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 Gibraltar 

Gibraltar is very densely population with a population of over 30,000 over only 2.6 sq mi. Our local office is centrally located on Main Street in the commercial district.. 

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 this case English is the official language with Spanish being widely spoken as well. 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 Gibraltar 

3 years but there are 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: 

Case Study - EUR 3,500 recovered from Gibraltar Debtor 

Initiation of Case 
A Spanish client located in Barcelona had a debt of EUR 3,500 against a debtor in Gibraltar. The debt related to products purchased. Client chased for payment but when not received outsourced to Creditreform. 
Debt Collection Processes 
Upon receipt of the case we forwarded it to our local approved partner in Gibraltar. They then immediately sent the initial dunning letter to the debtor stating the amount owed and a deadline to pay. Following lengthy negotiations with the debtor a full settlement was effected. 
The client was extremely pleased with the efficiency and professionalism of our services provided. 

Gibraltar 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. 
Although Gibraltar is a British overseas territory, it has a separate legal jurisdiction from the United Kingdom. The Gibraltar economy is mainly based on shipping, tourism, financial services, and the Internet (predominately gambling). 
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 Gibraltar: 

Location of debt recovery office in Gibraltar? 

Main Street Gibraltar. All debt collection letters are sent by the local head office. 

Number of debt collection staff? 

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

How long have you been operating a debt recovery service in Gibraltar? 

We have been operating a European debt collection service on a no win no fee basis in Gibraltar since 1991. Gibraltar 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 Gibraltar? 

6 years (for contracts) in Gibraltar. 
Gibraltar 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 Gibraltar is 10 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. 

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

The legal system in Gibraltar is based upon the Civil Procedure Rules applied in England & Wales in most instances. 

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

There is 1 company registry in Gibraltar which is called Companies House Gibraltar located at 30-38 Main Street, 1st Floor The Arcade, GX11 1AA. 
We have access to Gibraltar Company Registry searches to find out who further background information on all Gibraltar companies. 

What is the debt collection process in Gibraltar? 

As per the Civil Procedure Rules. 

Average length of time to collect a debt? 

The average time taken to recover a Gibraltar B2B debt collection case varies from case to case. 
The process depends entirely on the conduct of the Defendant and whether or not payment is made upon Judgment. The need to enforce a Judgment will always delay collection. 

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

Interest is always in the Discretion of the Court. The Late Payment of Commercial Debts (Interest) Act 2003 provides for any qualifying debt created by contract to carry statutory interest at the rate of 8.5% per annum. 

Details on legal service / process in Gibraltar? 

Our lawyers work under the same conditions. The costs for the bailiff have to be paid in advance. They are added to the claim and have to be settled by the debtor. 
We have an own software-system that allows us to cover big quantities of files. They are processed the same day. Our clients receive also a login so they can check the status of their files whenever they want. They are always updated on the same day. 

Gibraltar Business Credit Reports 

Creditreform provides over 88 million international business credit reports throughout Europe and 200 million international business credit reports worldwide. There are over 60,000 companies registered in Gibraltar. We provide freshly investigated Gibraltar 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. 

Gibraltar Skip Tracing Agents 

Creditreform’s debt collection company service also uses expert local Gibraltar 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 Gibraltar 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. 

Sister Cities for Debt Collection in Gibraltar 

Gibraltar is a city located in Europe whose sister cities are: 
Ballymena, Northern Ireland 

What is the legal system in Gibraltar? 

The Gibraltar legal system is based on English common law. 

Which countries border Gibraltar? 

Gibraltar is an overseas territory of the United Kingdom which is located on the southern coast of Spain with Morocco to the south of the strait. 

Who are the main trading partners for Gibraltar? 

The top trading markets for Gibraltar are Spain, Netherlands, USA, United Kingdom, and Italy

Gibraltar Debt Collection Agency FAQs 

1. How does a Debt collection agency in Gibraltar 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 Gibraltar 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 Gibraltar 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 Gibraltar? 

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 Gibraltar 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 Gibraltar? 

The reasons for using a local Gibraltar debt collection agency than processing from a different country is the debt collector in Gibraltar 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 Gibraltar debt collection? 

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

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

Instructing the debt collectors Gibraltar 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 Gibraltar debt collector? 

When instructing the debt collector in Gibraltar 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 Gibraltar 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 Gibraltar? 

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 Gibraltar 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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