistent with the Charging Order.

What the client says:

Although happy with the service of our solicitor, we invested in Master Collections as a result of his recommendation that we look for a more cost effective alternative. Master Collections matched the service supplied by the solicitor at a fraction of the cost with the desired result. I am happy to recommend Master Collections to any business put off by solicitors costs, because Master Collections get results without leaving a hole in your pocket

Stephen Saunders, Director


Hiremech Ltd

Supplier of fork lift trucks and warehouse equipment with an annual turnover of £4 million. The company has used the services of Master Collections for over three years.

Case study

Client was owed £4582 by a blue chip company in unpaid rental charges for a battery powered van. As a result of the issue of legal proceedings for the recovery of unpaid rental charges, the blue chip company issued a defence and counterclaim on the basis that the van was not of a satisfactory quality.

The blue chip company instructed solicitors who requested that the matter be allocated to the fast track. Client did not want to run the risk of paying the solicitors costs if they lost and instructed Master Collections to allocate the claim to the small claims track where costs are irrecoverable.

The court set a case management conference to determine allocation where with our help the client successfully had the claim allocated to the small claims track. At the small claims hearing the judge agreed with our submission that the issues surrounding the claim could not be determined without an expert and ordered the appointment of a joint expert much to the disappointment of the blue chip company. The hearing was adjourned and a settlement was reached out of court for the full sum claimed.

What the client says:

Hiremech Group have been associated with Master Collections for the past three years. They are a very professionally run organisation, and we use their credit management services when our own credit control department has failed for whatever reason to progress an outstanding debt.

Perhaps more importantly, we quite often during the course of a year seek their advice on legal matters of a commercial nature, whereas previously a solicitors services would have been required; the cost savings for this service alone makes their Master club membership very good value.

Finally it must be said that we greatly appreciate the convenience of being able to get sensible legal advice by picking up the telephone, and talking to a knowledgeable professional.’

Roderick Smith, Commercial Director



The world's fifth largest accountancy organisation, with more than 1,000 offices in over 100 countries.

Case study

BDO as a result of their appointment as administrator for a electrical distributor instructed Master Collections to collect seven aged debts with an average age of three years and combined value of £4500. Master Collections developed a bespoke process in consideration of the difficulties collecting stale debts.

Instructions were received in bulk format electronically and letters of claim sent out subject to BDO's approval. BDO were allocated an experienced account manager that is a Legal Executive who reports at each stage of the process. It became clear after achieving a nil recovery rate from the first letter that there was a need to escalate proceedings.

As a result of the experience and expertise of the account manager Master Collections formulated an effective strategy that achieved a high success rate. In just 3 months Master Collections collected 95% of the debt instructed without the cost and stress of legal proceedings.

What the client says:

As Joint Administrators of an electrical distributor we were presented with the remains of a significantly aged debt ledger following a successful collect out by the incumbent invoice discounter. We approached Master Collections and, due to the anticipated difficulties of collecting aged debts, agreed a No Collection No Fee process.

Despite the ageing of the debts Master Collections were able to achieve a recovery rate of 95%, over a short period of time, representing an excellent return to the Administration estate. The speed and flexibility of the approach taken by Master Collections, coupled with the excellent recovery rate, has provided us, as Insolvency Practitioners, with a relatively risk free and efficient solution to a difficult debtor collection

William Turner, Business Restructuring Director, BDO (UK)


For more information call Master Collections on 0333 456 0374.