1. Costs - No Win No Fee! 

Having long standing relationships with all our overseas partners we have agreements to provide these services on a NO WIN NO FEE basis charging the agreed commission rate against monies recovered only. 

2. Coverage in Gambia 

Gambia is divided into 5 administrative regions. Our local office is in Kanifing, near Banjul the country's capital. This enables us to recover debts throughout the entire country. 

3. Local Experience 

Unlike many of our competitors all cases are handled by the local office or partner. The reasons for this are they speak the debtors' language, in the case of Gambia English is used for official purposes and education but there are several other languages spoken including Mandinka, Wolof, Fula, Serer, Krio and Jola. We understand the local cultures and know all the legal processes. These are reasons why Creditreform are the ideal people to help you in collecting debts from overseas. 

4. Statute of Limitation in Gambia 

6 years but there are many special exemptions so whatever the age please contact us and we will advise if we can assist with your claim 
Search a country below for debt collection: 

How to Instruct Us 

We simply require the following details: 
Full name & address of the debtor 
All available contact details of the debtor i.e. contact name(s) / Tel / Mobile / Email(s) 
Amount owed (Invoice(s) or Statement will help) 
Or ask us to call you – just leave us your details: 

Gambia Debt Collection – No Win No Fee 

Creditreform operates a global specialist International debt collections service. We have local offices and fully approved expert international debt collection agency partners in every country worldwide. All our International debt collection agency partners and offices operate on a No Win No Fee basis charging an agreed commission against monies recovered only. All our international offices and partners initiate the collection processes by sending the debtors a debt collection letter to introduce their involvement. 
Collecting a debt Gambia can be complicated but our expert local debt collection partner will simplify as much as possible and ensure you fully understand how the case is progressing and kept up to date every step of the way 
Main reasons why a local country debt recovery agency is so important rather than trying to recover from a debt collection agency UK are as follows: 
The local International Debt collection Partners know: 
The local cultures 
The best methods of initiating debt recovery letters and processes 
The languages 
The laws 
Are in the same time zones 
Herewith details of our debt collection service Gambia: 

Location of debt recovery office in Gambia? 

Kanifing. All debt collection letters are sent by the local head office. 

Number of debt collection staff? 

15. Each staff member is allocated a client and all their debt collection letters are personalised in order to effect the best response results from debtors. 

How long have you been operating a debt recovery service inGambia? 

We have been operating an African debt collection service on a no win no fee basis in Gambia since 1991. Gambia is included on our debt collection agency list

What type of debt collection services do you provide? Do you do commercial debt recovery (B2B) and consumer debt recovery (B2C)? 

We handle both Business to Business debt recovery cases and Business to Consumer debt collections cases. There is different content for business to business debt collection letter templates and business to consumer debt collection letters templates

Statue of Limitation in Gambia? 

6 years in Gambia. 
Gambia civil litigation statute of limitations is a law that time limits a plaintiff’s right to bring a claim against a defendant. The statute of limitations in Gambia is 6 years. However, if an action has been taken within this time then the statute of limitations time will be extended to account for this. Once the specified time period elapses then no action can be taken through the legal processes unless the plaintiff is able to prove exceptional circumstances. Other Statute of Limitations include: 
Gambia Open Account Years – 6 years 
Gambia Promissory Notes – 6 years 
Gambia Written Contracts – 6 years 
Gambia Oral Agreements – 6 years 

How EU (European Union) laws effect debt collection in Gambia? 

Gambia is in discussions over a free trade agreement (FTA) as part of The Economic Community of West African States (ECOWAS or CEDEAO in French) which included 16 African states together with the European Union (EU) in 2014. This is referred to as the Economic Partnership Agreement between the ECOWAS and the European Union. The other ECOWAS member states are Benin, Burkina Faso, Cape Verde, Ivory Coast, Ghana, Guinea, Guinea-Bissau, Liberia, Mali, Mauritania, Niger, Nigeria, Senegal, Sierra Leone and Togo

How many companies registries in Gambia for businesses (i.e. UK has just 1 central registry)? 

1 central Banjul registry and 1 subsidiary based in Kanifing Municipality.. 
There is 1 company registry in Gambia which is called Attorney General's Chambers and Ministry of Justice, The Gambia located at Attorney General's Chambers and Ministry of Justice, Marina Parade, The Gambia, West Africa. 
We have access to Gambia Company Registry searches to find out who further background information on all Gambia companies. 

What is the debt collection process in Gambia? 

Each case is different and there is no time line which you can rely on. 
Debtors may not always be in this jurisdiction. Therefore service can take time or result in applications for substituted service. 
Settlement is to be encouraged rather than litigate.  Payment plans obviously depend on the individual circumstances and agreement on the length of the repayment period. 
The court procedures are slow, taking years rather than months. Cases are not listed for hearing and then proceeded to conclusion in one hearing. 
Matters are adjourned part heard, often for months at a time. 
Post judgment enforcement proceedings are common and unsatisfactory. Petty corruption and abuse of process is common. 

