UK Debt Recovery Specialists
Construction Debt Recovery UK — Recover Unpaid Invoices Fast
Late payments are crippling the UK construction industry. Hay's Collections specialises in recovering overdue invoices, subcontractor debts and retention balances — No Collection, No Commission.
Debt Recovery Services
Specialist Debt Recovery for the UK Construction Industry
The construction industry is plagued by late payments. Long payment chains, disputes over variations, defective work allegations and deliberate delay tactics leave contractors, subcontractors and suppliers out of pocket, with cash flow under constant pressure.
Hay's Collections provides specialist construction debt recovery services for businesses of every size — from sole trader plasterers chasing a single unpaid invoice to large main contractors recovering significant retention balances. We understand the complexities of the JCT contract payment regime, the Late Payment of Commercial Debts Act, and how to cut through the excuses.
Our No Collection, No Commission model means you face zero financial risk. If we don't recover your construction debt, you don't pay us a penny. With an 87% success rate across over 1,400 commercial cases, we know how to get results in this industry.
In addition to our core No Collection, No Commission debt recovery service, we provide a comprehensive range of ancillary services — including debtor tracing, credit checks, legal escalation, statutory demands and enforcement support — ensuring your case receives the full specialist attention it deserves.
Common Problems
Debt Recovery Challenges in the Construction Sector
Retention Disputes
Contractors routinely withhold retention beyond agreed defects liability periods. We pursue overdue retention payments forcefully and professionally.
Variation & Daywork Disputes
Clients often refuse to pay for additional works. We help you quantify and recover legitimate variation costs.
Final Account Disputes
Delayed or disputed final accounts can leave significant sums unpaid for months. We apply pressure to achieve fair settlement.
Main Contractor Insolvency
When the main contractor becomes insolvent, subcontractors are often left at the back of the queue. We advise on recovery options.
Materials & Plant Hire Debts
Unpaid invoices for materials, plant hire and equipment are common. We recover these straightforward commercial debts quickly.
Payment Notice Disputes
Improper pay-less notices and withheld interim payments require fast action. We know the payment regime inside out.
Our Approach
How Hay's Collections Helps Construction Businesses
No Collection, No Commission Recovery
Our 15% commission is only charged on money we successfully recover. There are no upfront fees, no hidden charges.
Retention Recovery Specialists
We have dedicated expertise in chasing retention payments specifically in the construction sector.
Legal Escalation
When letters and negotiation don't work, we escalate through legal channels — including statutory demands and county court claims.
Debtor Tracing
If your debtor has disappeared or changed trading entity, our tracing service can locate them so recovery can proceed.
Relationship-Aware Approach
We pursue your debt firmly while being mindful of ongoing commercial relationships you want to preserve.
Fast Initial Response
We assess every new case within 24 hours and begin contact with your debtor quickly — time is critical in debt recovery.
Simple & Effective
Our 3-Step Debt Recovery Process
Submit Your Debt
Upload your unpaid invoices and debtor details through our secure online form. We review every case within 24 hours and provide an honest assessment of recovery likelihood.
We Pursue Recovery
Our experienced team uses proven techniques — from professional letters and calls to negotiated settlements and legal action when necessary — all while protecting your business reputation.
You Get Paid
Once we recover your debt, funds are transferred to you promptly. You only pay our commission on successful recovery — No Collection, No Commission, guaranteed.
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Ready to recover what you're owed?
No Collection, No Commission. No risk. Just results for Construction businesses across the UK.