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About Curo Virtual Ltd

Services We Offer

Curo Virtual Ltd will provide credit control, debt collection, litigation and enforcement services to recover debts instructed by the client.

Credit Control

We believe that the key to a successful business is a strong Credit Control function, cashflow is the beating heart of a business and, if you agree, then Curo Virtual may be the perfect solution for you. Curo Virtual’ s credit control processes are designed in a way which allows you to continue delivering a first-class service to your customers whilst your company cashflow is maintained. We can manage recovery of your cash every step of the way, from issuing invoices and statements, dealing with overdue accounts, to managing litigation and enforcement if we encounter a non-payer. All your administrative support can now be found virtually at the click of a button, under one roof. Our team are fully trained in the leading accounting software packages such as Sage, Quickbooks and Xero, or you can simply take advantage of our own in-house system, Curo Virtual has you covered and will adapt and even compliment whatever system you’re using. We can access and update your system in real-time or simply provide you with real time reporting directly to your PC or mobile device. Our goal is to ensure that you have all the information you need about your credit control at your fingertips in a way which is best suited for you. If you don’t have a robust invoicing and credit control process in place, then don’t worry – not only can we introduce a professional Credit Control System into your company, but we will also operate it for you. We can provide our services via a white-labelling method. Not a term everyone has heard of. In a nutshell, our credit control service is provided virtually; we can appear to your customers exactly as if we were a department within your company. Contact us now to find out more.

Formal Debt Collection

Sometimes, despite the efforts of the credit controllers, payment just doesn’t materialise and further action is required. Unfortunately, the customer’s behaviour leaves you with no other option. Whether the resolution is Mediation, Debt Recovery & Court Action, we’ll deal with that. Uncomfortable conversations can be a thing of the past. Any cases requiring formal debt collection will be passed over to our sister company, Gordon & Noble Sheriff Officers. Collecting what’s due for Commercial and Consumer clients is what they do. They provide a fast-paced service to collect your debts either by letter, phone or field visits. Our involvement with the case during the credit control process allows us to inform Gordon & Noble of the prior history of any matter, allowing them to quickly implement the most effective and economical course of action to recover money owed to you. Gordon and Noble will not only seek to recover the debt, but they will also pursue for any fees due under your company terms & conditions and statutory late payment interest and compensation.

Litigation / Court Action

This is unavoidable under certain circumstances. Every effort is made to reach a positive outcome without the need for court action, however, when called upon we will work closely with some of the most experienced solicitors throughout the UK to provide a streamlined process for raising court actions. We are your start to finish solution in recovering outstanding debt. Working with partner solicitors, we manage the whole litigation process on your behalf. We will always act in your best interests ensuring each case is treated individually and that your professional reputation and ours is never compromised. The Litigation team is focused on ensuring a satisfactory resolution of every account they handle. Our dedication to customer service and integrity, combined with our outstanding legal knowledge and experience, have led to the successful payment of numerous and difficult debts. We’ll ensure you know exactly what to expect from every stage of the process, including what fees may be incurred.

Enforcement

If Enforcement is required, then based upon information already gathered, Gordon & Noble will identify and action the most effective and efficient means of enforcement to ensure the quickest and most cost-effective means of recovery. These can include, but are not limited to, seizing articles to be sold at auction, freezing bank accounts, arresting earnings, and preventing sales of property until debts are paid. Should the debtor reside out with Scotland, then we will liaise with our enforcement partners throughout the UK and abroad. Have you or your clients obtained a Decree or County Court Judgement, but have been unsuccessful in recovering the money? Gordon & Noble provide a specialist service to assist with recovery of ‘hard to collect’ debts. We will provide a review and consultation of each case free of charge. As part of the review, we will conduct enquiries to gather any information which could assist with recovery. We are conscious that you will not want to throw ‘good money after bad’ and we will only make enforcement recommendations where there is a reasonable prospect of success.

Other Services We Offer

Consultation Services

Training Staff

The brains behind Curo Virtual have specialised in collecting debt since 2006.  Over that time, we have developed training techniques, which deliver maximum returns across a wide variety of sectors and debt profiles. 

Executive Consultation

Curo Virtual brings a breath of fresh air to the credit control world, we’re more than just you’re average 9-5 partner. On many occasions, our clients have been faced with debt collection problems requiring urgent specialist attention. 

Strategy & Process Review

You need to ensure that your credit control department (virtual or in-house) is running as smoothly as possible and in accordance with your terms and conditions. 

