Murray Collins
Terms & Conditions
Last updated: 11 October 2026
These Terms & Conditions apply to business customers engaging services provided by Murray Collins Credit Management (“Murray Collins”, “we”, “us”, “our”).
Our services are provided on a business-to-business basis only. We do not accept instructions to recover consumer debts owed by individuals acting in a personal capacity.
1. Our Services
Murray Collins provides:
- Outsourced Credit Management and Credit Control
- Commercial Debt Recovery (Pre-Litigation)
- Murray Collins Business Credit Assessments
- Credit Management Consultancy
- Other agreed business credit management services
The services provided, charges, commission rates and any additional fees will be confirmed in writing before work begins.
2. Contract Formation
A contract begins when the client accepts a written quote, proposal, Client Service Agreement or other written instruction accepted by Murray Collins.
These Terms & Conditions form part of that contract.
Where a specific written agreement expressly differs from these Terms & Conditions, the specific agreement takes precedence.
Murray Collins may decline instructions that are unsuitable, misleading, disputed, commercially impractical or unlawful.
3. Client Responsibilities
The client must provide complete, accurate and relevant information, including invoices, contracts, debtor details, payment history, correspondence and details of any disputes or previous arrangements.
The client must promptly inform Murray Collins of:
- Payments received directly from debtors.
- Settlement offers or negotiations.
- Existing or newly arising disputes.
- Changes in the debtor’s circumstances.
- Any information affecting recovery.
The client must not knowingly withhold or misrepresent material information.
4. Undisclosed Information and Administration Charges
Where the client fails to disclose material information, provides misleading information or otherwise breaches their information obligations, Murray Collins may suspend or terminate the instruction.
Where such conduct causes additional investigation, wasted work, unnecessary administration or financial loss, an administration charge of £500 may become payable.
This includes previously undisclosed disputes, payments, settlements, legal proceedings or other material circumstances.
The charge is intended to protect Murray Collins against the consequences of material contractual breaches and will apply only where justified by the circumstances and legally enforceable.
Additional proven losses may be recovered where legally permitted, without charging twice for the same loss.
5. Outsourced Credit Management
Monthly credit management fees, invoice limits and service arrangements will be agreed in the Client Service Agreement.
Monthly retainers are payable for the agreed service period and are separate from debt recovery commissions.
Unless otherwise agreed, the minimum initial service term is three months, followed by termination on 30 days’ written notice.
Monthly fees continue while the agreement remains active, including where individual debts have entered formal recovery.
Work outside the agreed scope may incur additional charges, subject to prior agreement.
6. Automatic Escalation to Debt Recovery
Where the Client Service Agreement provides advance written authorisation, qualifying overdue invoices may automatically enter formal pre-litigation recovery when they become 46 days overdue.
Escalation is subject to:
- Reasonable credit control activity having taken place.
- The final payment warning having expired.
- No genuine unresolved dispute.
- No maintained payment arrangement.
- No agreed exception preventing escalation.
Murray Collins will notify the client when formal recovery begins.
Formal recovery is charged separately from monthly credit management.
The agreed recovery commission and applicable minimum charges will apply in accordance with the Client Service Agreement.
Legal proceedings require separate client authorisation.
7. Debt Recovery Services
Murray Collins will undertake reasonable and lawful recovery activity using professional methods.
Recovery cannot be guaranteed.
Murray Collins may suspend or discontinue recovery where a debt is genuinely disputed, legally unsuitable, uneconomic to pursue or where continuing would be inappropriate.
8. Restrictions on Clients During Recovery
Once a debt has been accepted for formal recovery, the client must not, without prior written agreement from Murray Collins:
- Independently pursue or negotiate the debt.
- Accept or agree a settlement without notifying Murray Collins.
- Instruct another recovery agency or solicitor.
- Transfer the debt to another provider.
- Waive, reduce or write off the debt.
- Withdraw the instruction to avoid recovery charges.
The client must promptly notify Murray Collins of all debtor contact, payment proposals and direct payments.
Where these obligations are breached, the client remains liable for commission already earned, applicable minimum charges, reasonable costs and other recoverable losses.
9. Direct Payments to Clients
Where a debtor pays the client directly after formal recovery begins, the agreed recovery commission remains payable on the amount recovered.
This applies whether the debtor pays Murray Collins, the client or a third party acting on the client’s behalf.
The client must notify Murray Collins promptly of all such payments.
The client cannot avoid commission by arranging for payment to be made directly or through another person.
Where an instalment arrangement is agreed, commission will normally be payable as instalments are received.
10. No Win, No Fee and Minimum Charges
Where expressly agreed, Murray Collins provides debt recovery on a No Win, No Fee basis.
This means that, where no money is recovered, no success-based recovery commission is normally payable.
However, No Win, No Fee does not remove liability for:
- Agreed minimum charges that are expressly payable in the relevant circumstances.
- Administration charges arising from qualifying contractual breaches.
- Authorised expenses or additional services.
- Commission on direct payments or settlements.
- Recoverable losses caused by the client’s contractual breach.
Minimum recovery charge
Unless a different amount is agreed in writing, the minimum commission on a successful formal recovery is £100 plus VAT where applicable.
Where the agreed percentage commission exceeds £100, the percentage commission applies instead.
The minimum successful-recovery charge and percentage commission are not added together.
Interrupted or withdrawn instructions
Where a client improperly withdraws or transfers an active recovery case after work has commenced, an administration charge of up to £500 may apply where the client’s breach has caused wasted work, additional administration or recoverable loss.
This charge is not automatically payable simply because a client exercises a valid contractual right to terminate.
Where no recovery occurs and no qualifying additional charge or breach applies, no success commission is payable.