Average length of time to collect a debt? 

The average time taken to recover a Gambia B2B debt collection case varies from case to case. 

Can late payment fees / interest to be added to claims? 

Yes, fees can be added for Gambia debt collection cases according to local law but only if part of original agreement. 

Details on legal service / process in Gambia? 

As a Commonwealth country, former colony based in English common law, the procedures of recovery, litigation, court process and enforcement are fundamentally similar to England. 

Gambia Business Credit Reports 

Creditreform provides over 88 million international business credit reports throughout Europe and 200 million international business credit reports worldwide. We provide freshly investigated Gambia Credit Reports which can be done prior to trading to make sure the company you will be dealing with can meet the commitment or once the debt becomes overdue to ensure the debtor can meet the amount owed. 

Gambia Skip Tracing Agents 

Creditreform’s debt collection company service also uses expert local Gambia tracing agent services to locate any absconded debtor. This debtor tracing service is provided on a No Find No Fee basis only charging for a successful trace. 

Specialist Debt Recovery Experts 

There are many unique requirements to recovering international debts in all countries including Gambia debt collection services which differ from the UK and therefore it is very important that cases are handled directly by our expert international debt collection agencies and not from debt collectors UK. This method of international debt collection sets Creditreform aside from the competition who in many cases try and recover debts from a UK debt collector only. Using the local offices and partners enables us to achieve a far greater success rate and our No Win No Fee service together with competitive commission rates against monies recovered only ensures you get the best service. 

Gambia Debt Collection Partners in the following Gambia Cities: 

What is the legal system in Gambia? 

The Gambia legal system is based on common law and sharia law. 

Which countries border Gambia? 

vThe Gambia is located in western Africa and is bordered by Senegal to the north, east, and south. 

Who are the main trading partners for Gambia? 

The main trading partners for Gambia are China, India, Brazil, Senegal, and Netherlands

What is the Supreme Court in Gambia? 

The Supreme Court for Gambia is called the 'Supreme Court of the Gambia' which was established in 1851. 

Gambia Debt Collection Agency FAQs 

1. How does a Debt collection agency in Gambia recover overdue debts? 

The debt collection process is initiated by an introductory letter to your debtor stating the amount owed to you and informing them of our involvement. Letters are then followed up with emails and telephone calls. From our experience the most effective part of this process will be the outsourcing to a third party debt collection agency in Gambia as the debtor now has to resolve the debt and can no longer hide or provide lame excuses. 

2. How long does the debt recovery agency in Gambia take to process a case? 

The debt collection case will be processed immediately up receipt and a letter sent normally by email and post. You will receive an automated confirmation by return. 

3. What is the success rate for debt collection agencies in Gambia? 

The success rate of the debt recovery case depends on a number of factors including the solvency of the debtor and whether the case has a legitimate dispute. Our aim is to recover every debt that is recoverable. 

4. Does the debt recovery agency in Gambia operate a No Win No Fee debt collection? 

We take on all debt collection cases on No Win No Fee basis only charging the agreed commission against monies recovered. 

5. Why use a local debt recovery agency in Gambia? 

The reasons for using a local Gambia debt collection agency than processing from a different country is the debt collector in Gambia speaks the local language, knows the local laws and operates in the same time zones. 

6. Are there any debts too old or too small for Gambia debt collection? 

We will assess all debt cases, irrelevant of age and size and then advise the best processes to recover these through the Gambia debt collector. 

7. How do I instruct the debt collectors in Gambia? 

Instructing the debt collectors Gambia is a simple process. You just email details of the debt, debtor and amount to be recovered and the case can be initiated. 

8. What evidence do I need to provide when instructing the Gambia debt collector? 

When instructing the debt collector in Gambia just provide copies of invoices/statements, debtor contact details and any relevant information you may have to assist with the recovery process. 

9. Who does the debtor pay? 

In general the debt collector in Gambia will request payments to be sent directly to the client but if not possible for any reasons will take payment directly. If payment is taken then cleared funds will be processed and sent to client straight away. 

10. Can I instruct multiple cases? 

You can send unlimited debt case instructions. Our systems will automate volume cases to meet your requirements. 

11. Can you trace debtors in Gambia? 

Through our network of skip tracing agents we have an extremely high success rate of locating your absconded debtor. 

12. How long does the debt collection process take? 

On average the debt collections process takes 90 days to resolve an amicable debt recovery case. There are a number of factors that can delay this process but we will keep you informed every step of the way. 

13. What are my options if debt collection in Gambia is not successful? 

If the debt recovery service is not successful we will advise you of your options including legal actions. Please note no legal actions or other processes will be taken without prior instruction from you. 
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