A debt collection agency can recover a debt — but it takes a percentage, and it takes over the relationship with your customer. If you would rather keep both, here is a flat pay-per-action alternative.
RobinReturn recovers an undisputed B2B invoice on flat, published, pay-per-action fees — with no commission on what you recover. The debtor pays you directly, the letters go in your name, and you decide each step.
The comparison is about the model — a percentage-based agency versus a flat, pay-per-action service. Agency terms vary, so always check the specific rate.
| Dimension | Collection agency | RobinReturn |
|---|---|---|
| Pricing model | Commission — a percentage of whatever is recovered. | Flat, published pay-per-action: reminder £2.00, LBA £9.50, claim prep £35.00. |
| Who gets paid | The agency often collects the money and remits it to you, less its fee. | The debtor pays you directly. RobinReturn never holds your money. |
| The relationship | The agency takes over contact with your customer. | You stay in control; the tone stays calm and professional, in your name. |
| How far it goes | May keep pursuing the debt after a judgment. | Prepares the case up to a County Court judgment; its role ends there. |
| Best for | Debts where the customer relationship is over, or you want no upfront cost. | Undisputed B2B invoices (up to £10,000) where you want control and no commission. |
If the relationship with the customer is already over, the debt needs pursuing after a judgment, or you simply want someone else to handle it on a no-upfront-cost basis, a collection agency is a reasonable choice — accepting that the commission can be a significant share of a smaller debt.
If you want to keep the relationship, keep control of the tone, pay a known flat fee, and be paid directly, RobinReturn is built for that — for an undisputed B2B invoice up to £10,000 in England & Wales. RobinReturn is not a law firm and does not give legal advice.
Yes. RobinReturn charges flat, published fees per action and takes no percentage of what you recover. The debtor pays you directly and RobinReturn never holds your money.
It depends on the debt. As an illustration, on a £5,000 debt a 15% commission would be £750, whereas RobinReturn's fees total £46.50 even if the case runs all the way to a claim (the HMCTS court fee is separate and is itself recoverable from the debtor). Agency commission rates vary, so check the specific terms.
No. RobinReturn does not take over the relationship — the reminders and Letter Before Action go in your name as the creditor, and you decide each step. There is no third party taking control of the account.
RobinReturn's role ends at a County Court judgment — it does not act beyond that point. If a debt needs pursuing after judgment, that is where an agency or solicitor may help.
No commission, no third party taking over. Start with a reminder.