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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

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Gambia Debt Collection – No Win No Fee


Creditreform operates a global specialist International debt collection 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.

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 the UK are as follows:

The local International Debt collection Partners know:

  1. The local cultures
  2. The languages
  3. The laws
  4. Are in the same time zones


Herewith details of our debt collection service Gambia:

–       Location of office(s) in Gambia

–       Number of staff

–       How long been operating in Gambia
Since 1991

–      What type of debts do you recover?
Both commercial (B2B) and consumer (B2C) debts

–       Statute of limitation in Gambia
6 years

–       How many company registries in Gambia for businesses? (i.e. UK just has 1 central registry)
1 central Banjul registry and 1 subsidiary based in Kanifing Municipality.

–       What is the 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.

–       Can late payment fees / interest be added to claims?
Only if part of original agreement.

–       Details on legal service / legal 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.

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.

“We are pleased with the friendly and efficient service of Adrian Harding and staff at Creditreform in collecting outstanding overdue debts on our behalf. Some accounts, especially those located overseas have been difficult customers but we are pleased with the high rate of success. We also appreciate that they keep us informed and constantly updated on the progress of the collection”
Bryan de Beer, Phoenix Fragrances
“Within 48hrs of Creditreform being involved a resolution was agreed and within the week paid in full. The professionalism of the Creditreform team was second to none and I would and indeed do recommend them to colleagues in a similar difficult position This situation was the first time we have had to employ a company for debt recovery and it was good to feel that you have someone else ‘on your side’.”
Dean Lake, Lake Contracts
“We have been using Credit Reform for a number of years now and we have always been dealt with in a professional and friendly way. Over time, Creditreform have managed to achieve good results for us. Would definitely recommend.”
Anna Zhakrova, Catering Hygiene Specialists Ltd
“I have worked with Creditreform for many years and always received a first class service. Keep up the good work”
Russell Hardwick, MSC Industrial