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 Zimbabwe 

Zimbabwe is divided into 12 provinces. Our local office is in Harare - the country's capital and most populous province enabling 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 Zimbabwe the main languages spoken are Shona, Ndebele and English. 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 Zimbabwe 

10 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: 

Zimbabwe 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. 
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 Zimbabwe: 

Location of debt recovery office in Zimbabwe? 

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

Number of debt collection staff? 

15 lawyers and 35 support staff. 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 in Zimbabwe? 

We have been operating an African debt collection service on a no win no fee basis in Zimbabwe since 1893. Zimbabwe 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 Zimbabwe? 

In terms of the Prescription Act [Chapter 8:11]
30 years, in the case of  a debt secured by mortgage bond, or a judgment debt 0r a debt in respect of taxation imposed or levied by or under any enactment or  a debt owed to the State in respect of any tax, royalty, tribute, share of the profits or other similar charge or consideration payable in connection with the exploitation of or the right to win minerals or other substances; 
15 years, in the case of a debt owed to the State and arising out of an advance or loan of money or a sale or lease of land by the State to the debtor unless a longer period applies in respect of the debt concerned in terms of paragraph; 
6 years in the case of a debt arising from a bill of exchange or other negotiable instrument or from a notarial contract or any other debt owed to the State which does not prescribe after 15 or 30 years; 
3 years in the case of any other debt except where any enactment provides otherwise. 
Zimbabwe 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 Zimbabwe is 3 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: 
Zimbabwe Open Account Years – 3 years 
Zimbabwe Promissory Notes – 3 years 
Zimbabwe Written Contracts – 3 years 
Zimbabwe Oral Agreements – 3 years 

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

No real impact in Zimbabwe. 
Zimbabwe signed a free trade agreement (FTA) as part of East African Community (EAC) & Southern African Development Community (SADC) together with the European Union (EU) in 2009 and several parties have provisionally applied between 2012 and 2019. This is referred to as the Economic Partnership Agreement between the EAC / SADC and the European Union. The other EAC / SADC states involved are Comoros, Madagascar, Mauritius, Seychelles and Zambia

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

There is one in Harare and another in Bulawayo 
There is 1 company registry in Zimbabwe which is called Department of Deeds, Companies & Intellectual Property - Registrar of Companies (Ministry of Justice Legal and Parliamentary Affairs, Republic of Zimbabwe) located at SV Muzenda & Samora Machel Avenue, 6th Floor, Block C, Harare, Zimbabwe. 
We have access to Zimbabwe Company Registry searches to find out who further background information on all Zimbabwe companies. 

What is the debt collection process in Zimbabwe? 

Demand followed by summons or negotiation of payment terms. 

Average length of time to collect a debt? 

The average time taken to recover a Zimbabwe B2B debt collection case varies from case to case. It depends on whether the debt is contested. If not contested we can have a judgment within a month. It also depends on the capability of the debtor to pay as we can proceed to execution and not find sufficient assets to execute. 

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

Yes, fees can be added for Zimbabwe debt collection cases according to local law but only if they were part of the agreement. 

Details on legal service / process in Zimbabwe? 

Legal services are offered by legal practitioners who are regulated by the Law Society in terms of statute. Actions can be instituted in the Magistrates’ Courts which are limited in terms of the monetary value that can be claimed. Actions can also be instituted in the High Court which has original jurisdiction. 
Exchange Control Authority is required before a resident incurs an obligation to make payment outside Zimbabwe. In addition there is a foreign currency shortage so payments from Zimbabwe are also subject to exchange control regulation and approval unless it is being done from free funds. 

Zimbabwe 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 Zimbabwe 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. 

Zimbabwe Skip Tracing Agents 

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

Zimbabwe Debt Collection Partners in the following Zimbabwe Cities  Bulawayo Debt Collection Agency Chinhoyi Debt Collection Agency Chitungwiza Debt Collection Agency Gweru Debt Collection Agency Harare Debt Collection Agency Kadoma Debt Collection Agency Kwekwe Debt Collection Agency Masvingo Debt Collection Agency Mutare Debt Collection Agency Victoria Falls Debt Collection Agency 

What is the legal system in Zimbabwe? 

The Zimbabwe legal system is based on South African law. An 1891 proclamation by the High Commissioner for Southern Africa applied the law of the Cape Colony (now part of South Africa) to Southern Rhodesia (now Zimbabwe). 

What is the name of the Government Gazette in Zimbabwe? 

The Gazette in Zimbabwe is called the Zimbabwean Government Gazette. 

Which countries border Zimbabwe? 

Zimbabwe is bordered in the south by South Africa; southwest by Botswana, north by Zambia, and the northeast by Mozambique

Who are the main trading partners for Zimbabwe? 

The main trading partners are South Africa along with other African countries, USA, China, and European Union

What is the Supreme Court in Zimbabwe? 

The Supreme Courts for Zimbabwe are called: 
Constitutional Court of Zimbabwe is the final court of appeals for all matters relating to the Constitution of Zimbabwe, 
The Supreme Court of Zimbabwe is the highest court of order and the final court of appeal in Zimbabwe which was established on 18th April 1980 and is located in Harare. 

Zimbabwe Debt Collection Agency FAQs 

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

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 Zimbabwe 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 Zimbabwe? 

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

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

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

Instructing the debt collectors Zimbabwe 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 Zimbabwe debt collector? 

When instructing the debt collector in Zimbabwe 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 Zimbabwe 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 Zimbabwe? 

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 Zimbabwe 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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