Last updated: 22 September 2026
These Terms & Conditions apply to business customers using services provided by Murray Collins Credit Management (“Murray Collins”, “we”, “us”).
These terms apply to business-to-business services only.
1. Our Services
Murray Collins provides services including:
- Credit Control
- Payment Recovery
- Business Credit Checks
- Other agreed credit management services
The exact services, charges and payment terms will be agreed with each client separately in writing.
2. Starting Work
A contract begins when you accept our quote, proposal or other written agreement.
By instructing us to begin work, you agree to these Terms & Conditions.
We may decline or discontinue an instruction where we reasonably believe we cannot properly or lawfully provide the service.
3. Your Responsibilities
You agree to provide us with complete, accurate and relevant information needed to carry out our work.
This includes invoices, contracts, correspondence, payment history, details of disputes and any other information that could reasonably affect our work.
You must tell us promptly if circumstances change.
You must not knowingly provide false, misleading or incomplete information.
4. Withheld or Undisclosed Information
We rely on the information you give us.
If material information is withheld, inaccurate or not disclosed and this causes unnecessary work, prevents us from completing the service or materially changes the nature of the work, we may stop working on the matter.
Where this happens after work has begun, a minimum administration charge of £500 may become payable, or the charges already agreed for work undertaken where these are greater.
This includes previously undisclosed disputes, payments, settlements, correspondence or other information that would reasonably have affected our decision to accept or work on the matter.
5. Payment Recovery
We will take reasonable and professional steps to recover money owed to you.
We cannot guarantee that any debt will be successfully recovered.
Recovery depends on factors outside our control, including the debtor’s financial position, disputes, insolvency and willingness or ability to pay.
Unless otherwise agreed, you must tell us immediately if the debtor contacts you or makes payment directly to you after we have begun recovery activity.
6. No Win, No Fee
Where we expressly agree to handle a matter on a No Win, No Fee basis, no recovery fee will normally be payable if no money is recovered.
However, No Win, No Fee does not mean that Murray Collins must work without payment where our work has been frustrated or rendered unnecessary by the client’s actions or failure to provide relevant information.
A £500 minimum charge may therefore become payable where, after we have started work:
- material information was withheld or inaccurate;
- an existing dispute was not disclosed;
- the client withdraws the matter without reasonable cause;
- the client settles directly with the debtor without informing us;
- payment is made directly following our recovery activity;
- the client instructs another recovery provider or solicitor without agreement; or
- the client’s actions prevent us from completing the agreed work.
Where money is recovered or a settlement/payment arrangement is agreed following our recovery activity, the agreed recovery fee remains payable even where the debtor pays the client directly.
7. Disputed Debts
You must tell us before instructing us if a debt is disputed.
If a debt becomes disputed after work begins, we will assess whether we can reasonably continue.
Where a material dispute existed before our instruction but was not disclosed to us, the £500 minimum charge described above may apply.
We may recommend that the matter is referred to a solicitor where legal proceedings or specialist legal advice are required.
8. Charges
Our normal charges are not fixed by these Terms & Conditions.
Charges will be agreed separately with each client and may vary depending upon the service, workload, value, complexity and circumstances of the instruction.
Your quote, proposal or written agreement will set out the charges applicable to your particular instruction.
Unless otherwise stated, charges exclude VAT where applicable.
9. Payment
Invoices must be paid within the payment period stated on the invoice, quote or agreement.
Where no separate payment period has been agreed, payment is due within 14 days of the invoice date.
We may charge statutory interest and compensation on qualifying overdue business invoices in accordance with the Late Payment of Commercial Debts (Interest) Act 1998.
10. Credit Checks
Business credit checks are intended to help clients make informed commercial decisions.
Information may be obtained from established commercial credit information providers and other legitimate sources.
Credit information represents the information available at the time of the check.
A credit check is not a guarantee that a business will pay its debts or remain financially sound.
The final decision whether to offer credit, trade with a business or determine a credit limit remains with the client.
11. Client Decisions
Information, recommendations and credit management support provided by Murray Collins are intended to assist your business decisions.
Unless expressly agreed otherwise, responsibility for commercial decisions remains with you.
12. Data Protection
Both parties must comply with applicable UK data protection legislation.
Where you provide personal information to us, you confirm that you have a lawful basis for providing that information for the purpose for which we have been instructed.
We will process personal information in accordance with our Privacy Policy and applicable data protection law.
13. Confidentiality
We will keep confidential information received from you confidential and use it only where reasonably necessary to provide our services or where disclosure is required by law.
You agree to treat confidential information belonging to Murray Collins in the same way.
14. Limitation of Liability
Nothing in these Terms excludes or limits liability where doing so would be unlawful.
Subject to that, Murray Collins will not be responsible for indirect or consequential losses, loss of anticipated profit or losses resulting from decisions made using information supplied as part of our services.
Our total liability arising from an instruction will not normally exceed the charges paid or payable to Murray Collins for the service giving rise to the claim.
15. Ending an Instruction
Either party may end an instruction by giving written notice.
Ending an instruction does not remove liability for charges already incurred or charges that become payable under these Terms.
We may stop providing services immediately where:
- you materially breach these Terms;
- invoices owed to us remain unpaid;
- information supplied to us is materially inaccurate or misleading;
- continuing would create a legal, regulatory or reputational risk; or
- circumstances make it unreasonable or inappropriate for us to continue.
16. Circumstances Outside Our Control
We will not be responsible for delays or failure to provide services caused by circumstances reasonably outside our control.
Where substantial work has already been undertaken before such circumstances arise, charges properly incurred for that work remain payable in accordance with the agreed commercial terms.
17. Changes to These Terms
We may update these Terms & Conditions from time to time.
The terms applicable to an existing instruction will be those agreed when the instruction was accepted unless we agree otherwise with you in writing.
18. Governing Law
These Terms & Conditions and any contract between Murray Collins and the client are governed by Scottish law.
The courts of Scotland will have jurisdiction over disputes arising from the contract.
19. Contact
Questions regarding these Terms & Conditions can be sent to:
Murray Collins Credit Management
Email: info@murraycollins.co.uk