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ECA Debt Recovery Service

Effective Credit Collections Ltd operates the ECA Debt Recovery Service for ECA Members.

Formal correspondence from a solicitor often produces the desired result from a debtor (“letter before action”). The “letter before action” is paid for by the ECA for Members.

If there is no response to the letter sent to the debtor ‘Effective’ will advise on the options available to the member. Should the member instruct ‘Effective’ to continue acting on their behalf, then the member will be responsible for costs and fees incurred. 

The Association, its representatives and agents, reserve the right to limit this Member Service to those debts that are above £100 in value Consumer clients and above £150 for Commercial customers. In the event a member requests a letter before action, which falls below this threshold, the Association's debt recovery service will initially decline the instruction and advise the Association accordingly. The Association will contact the Member to discuss the situation, to see whether a more cost effective method of debt recovery / dispute resolution is available.

Preferential fixed charges have been agreed with Effective for undisputed or undefended claims. However, if the matter is disputed or defended, charges will be made at preferential hourly rates.



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