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 Mozambique

Mozambique is divided into 11 provinces. Our local head office is in Beira with further offices in Tete, Nampula, Nacala and Pemba so we can recover debts throughout all of Mozambique.

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 Mozambique Portuguese is the most widely spoken along with many indigenous languages. These are reasons why Creditreform are the ideal people to help you in collecting debts from overseas.

4. Statute of Limitation in Mozambique

5 years but there are special exemptions so whatever the age please contact us and we will advise if we can assist with your claim

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:


    Mozambique 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:

    1. The local cultures
    2. The best methods of initiating debt recovery letters and processes
    3. The languages
    4. The laws
    5. Are in the same time zones

    Herewith details of our debt collection service Mozambique

    Location of debt recovery office in Mozambique

    Beira (Head Office), Tete, Nampula, Nacala and Pemba (Centre an North Region).

    All debt collection letters are sent by the local offices.

    Number of staff

    15 Lawyers and 2 Trainees

    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 been operating debt recovery service in Mozambique

    Since 2003

    What type of debt collection services do you recover? Do you do commercial debt recovery  (B2B) and consumer debt recovery (B2C) debts?

    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.

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

    No effect

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

    Also one registry, but in many cases a difficult access to a information. There is not online information.

    General comments regarding process in Mozambique for debt collection and how differs from UK debt collection and other European countries:

    What is the debt collection process in Mozambique?

    Extra judiciary, judiciary debt collection. All cases are initiated by a debt recovery letter.

    Average length of time to collect a debt?

    Depends. Judiciary collection we cannot compromise with a length of time

    Can late payment fees / interest be added to claims?

    A lawyer cannot make his fees depends 100% of the result of the collection. Is legal to charge interests. But if the parties have not agreed to default interest, the lender will only charge the statutory commercial interest rate of 7% per annum (the average bank interest rate is at 19% per annum)

    Mozambique is in economic and financial crisis now. But will be one of the fastest growing African countries in the next 5 years. Because of the huge gas development industry in the Cape Delgado Province where we have an office in the capital: Pemba.

    Mozambique 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 Mozambique 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.

    Mozambique Tracing Agents

    Creditreform’s debt collection company service also uses expert local Mozambique 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 Mozambique debt collection services which differ from the UK debt collection agency  services 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