Tracing Services

Everyone leaves a footprint, and our team of expert trace agents will prove to be an ideal solution for your organisation in re-establishing contact with any of your non-payers.

Why credit control is so important

CASH IS KING.

Cash is the lifeblood of any business and, in order for businesses to survive, it is crucial that accounts are managed timeously and efficiently.
If your customers don’t pay you, (and pay on time) then your business will certainly suffer. When engaging with Curo Virtual, you can expect to be assigned a dedicated personal account manager who will maximise your cash flow and resolve any problematic customer accounts. Your costs will be minimised whilst your cashflow is maximised.

YOUR TIME IS PRECIOUS.

Calculate how much time you currently spend (or need to spend) on paperwork and credit control then imagine about how much more money you could make if you spent that time on business development.
We can give you that precious time back. Our costs are relative to the size of your business and the new revenue streams you create will far outweigh the costs of our services.

FLEXIBILITY.

Our services can be offered on a temporary or ongoing basis to allow you to focus on what’s important… running your business.
If you are having trouble recruiting or need to cover temporary absence, we can fill that gap. There is no length of term contracts, penalties, or early termination clauses – nothing of that nature. You hire us, we agree the hours per month which we jointly review on a regular basis, and we get on with the job. It is as simple and flexible as that.

SYSTEMS/IT (aka the technical stuff)

Our team are fully trained in the leading accounting software packages such as Sage, Quickbooks or Xero, or you can simply take advantage of our own in-house system, Curo Virtual has you covered and will adapt and even compliment whatever system you’re using.
We can update your system in real-time or simply provide you with real time reporting directly to your PC or mobile device. Our goal is to ensure that you are have all the information you need about your credit control at your fingertips in a way which is best suited for you.

CREDIT CONTROL PROCESS

This is very important and vital to the success of any business.
You need to make sure that your credit control department (virtual or in-house) is running as smoothly as possible and in accordance with your terms and conditions. If you don’t currently have a robust invoicing and credit control process in place, then don’t worry – not only can we introduce a professional credit control system into your company and better yet, we will operate it for you.

LET’S TALK RED FLAGS!

Whether it is with the introduction of Credit Refencing for new customers or robust credit control procedures, we will introduce an Early Warning System, Red Flagging any potentially problematic customers.
You will be able to rely on our experience in understanding customer behaviour patterns, dealing with non-payment and rehabilitating delinquent accounts. Our system mitigates risk and therefore minimises your exposure to debt.

CREDIT CHECK SERVICE

Knowing whom to do business with can sometimes be a minefield.
Clients of Curo Virtual can take advantage of our credit check service for all their potential new customers. This will be a vital component of your credit control process allowing you to make an informed decision on whom you conduct business with and further protect your company.

BRAND REPUTATION/CUSTOMER RELATIONSHIP

Our service is provided virtually; we can appear to your customers exactly as if we were a department within your company. We can operate in confidence as an extension of your company, or you can notify your customers of our appointment.
From sending invoices or statements or communicating by email or speaking over the phone, we guarantee that your customers will be valued and treated as if they are our own. We will protect your brand and reputation; your customers can always expect a warm and friendly reception when engaging with Curo.

Amanda Young

Operations Director

Having worked in both the financial and debt recovery industry for over fifteen years, Amanda has obtained Business and Accountancy qualifications. She previously worked with Santander and French Duncan Chartered Accountants. Amanda’s most recent position was Manager of both the Diligence and Collections departments within Gordon & Noble Messenger-at-Arms & Sheriff Officers. 

“I strongly believe that everyone deserves to be paid for the work they do. People work hard and too often are not paid on time. This doesn’t sit right with me. That’s why I strive every day to deliver results for our clients.”

Mark Fishman

Managing Director

Mark has worked in the debt recovery industry for 30 years.  He graduated as a Bachelor of Law from Strathclyde University. He has also retained commissions as a Sheriff Officer since 1990 and as a Messenger-At-Arms since 1992.  Mark worked as a Manager within the Collections Department at Student Loans Co and as Collection Operations Manager at Hutchison 3G. In 2006 he commenced trading as Gordon & Noble Messenger-at-Arms and Sheriff Officers which continues to trade to this day.

“There is nothing more satisfying than using your knowledge and experience to obtain great results for your clients. I mean it when I say that I am always at the other end of the phone whenever my clients need me”.