http://www.tenable-debt-collection.co.uk/ The words “debt collection” comes with a lot of stigma. Over the past few years this industry has been tarnished due to unlicensed companies. This makes it difficult for people to know where to turn when they need to collect a debt. Tenable Debt Collection is a subsidiary of Tenable Solutions Limited and we hold a fully up-to-date consumer credit license; this allows us to legally collect debts. We are proud to say that we use effective AND lawful techniques to collect debts whether they are commercial or personal. Many debtors are using the current economic climate as an excuse for the debt and on the back of this are offering token payments in respect of their debts. We work solely for you and we will work with you to find a repayment that suits you – if this cannot be adhered to there are other options available which you may not have considered. If the debt is owed to you by an individual you could have a charging order placed on their property – this would mean that you hold a charge on their property and it would need to be paid prior to the sale of a house in the same way their mortgage would. Another option could be issuing a Stat Demand for bankruptcy; this is a very, very effective way to collect a debt especially if the debtor has assets or is afraid of the publicity that bankruptcy brings! You could even do both – this would mean that if the bankruptcy was granted you would still hold a charge on the debtor’s property. If the debt is owed to you by a company then there are also various routes you can go down, a petition can even be issued to “wind-up” the company. Of course the above options are examples; your individual case would be assessed and then you would be advised on the best course of action. One thing is for certain though – we do not send numerous letters to the debtor in the hope that at some point they make contact. We use all our knowledge and facilities to get your money back and recover your costs. We firmly stand by our company ethos to be honest with our customers, there are no hidden charges. Our experienced staff has a wealth of knowledge on all aspects of debt collection – they can be contacted during office hours to receive a no obligation quotation. We have a unique way of collecting debts, without the strong arm tactics. We enjoy a 98% success rate collecting debts within the first 21 days. We have our own unique system for collecting debts, dont waste your money with companies saying they can collect debts by letter writing, and ploys to get your cash, this as you will know does not work. We have the one stop solution, you will be amazed at our results. So don't give up on those unpaid invoices or hope that they'll come through "soon". Eliminate the doubt and get your cashflow back! Please contact us today for more information, or complete the form below. Debt Problems You may be in debt yourself because you are not getting paid ? If you think you are in serious debt then it is always best to seek help at the earliest opportunity before it gets worse. “Remember” a problem shared is often a problem halved and can soon help get rid of those sleepless nights and relentless creditor pressure. If you have already in your possession, CCJ`s, Statutory Demands, Petitions for Bankruptcy or Petitions for winding up of your business, we have the answers. Don’t delay; ring our experienced team of experts today. jehzrg3eyzuuxj7kfmm6 http://www.tenable-debt-collection.co.uk/debt-collection-between-businesses.html If you have money that is owed to you by a customer or client, it is in your best interests to retrieve that money at the earliest possible date. Bad debts from customers can rapidly become the death of your business, as you are spending money without receiving any return on it. It is not just banks that have to take the problem of debt collection very seriously, businesses have to as well or it could very easily mean the end of their business. Collecting money is often a treacherous process, especially when times are tough and people are looking to hang onto as much money as possible. However, if you are owed money, it is important not to be too soft when trying to collect it. If you aren’t given full payment on the date that you agreed, and you aren’t given a good enough reason for this, you need to get tough before this problem becomes bigger. It is understandable that many businesses can suffer from cash flow problems which make it difficult for them to pay you; however, if they entered into an agreement with you, that money is basically yours. You may have difficulty contacting them, and their employees may be extremely busy, there are plenty of reasons why a company would not be able to pay you, but at the end of the day that money is owed to you and unless they are completely unable to pay it to you, you have a legal right to it. There is no need to harass a company about the bill, and is certainly not a good idea to get abusive towards them, it is important to find the right line between ensuring that you collect your money and maintaining an amicable relationship. In many of these situations, businesses rely on repeat business from certain customers, so severing ties that you may have with a longstanding customer is never a good idea. However, if you have worked with someone before, they should know full well the agreements that you have made, and if they