National Creditor Services

When a customer enters insolvency proceedings, you face uncertainty, a heavy administrative burden, and the real risk of loss. Acting quickly, with the right expertise behind you, is often the difference between writing the debt off and recovering a meaningful return.

Our dedicated team manages the entire claims process on your behalf helping to protect your position, maximise your recovery, and remove the paperwork.

We act for trade suppliers of every size, banks and financial institutions, lenders, landlords, and credit insurers and their policyholders. Behind every instruction is a national network of more than 100 offices, strong working relationships with Official Receiver offices across the country, and an extensive network of respected law firms and insolvency professionals throughout the UK.

How does it work?

The moment you receive notice of an insolvency, simply tell our team and confirm the balance outstanding. From there, we:

Identify the status of the individual or corporate debtor, and whether an insolvency practitioner has been appointed
Review all insolvency correspondence and practitioner reports
Complete and lodge your proof of debt and proxy/voting forms
Represent you, and attend any virtual or physical creditors’ meeting
Review voluntary arrangement proposals and seek to modify them where this could improve your dividend
Monitor dividend prospects and make sure you are included in every payment
Chase statutory reports and notify you of dividends as they become payable
Track each case through to dissolution or closure
Give you full visibility of every case through ICE, our online client portal

Getting ahead of the risk: live portfolio monitoring

The earlier you act, the more options we have to protect your position. For clients who want to manage credit risk before a formal insolvency begins, we offer a live portfolio monitoring service powered by Red Flag Alert, a market leader in credit risk technology.

We monitor your live customer or debtor book against parameters agreed with you and flag the events that signal rising credit risk. Where a concern emerges, our team assesses the likely impact and proposes a tailored response. That might mean structured collections activity, legal action, or a direct, constructive approach to the customer to agree a way forward and protect the trading relationship where that is in your interest.

The procedures we cover

We act for creditors across every formal insolvency procedure, corporate and personal. Whichever procedure your debtor is subject to, and wherever they are in the UK, we can act for you.

In-house investigations

Recoveries are often won or lost on the strength of the investigation into why a business or individual failed. BTG Begbies Traynor was the first restructuring practice to build a dedicated in-house investigations function led by an in-house lawyer.

Where the circumstances of a case justify it, our investigations team carries out a detailed review of the failure, pursuing targeted legal and investigative action to increase returns. We frequently accept insolvency appointments where a client holds a creditor position and has asked us to step in on their behalf, bringing additional resource and scrutiny to the outcome.

Contentious and complex cases

Not every recovery is straightforward. In contentious situations we advise on voting strategy, challenge insolvency outcomes, and negotiate repayment plans and settlements. Working alongside forensic experts, we investigate irregular or questionable transactions, trace assets, and recover funds from those who have benefited improperly.

We also advise on frequently contentious issues such as retention of title (ROT) claims, the rights of landlords, intercreditor matters, and the enforcement of security by secured lenders.

ICE: complete visibility of every case

Every client has access to ICE (Insolvency Case E-Management), our online portal built specifically for creditors managing insolvency debt. Available around the clock, ICE gives you a single, up-to-date view of every live case including completed documentation, case status, correspondence history, and insolvency statistics, all fully exportable.

For credit teams handling a high volume of insolvent accounts, ICE replaces manual tracking with one reliable source.

Why work with us?

A complete service, at no cost to you. We take on the entire administrative burden of managing insolvent accounts, with no charge for our creditor service.
Better recoveries. Specialist handling, correct claim ranking, representation at meetings, and investigations capability
A dedicated point of contact. Every client is allocated a relationship manager who proactively manages your cases, so you can keep your focus on live, profitable accounts.
Total transparency. Through ICE, your case information is kept current, fully visible, and exportable whenever you need it.
National reach. More than 100 offices, supported by law firms and insolvency professionals across the UK and strong relationships with Official Receiver offices.
A relationship, not a transaction. We tailor our involvement to what you need and we work to build long-term partnerships, with complete confidentiality.

Contact the team