Technology-Driven, Ethically-Led: The Lawton Hathaway Approach to Debt Collection

At Lawton Hathaway, we believe debt collection should be a conversation, not a battle.

For too long, the industry has been synonymous with aggressive tactics, damaged relationships, and reputational risk. We’re here to change that.

For over 16 years, we’ve helped businesses maximise recoveries through a technology-first, FCA-compliant approach that blends automated engagement with human understanding. Whether we’re supporting consumer repayment journeys or resolving complex commercial debts, our goal remains the same: to protect your brand while delivering results you can trust.

Ethical Engagement

Debt recovery doesn’t have to mean confrontation. Our fully secure, tech-enabled process is designed to increase engagement, reduce reputational risk and achieve fair outcomes for all parties involved.

We operate with the belief that ethical engagement creates better returns. That’s why every interaction we have, via our 24/7 digital portals, over the phone or through traditional channels, is grounded in empathy, transparency and respect. We treat people like people, not reference numbers.

Regulation

As an FCA-regulated firm, we take compliance seriously, but we don’t stop there. Our consumer team applies affordability-based repayment strategies, ensuring that we support customer well-being while improving recovery rates. 

Whether we’re managing regulated or unregulated debt, our processes reflect the highest standards of care and align with consumer duty principles at every touchpoint.

Commercial Debt Recovery

From SMEs to large corporates, commercial debt recovery demands more than persistence - it requires strategy. Our team works closely with clients to reach amicable repayment agreements through optimised, professional engagement. When legal action is necessary, we act as a last resort, carefully weighing costs, brand impact and expected outcomes. Throughout, we remain focused on protecting relationships and reputations.

With our “No Collection, No Fee” model, we provide a cost-effective and results-driven solution. Every case is assessed on its unique merits, considering variables such as book value, debt age and average balance, ensuring that both consumer and commercial clients receive a tailored, ROI-focused service.

We’re proud to lead the way in ethical debt recovery - one that leverages automation without losing the human touch. Our 24/7 self-service platforms, real-time data dashboards and multi-channel engagement strategies ensure a seamless experience for clients and customers alike.

But what truly sets Lawton Hathaway apart is our unwavering commitment to doing the right thing. Every time. For every client. For every customer.

If you’re looking for a partner who can maximise recoveries while enhancing your reputation, we’re ready when you are.

Let’s talk. Get in touch to explore how we can help.