look to be trying to get away with not paying you, legal proceedings may be the only way forward. If you regularly remind the other business in writing about the agreement, with full details of the payment required, you can be sure that they hear you loud and clear. By keeping everything in writing, you also have a good amount of evidence if the case ever goes to court. If you are patient throughout the process of debt collection, you will find that you will feel much less stress about the situation. The law protects you and it is highly likely that you will get your money, whether through the court or directly. Hiring a debt collection firm to handle the problem can be a fantastic way of recovering the money that is owed to you. These people will be professionals and will be able to use various techniques to recover your money, without you ever having to get involved in the process. Some debt collection agencies have ingenious methods of recovering your money legally from the debtor, and they can do it in an amicable way if you so wish. If you want to get your money back as quickly as possible, with the least amount of fuss, hiring a debt collection could be your best option. Debt collection is a vital part of any business, but it is often seen as something of a dark art, which is simply not the case. It can be a stressful process but can be made a whole lot easier by hiring someone to handle it for you. Even major banks and huge businesses use debt collection firms, as they are the most efficient and easy way of getting back money that is owed to you. 58pudxvgr72nrsnjesw7 http://www.tenable-debt-collection.co.uk/debt-collection-techniques.html Most of your customers will pay you back when you ask them to, perhaps even sooner. You could spend years dealing with customers, sending them invoices, and expecting payments and it’s very possible that you won’t have any problems at all. However, it is extremely likely that at some point in the lifespan of your business, you are going to have problems with debt collection. Sometimes, your customers or clients will simply not have enough money to pay you back, or it could be the case they just don’t feel the need to pay you back promptly. Whatever the reason, debt collection can cripple your business and is a slippery slope that you do not want to start sliding down. In order to procure the payment that is owed to you, there are various things that you can do, various techniques that you can use, and various people you can talk to. Don’t assume that it is entirely the fault of your customer that they have not paid you. It could be that they are in a similar situation and are waiting for payment to come through, or they may not have received your invoice when they should have. It is important to ensure that your invoicing was completed properly and that there are no external factors stopping your customer from realizing that payment is due. If you are certain that something is amiss, then it’s time to start taking action by sending reminders to your customer regularly. Do this every week or slightly more often, but don’t simply bombard them with letters or e-mails. A good guideline is to take into account how long it would be take for your customer to reply; once that time has passed, then leave another day before sending another reminder. This ensures that you aren’t harassing them but are making it clear that you are unhappy with their behaviour. If the reminders are repeatedly ignored, the next step is to get on the phone and try to talk directly to your customer. This is an important part of the process, since it will generally tell you whether the situation is going to be resolved, or if your customer is deliberately avoiding you and is not interested in paying. It is vital not to be abusive or aggressive when talking on the phone, since it could well be used as evidence against you if the situation becomes a difficult legal battle. Try to remain calm and be professional throughout any contact or correspondence with your customer, this will be a useful trait to call upon if you end up in court. At this point, assuming no resolution has been achieved, you should look to hire a debt collection agency to take the process further. The agency will look to use various techniques in order to retrieve the money that is owed to you, and they will fully understand the legal implications of the situation. They will generally have a high success rate of collecting debts that are overdue, and will have their own special techniques to do this. Some people are reluctant to call a debt collection agency, for many reasons. However, a successful agency will always be extremely professional and will understand what is required in order to get the job done. They will not use aggressive tactics and will know exactly how to react to different situations as they develop. Debt collection can be a tricky process and embarking upon it yourself can be treacherous, so it is best to leave it to the professionals. These problems are almost impossible to predict, and previously fantastic business relations can turn sour very quickly because of unpaid debt. If you remain professional throughout these problems, you’ll find that you will almost always retrieve the money that is owed to you in the end. In order to reduce the amount of hassle and stress that you can put yourself under, ask a professional for advice on the situation and look to reach an amicable solution before things spiral out of control. 