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

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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.

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 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 Gibraltar

–       Location of office in Gibraltar
292 Main Street Gibraltar

–       Number of staff
18 staff

–       How long been operating in Gibraltar
since 1991

–      What type of debts do you recover?
We do both commercial debt collection (B2B) and consumer debt collection (B2C)

–       Statute of limitation in Gibraltar
6 years (for contracts)

–       How EU 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 company registries in Gibraltar for businesses? (i.e. UK just has 1 central registry)
1 –  Companies House Gibraltar.

–       What is the debt collection process in Gibraltar?
As per the Civil Procedure Rules.

–       Average length of time to collect?
This 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 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.

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 office base 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