We understand our customers personal circumstances, find an affordable solution, and ensure they remain up to date with any offers available to them.


We understand that it can be difficult when you are struggling to balance your income and ensure all eventualities are taken care of. We want to help you as much as possible and ensure that your commitment to a repayment arrangement is fair and affordable to you.

Our customers are at the heart of everything we do, and we are committed to ensuring that all customers are treated fairly. We believe all good relationships work through good communication and we aim to ensure that communication with our customers is open and honest.


We will provide you with the information regarding your account such as settlement arrangements and discount, payment options and potential further recovery activity subject to circumstances.


We will ask questions to ensure we have a full and accurate record of your circumstances.


Most importantly we will listen to your responses, so we can help you find an affordable solution, this is the only way we can ensure a fair outcome for all concerns.

Our experienced advisors are ready to discuss your account and the options available to you. Go to our Contact Us page for details of how you can get in touch with us.


As an FCA Regulated business, Capital Recoveries is the provider of collections services across the financial services sector.

We have significant experience in the Mortgage Shortfall sector an area of the market that requires specialist skills and knowledge. We are the chosen supplier of these services for many lenders, designing strategies alongside out clients to ensure the best possible, compliant outcome.

With the ability to provide letter, telephony, messaging, online and doorstep services, together with our innovative systems we continue to provide value to our clients and our customers.

Our highly trained staff underpin our operation ensuring that the service is of the highest quality, is transparent and above all that our colleagues operate in the most ethical manner and that every customer is treated fairly.

Need to Trace a customer?

We provide an electronic tracing service.

When you need to trace someone in the UK this can often be difficult, time consuming and not always straight forward. We are able to help you with our years of expertise, by utilising information provided within electronic records from public bodies and credit reference agencies to trace and confirm the location of the person you are looking for.

Thinking of selling a portfolio?

If you are thinking of selling your arrears portfolio, we may be able to connect you to some of our clients who may have an interest in investigating this option. We have seen some successes in the past from this process.

We are certificated by the government Cyber Essentials scheme, helping us to guard against the most common cyber threats and demonstrate commitment to cyber security.

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