4m1j38j9xywjc422dgwy http://www.tenable-debt-collection.co.uk/debt-collection-outsourcing.html If you try and take on everything yourself, your business will begin to suffer as instead of focussing on one thing, you are stretching yourself among various different things that you may not be particularly good at. Many businesses have learnt this lesson and have grown through outsourcing certain parts of their business to external companies. In this way, they are effectively hiring new employees who are specialists in a certain area. This works especially well when you only need a particular type of skill once in a while. For example, sometimes your customers may not be prompt with their payments, and you may need to hire a debt collection agency to retrieve the money that is owed to you. There is little point in hiring a team of people to handle this sort of situation internally, because it is not particularly common, so outsourcing is the best option. Outsourcing saves businesses millions every year, and it is not surprising that some of the biggest organizations in the world outsource massive amounts of their work. Many can credit their success to outsourcing at the correct time and knowing when professional help is required, a skill in itself. Businesses around the world will all face cash-flow problems, and many will fail because of a lack of financial constraint. Others, however, will fail because they did not take their debt collection seriously enough. Business to business debt collection can rapidly turn the very closest relationships sour, but it is more important that you get your money back than you maintain certain relationships. After all, if you are having such trouble getting money from a customer, it is unadvisable to continue dealing with them anyway, since they could leave you in a more difficult position in the future. If you are owed money from various companies across the globe, then outsourcing the debt collection to companies in the right countries can completely change your business. A common pitfall of international business occurs when payments are not made and communication begins to break down, so it simple makes sense to hire a team of people who can handle your situation correctly and communicate properly with the customer. It is all too easy to ignore the collection of your debts, and often businesses wait far too long before taking action to retrieve the money that is owed to them. This is especially the case when businesses are operating in different time zones; when businesses are unable to talk on the phone at a suitable time, and are unable to keep a good record of communication. Different cultures around the world can have large effects on international business practices, so try to understand that there may be genuine reasons why a customer has not been in touch with you. If, after lengthy correspondence and continuous reminders, your customer has still not given you a decent reason for not paying, it is time to start looking into further action, which is when the debt collection agencies come to the fore. If you choose a reputable debt collection firm with a high level of success, you’ll instantly be improving your chances of retrieving your money hugely. A good debt collection agency will also help you avoid the hassle of constantly trying to get in touch with your customer. The agency will have an excellent understanding of the legalities that surround debt collection and will keep you informed as they go through the process. They will have their own professional techniques to get back the money that is owed to you. As with so many other financial decisions, seeking professional advice will almost always be the best path forward, and the short term cost of professional help will soon become trivial compared to the money you could gain from quality service. 2knyttr5ybhf28h5arjb http://www.tenable-debt-collection.co.uk/how-to-handle-debt-collection.html How to handle debt collection Every long standing business has difficulty collecting debts at one point or another. This could be for many reasons but the problem generally stems from a lack of communication or simply cash flow problems for your client or customer. It’s all too easy for debt collection to become a major problem for businesses as they struggle to keep up with the present running of the business, whilst also looking into the past at deals that should already have been completed. There are plenty of steps you can take to ensure that you are paid back the money you are owed, in full, and in good time. Make sure that nearly all your correspondence is in writing and has been printed, documented, and dated. These steps will ensure that if the case ever goes to court, you have solid evidence that plenty of attempts were made to communicate with the debtor. It is also very difficult to avoid letters, whereas phone calls can easily not be answered, and of course people will always claim not to have received an e-mail. Phone calls could also lead you into becoming aggressive or abusive towards your customer; you may not think this possible but it happens frequently as people let their emotions get the better of them. Be precise with everything you send to your debtor. It is obvious that you require paying, but what exactly for? On what date? If you explain everything fully