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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 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

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Zimbabwe 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.

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 Zimbabwe:

–       Location of office in Zimbabwe:

–       Number of staff:
15 lawyers and 35 support staff.

–       How long been operating in Zimbabwe:
Our local partner has been in existence since August 1893.

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

–       Statute 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.

–       How many company registries in Zimbabwe for businesses?
There is one in Harare and another in Bulawayo

–       What is the collection process in Zimbabwe?:
Demand followed by summons or negotiation of payment terms.

–       Average length of time to collect?:
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 be added to claims?:
If they were part of the agreement.

–       Details on legal service / legal 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.

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.

“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