11. Withdrawal, Termination and Protection of Fees
The client may terminate an instruction in accordance with the applicable agreement.
Termination does not remove liability for:
- Commission already earned.
- Unpaid monthly fees.
- Agreed minimum charges.
- Authorised expenses.
- Qualifying administration charges.
- Other recoverable contractual liabilities.
Where Murray Collins has undertaken recovery activity, commission remains payable on qualifying payments received within 90 days after termination, where those payments result from or are attributable to our recovery work or an arrangement initiated during our instruction.
The client must not deliberately delay, redirect or conceal payment to avoid agreed fees.
Murray Collins may recover proven losses caused by an unauthorised withdrawal or transfer, subject to applicable law.
Charges will not be duplicated for the same loss.
12. Charges and Commission
Charges are agreed individually and may include:
- Monthly retainers.
- Percentage-based recovery commission.
- Minimum recovery charges.
- One-off assessment fees.
- Administration charges.
- Consultancy fees.
- Authorised expenses and third-party costs.
The applicable quote or Client Service Agreement will specify the agreed charges.
Unless otherwise stated, fees exclude VAT where applicable.
Recovery commission is calculated on the amount of the underlying debt actually recovered, including qualifying direct payments, unless the written agreement specifies a different basis.
Statutory interest and compensation retained under Section 13 are not also included in the commission calculation unless expressly agreed.
13. Statutory Interest and Compensation
Where legally recoverable and authorised by the client, Murray Collins may pursue statutory interest, fixed compensation and recoverable costs under the Late Payment of Commercial Debts (Interest) Act 1998.
The client agrees that Murray Collins may retain statutory late-payment interest and fixed compensation actually recovered from the debtor as additional remuneration, separately from the agreed recovery commission.
This applies only to sums legally recoverable and actually received, whether paid to Murray Collins or the client, and does not create an entitlement to amounts the debtor has not paid.
Any different allocation must be agreed in writing.
14. Recovered Funds and Fee Deductions
Where appropriate arrangements are in place, debtors may make payment directly to Murray Collins on behalf of the client.
Murray Collins may deduct agreed recovery commission and other undisputed sums properly due from recovered funds where contractually authorised and legally permitted.
The remaining balance will be remitted to the client with a statement showing payments and deductions.
Client funds will be handled in accordance with applicable legal and regulatory requirements.
Where direct collection arrangements are not available, the client must pay Murray Collins’ invoices in accordance with the agreed terms.
15. Payment Terms
Unless otherwise agreed in writing, invoices issued by Murray Collins are payable within 14 days.
Murray Collins may suspend services where invoices remain unpaid following reasonable notice.
Statutory interest, compensation and recoverable costs may be claimed on qualifying overdue business invoices in accordance with the Late Payment of Commercial Debts (Interest) Act 1998.
16. Disputed Debts
The client must disclose any known dispute before instructing Murray Collins.
Where a genuine dispute arises during recovery, Murray Collins may suspend the instruction while the circumstances are assessed.
Undisclosed material disputes that cause unnecessary work or loss may give rise to charges under Section 4.
Murray Collins may recommend independent legal advice where appropriate.
17. Business Credit Assessments
Murray Collins Business Credit Assessments provide information and recommendations to support commercial credit decisions.
Assessments may consider company filings, available financial information, payment behaviour, requested credit exposure and economic conditions.
The information reflects the circumstances and sources available at the time.
No assessment guarantees payment, solvency or future financial performance.
The client remains responsible for decisions concerning credit limits, payment terms and trading relationships.
18. Data Protection
Both parties must comply with applicable UK data protection legislation.
Each party must have a lawful basis for processing or sharing personal information.
Where legally required, the parties will enter into an appropriate data processing or data sharing agreement.
Personal information will be handled in accordance with our Privacy Policy and applicable law.
19. Confidentiality
Both parties agree to protect confidential information obtained through the business relationship.
Confidential information may be disclosed where reasonably necessary to provide services, to authorised professional advisers or where required by law.
These obligations continue after termination.
20. Limitation of Liability
Nothing in these Terms excludes or limits liability where doing so would be unlawful, including liability for fraud or death or personal injury caused by negligence.
Subject to applicable law, Murray Collins is not responsible for indirect or consequential losses, lost profits, lost business opportunities or losses arising from commercial decisions made using our information.
Our total liability arising from an instruction will not normally exceed the charges paid or payable for the particular service giving rise to the claim, to the extent such a limitation is reasonable and enforceable.
21. Ending an Instruction
Either party may end an instruction in accordance with the agreed notice provisions.
Murray Collins may suspend or terminate services where:
- The client materially breaches the agreement.
- Fees remain unpaid.
- Material information is misleading or withheld.
- Continuing creates a legal or regulatory risk.
- The instruction becomes unlawful or commercially impractical.
Where appropriate, reasonable notice and an opportunity to remedy a breach will be provided.
Termination does not affect accrued rights, unpaid charges or qualifying post-termination commission.
22. Circumstances Outside Our Control
Murray Collins will not be liable for delays or failures caused by circumstances reasonably outside our control.
Charges properly incurred before such circumstances arise remain payable.
23. Changes to These Terms
Murray Collins may update these Terms & Conditions from time to time.
Changes will apply to new instructions from the stated effective date.
Existing instructions remain subject to the terms incorporated into their contract unless otherwise agreed in writing.
24. Governing Law
These Terms & Conditions and any contract between Murray Collins and the client are governed by Scots law.
The courts of Scotland shall have exclusive jurisdiction over contractual disputes, subject to applicable law.
25. Contact
Murray Collins Credit Management
Email: info@murraycollins.co.uk
Website: murraycollins.co.uk