and tell them every single detail of the payment you are owed, you are more likely to receive a positive response. Full explanations will also help you in court, since sometimes this sort of case collapses because the creditor had not provided full information or directly requested payment. Although it may take longer than a quick e-mail begging for payment, writing full and descriptive letters will help you in the long run and are more likely to receive a good response. Remaining professional and polite at all times during the process is probably the most important thing you can do. If you let emotions take control, you’ll do something you regret and you may never see the money that is owed to you because of it. If you remain calm and try to be as patient as possible, whilst also being authoritative, your chances of success are much higher than if you start kicking and screaming the moment anything goes wrong. If you put yourself into the shoes of the person you are trying to talk to, it will help you stay patient; imagine struggling with cash flow and having various people hounding you for money. If you are polite you are more likely to hear back from your debtor who will often confide in you the real reason for their delayed payment. Try to work with the debtor to ensure that your relationship remains strong, rather than simply working against him to get your money back. It may be that your debtor is simply having very temporary financial difficulties, and will be able to pay you in the future. Far too many long term business relationships have been broken because of a simply misunderstanding or short term problems; again this is when it is important to understand the problems your debtor is facing. Some businesses become embroiled in huge legal battles over tiny payments, primarily because the issue has become personal and both business owners are determined not to back down. It is important to look at everything objectively, and to remember that losing a small amount of money to a debtor could be preferable to spending months chasing it up. Your business needs everyone working towards progress rather than looking backwards towards past difficulties, which is why certain issues with debtors simply have to be let go. Professional help will always increase your chances of retrieving your debt, and could be a huge help in maintaining long term relationships with your debtors. A professional debt collection agency will be able to handle the process with minimal hassle and with a high chance of success. ktr6upc3lp1tnp211mp3 http://www.tenable-debt-collection.co.uk/the-vicious-cycle-of-debt.html Imagine this simple scenario that has happened to thousands of businesses over the years. Your business is flourishing, with rising profits and increased efficiency allowing you to cut costs and increase margins; you’ve even been able to start producing more because you are confident in your increased capacity. Your outlay is generally quite high per order, but the profit is also quite high. Once you have sent each order out, you patiently await payment from your customers, which ordinarily comes promptly. This process continues for years until suddenly things start to take a turn for the worst. One or two of your customers has been getting progressively later with their payments, perhaps they are taking advantage of the long relationship you have built with them. This has meant you are late on your loan repayments, but everything is settled once the payments finally come through. However, you begin to realise that these customers are struggling, and you can see that they are having difficulty paying you. They promise that everything Is OK, so you continue to do business with them until one month no payment comes, you patiently wait for the late payment but this is still not forthcoming. Soon, you’ve got two orders that haven’t been paid for, and you’re hearing little from your customer other than empty promises to pay sooner rather than later. Months go by and the debts have begun to mount, not only for your customer, but for you as well. Your loan repayments are becoming a real issue, and you’re running out of cash, you’re soon going to be heading into the red. This cycle continues until you are under huge pressure and you are unable to repay your loans; you are also unable to fulfil orders for paying customers and soon your business has failed. This scenario may seem far-fetched, but if you change just a few details it could be an accurate account of the failure of thousands of businesses. The fact is that once you start struggling to collect debt from your customers, you’ll be in debt very quickly yourself. This vicious cycle has been the downfall of too many people, and it is completely avoidable. Although you will want to maintain an amicable relationship with your customers, sometimes tough love is required. At first, you don’t want to sever the ties you have made with people you have worked with over the years, because their business could be quite important. Sending forceful but kind reminders and asking for clear explanations for lack of payment are good ways to ensure that your concerns are being heard. If, after waiting patiently for a response or a genuine reason, you still are not satisfied that your debt is about to be repaid, it’s time to take further action. This is when hiring a debt collection could be the best option, since it could allow you to retrieve the money that is owed to you without getting too stressed by the whole process. A good debt collection agency will have plenty of tools at its disposal to tackle the issue of customers not paying you. They will use various techniques that will try to maintain an amicable relationship between the two businesses whilst also being forceful. A reputable debt collection firm will instantly improve your chances of retrieving the money and will have years of experience in making sure that you are paid in full. Although you may be apprehensive about hiring “debt collectors”, believing them to be vicious companies that strong arm people into giving them money; they are in fact very good, professional people. The debt collection firm will be able to tell you exactly how to avoid problems like this in the future and will try to make it as pain free as possible, keeping you away from the process as much as possible until the money is deposited in your business’ bank account. 6u7j1x4r1vyg8d3y8r81 http://www.tenable-debt-collection.co.uk/site-map.html Site Map qhxk3v5y7burcgm48tj9 http://www.tenable-debt-collection.co.uk/links.html Link to Us 9uk5k7nnz7kjnhdt569c http://www.tenable-debt-collection.co.uk/contact.html Dont let your debt problems make it worse for you. No matter what problems you face today, we can help them go away with our unique one visit solution. Acting quickly is the key to survival and the key to success: with us working together we can overcome any obstacles in your way You are still in control: let's keep it that way. Call today for a free chat with one of our advisors or alternatively email us or submit our callback form (right), and we will call you back at a time to suit you. Call FREE 0800 4 96 95 94 CALL TODAY..WE ACT TODAY..THE WORRY STOPS HERE Our sole aim is to put you back in a position where you can take your company to the next level and stop the worry of what you may be experiencing now. You have nothing to lose by seeing us, and you will pick up information that will assist you in moving forward. We can only help if you make the first move and call us, for our FREE advisory service, where one of our business rescue professionals sits with you and works out the solution's that is right for you. Tenable Solutions Limited Unit 3 Thornes Office Park Monckton Road Wakefield West Yorkshire WF2 7AN t: 0844 855 0 225 f: 0844 855 0 229 www.tenable-solutions.co.uk www.tenable-business-support.co.uk www.tenable-accountancy.co.uk www.pure-financial-management.co.uk Consumer Credit Licence.625591 Data Protection Act Registration number Z1579853 dzpznks187a9jvxw2sjk http://www.tenable-debt-collection.co.uk/tenable-accountancy.html Tenable Accountancy Services offers a friendly impartial professional service to sole traders, partnerships and small limited companies. Are you are struggling to keep on top of your business finances? We offer a totally unique service that is tailor-made to suit your business’s individual needs. We pride ourselves in providing an efficient and affordable bookkeeping solution that takes the stress out of dealing with your finances and allows you to concentrate on what you do best, running your business Some of the many services we provide include: ® Sorting your paperwork and records (including inputting on to computer) ® VAT Returns ® Self Assessment ® Report producing In addition we can offer advice on: ® Effective debt collection. ® Assistance on elegant exit strategies – do you want to sell? ® HMRC advice – to ensure you are being compliant and to solve any problems/queries. ® Advice on cashflow issues. ® Help raising finance. ® Financial planning advice – both short & long-term. ® Advice on legal matters. Call us today and see what a difference we can make to your business! 0844 855 0225 ywq7787z2vhw9p4f1c4f http://www.tenable-debt-collection.co.uk/Pure-Financial-Management.html Pure Financial Management-Debt Management Plans Offering you Pure impartial advice for a brighter financial future Are you struggling to meet your minimum repayments to your credit cards, loans, catalogues or store cards? Call Pure Financial Management today. With one simple phone call we can offer you expert advice based on your situation that is impartial and covering a wide range of options. What are the advantages of Debt Management? ü You only pay one affordable monthly payment ü You will have your own Personal Finance Manager ü We will liaise with all your creditors ü We will ask creditors to freeze interest and charges ü We will pay your creditors on your behalf ü We will help you to gain control of your finances htrzlmpec2vle8kaafct http://www.tenable-debt-collection.co.uk/business-support.html In these uncertain economic times we firmly believe in the importance of being proactive. This is how some companies survive while others fail. You may be a member of organisations such as Business Link or The Federation of Small Businesses but are they fulfilling your needs? Many companies that we come across have informed us that they are simply not receiving the required support. Other options may be to visit your solicitor; this can be costly and does not always solve the long-term problem. To our knowledge the Business Support Service is a completely unique product; the package is tailor-made to suit your business’s individual needs. You will be given access to a personal account manager who will be on hand to provide support not just during office hours. We understand that most people in business do not work “9-5” therefore you can contact your personal account manager in the evenings and on weekends too. Whenever you feel you need some friendly, impartial advice. All our services are in-house; we have a fully trained and experienced legal department as well as our own accounts department. Once you become a member of the Business Support Service you will be assigned your own personal account manager. Your account manager will oversee all of your queries and ensure that you have the answers quickly and in terms that you understand. The Business Support Service can help you no matter what level you are at. It doesn’t matter whether you are a Sole Trader or a large Limited Company. We have a wealth of knowledge to assist and share with you. Just some of the services included in our package are:- · On site visit from your Personal Account Manager (if required) · Access to your Personal Account Manager during office hours, evenings & weekends · Advice on all legal matters · Ensuring that your assets are protected correctly · Advice on effective debt collection · Assistance on elegant exit strategies – do you want to sell? · HMRC advice – to ensure you are being compliant and to solve any problems / queries · Advice on cashflow issues · Help raising finance · Financial planning advice – both short & long-term · Assistance with CCJ’s, Stat Demands, Winding-Up Petitions, Writs of FIFA · Monthly Newsletter FREE Credit Checks for Members The above list is not conclusive; if you have a specific requirement that is not listed please do not hesitate to contact us for a friendly, informal chat. Once you become a member of the Business Support Service you will be issued with a membership card. From the moment you register with us you can begin to utilise our services and knowledge on the issues that concern you. x4dt5zwle6t958h1a1wc http://www.tenable-debt-collection.co.uk/business-recovery.html We are dedicated to help businesses throughout the UK, to deal with and move on from situations in which they may face financial difficulties. No one likes to think about the possibility of things going wrong, if and when the worst does happen, it`s reassuring to know that Tenable Solutions with its team of professionals are perfectly qualified to help you get through it. Our team has a unique combination of commitment, professionalism, expertise and attention to detail and are only interested in you and your needs, not that of your creditors. This means we can deliver a solution that will always be best suited to your specific needs and circumstances. When you are under growing pressure from the Banks, HMRC, (Tax or Vat issues)Creditors and possible house repossession, it can sometimes seem as if there is no way out. However, Tenable Solutions can show you many practical alternatives and options by drawing on our unrivalled knowledge and experience, carefully co-ordinating each separate element to deliver a fully integrated, timely and above all, effective solution. There is very little help out there for businesses; Accountants and Solicitors often do not understand your needs and indeed in some cases, “company law”, so invariably you get steered down the unnecessary path of Insolvency. We at Tenable Solutions are committed to working in your interests and no one elses, to protect your assets and minimize your liabilities. We have a network of professional lawyers, barristers, Insolvency Practitioners, Accountants, High Court Sheriffs and business angels that assist us in orchestrating the best possible course of action. By drawing on our unrivalled knowledge and experience, you will find that a problem shared is often a problem solved and those continuing sleepless nights will go away. As many of our clients have found, with Tenable Solutions on their side, not only has their business fully recovered but subsequently gone on to enjoy sustained success. We very much welcome the opportunity to assist and play a part in helping achieve the same for you. Call now 0800 4 96 95 94 You Call Today, We Act Today, The Worry Stops Today. t3kkgpxwlb8kmvhveyx7 http://www.tenable-debt-collection.co.uk/about.html We have a unique way of collecting debts, without the strong arm tactics. We enjoy a 98% success rate collecting debts within the first 21 days. We have our own unique system for collecting debts, dont waste your money with companies saying they can collect debts by letter writing, and ploys to get your cash, this as you will know does not work. We have the one stop solution, you will be amazed at our results. So don't give up on those unpaid invoices or hope that they'll come through "soon". Eliminate the doubt and get your cashflow back! Please contact us today for more information, or complete the form below. Debt Problems You may be in debt yourself because you are not getting paid ? If you think you are in serious debt then it is always best to seek help at the earliest opportunity before it gets worse. “Remember” a problem shared is often a problem halved and can soon help get rid of those sleepless nights and relentless creditor pressure. If you have already in your possession, CCJ`s, Statutory Demands, Petitions for Bankruptcy or Petitions for winding up of your business, we have the answers. Don’t delay; ring our experienced team of experts today.