Equivo

What Equivo does

Equivo Limited is a UK-based, privately-held provider of technology-enabled collections, recoveries and enforcement services, founded 1 June 2021 by John Ingram (CEO) and Jonathan Chatfield (Director of Enforcement). The firm operates as a multi-disciplinary practice with three divisions — Collections & Field, Legal Services, and Enforcement — and is the only UK provider in its peer set authorised concurrently by the Financial Conduct Authority (FRN 845356), the Solicitors Regulation Authority (811299), and the Ministry of Justice, allowing in-house delivery across the entire debt and recoveries lifecycle without third-party outsourcing.

The company's core products span four service lines: High Court Enforcement (CCJ enforcement, possession orders, employment tribunal awards, process serving), Lender Solutions (vehicle repossessions, voluntary terminations, arrears management, field reconnects), Property Services (CRAR, lease forfeiture, residential and trespasser evictions) and Debt Collection (commercial and consumer recoveries, Money Claim Online). Service delivery is built on a cloud-based case management platform with automated workflows, real-time client portals, and proprietary field technology — VulneraTrack™ for vulnerable-customer identification, GPS-enabled field prioritisation, ANPR vehicle tracking, and body-worn video evidence capture, with LexisNexis Visualfiles™ used for legal workflow management. Equivo holds ISO/IEC 27001:2013 (BSI-certified) and ISO 9001, Ecovadis Top 15% globally for sustainability, and is a Crown Commercial Service framework provider.

Equivo makes money through a mix of transaction-fee and fixed-fee instruments: 10–25% of sums recovered on debt collection (plus £25–£50 per letter), £175–£375 hourly legal rates for defended claims, £79+VAT statutory compliance fees per enforcement instruction, transaction-based repossession fees, and statutory fixed costs under CPR Part 45. The client base is enterprise-grade, comprising UK banks and lenders, judgment creditors, commercial and residential property owners, commercial businesses, and central government via the CCS framework; individual consumers interact through a separate pay-online portal. The firm operates from Reading (headquarters), London Strand (Enforcement Hub) and Bracknell, with a nationwide field team covering England, Scotland, Wales and Northern Ireland, and a headcount of 251–500.

Name

Equivo

Legal name

Equivo Limited

Website

https://equivo.com

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

251–500 employees

Short description

Equivo is a UK-based, FCA/SRA/MoJ-authorised provider of collections, recoveries, and High Court enforcement services to banks, lenders, judgment creditors, landlords, and government, using proprietary vulnerability-detection, GPS/ANPR field technology, and a cloud-based case management platform.

Ownership category

akta.pro rank

Product category

Debt Collection and Enforcement Services

NAICS

Repossession Services (561491), Credit Intermediation and Related Activities (522)

SIC

Services-Legal Services (8111), Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Auto Loan Servicing & Collections (FSAKADAK)

akta.pro secondary industries

Debt Buying / Portfolio Acquisition & Recovery (Debt Purchasers) (BPAAAEAG), Collections, Arrears Management & Debt Enforcement (BPAIADAD)

Keywords

• Debt collection services
• High court enforcement
• Vehicle repossession services
• Commercial rent arrears recovery
• Judgment enforcement services

Headquarters

HQ city

Bracknell

HQ country

United Kingdom

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Debt Recovery Fees – Percentage of Recoveries: Equivo charges between 10% and 25% of sums recovered, in addition to fixed activity fees (e.g., £25 initial letter, £50 letter of claim). The percentage depends on debt age and portfolio characteristics. This is the primary revenue stream for pre-litigation collections.
2. Fixed Fee and Hourly Rate Legal Services: For legal services and litigation, Equivo charges fixed costs per activity (issuing proceedings, obtaining default judgment, charging order applications) per Civil Procedure Rules Part 45, plus hourly rates for defended claims ranging from £175 (paralegal) to £375 (Legal Director).
3. Statutory Enforcement Fees: For High Court Enforcement and CRAR, statutory fees are charged per the Taking Control of Goods (Fees) Regulations 2014. A statutory compliance fee of £79 plus VAT per instruction is charged even if no monies are recovered.
4. Vehicle Repossession and Field Services: Fees for vehicle repossession, voluntary terminations, field reconnection visits, and arrears management services, with pricing negotiated based on portfolio size and requirements.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Equivo provides collections, recoveries, and enforcement services to lenders, banks, judgment creditors, property owners, and commercial businesses across the UK. Its service portfolio spans pre-action debt collection, County Court and High Court enforcement, vehicle repossessions, arrears management, and property possession recovery. The firm operates as a multi-disciplinary practice authorised by the FCA, SRA, and Ministry of Justice, combining field enforcement teams with in-house legal capabilities and a cloud-based case management platform.

Product overview

Equivo is a multi-award-winning, technology-driven collections, recoveries and enforcement services company operating as a single unified platform with distinct service divisions. The company offers four core service areas: High Court Enforcement Services (CCJ enforcement, possession orders, process serving), Lender Solutions (vehicle repossessions, arrears management, field reconnection), Property Services (CRAR, lease forfeiture, evictions), and Debt Collection Services (commercial debt recovery, MCOL). These services are powered by proprietary technology including VulneraTrack™ for vulnerable customer identification, GPS/ANPR vehicle tracking, body-worn video evidence systems, and a cloud-based platform with automated workflows and real-time case management. Client-facing self-service is provided through online portals for payments and case management.

Differentiator

Problem solved

Functional benefit

Products and services

• High Court Enforcement Services Full suite of High Court Enforcement services including CCJ enforcement, possession order enforcement, employment tribunal awards, foreign judgments registration, and process serving delivered by certified High Court Enforcement Officers.
• Lender Solutions Comprehensive lender services covering vehicle repossessions, voluntary terminations, early and late stage arrears recovery, and field reconnection visits using GPS-enabled field prioritisation technology, designed for banks, finance companies, and motor finance providers.
• Property Services Property owner services including Commercial Rent Arrears Recovery (CRAR), commercial lease forfeiture, residential tenant eviction, trespasser eviction, and squatter eviction for commercial and residential property owners.
• Debt Collection Services Debt collection services for commercial and consumer debts, including commercial debt recovery, Money Claim Online (MCOL) process management, and account handling with transparent communication for clients.

Quantifiable outcome

• Top 15% globally by Ecovadis for ethical and sustainable practices
• +1 more outcomes

Named customers4 records

Segments5 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability5 records

Feature5 records

Partnerships

Four partnerships are on record, tiered core and minor.

• Crown Commercial Service (CCS)coreStrategic or Co-development Partner · 6 January 2022Equivo was successfully appointed to the Crown Commercial Service's Debt Resolution Services framework, providing debt recovery services to UK government departments and public sector bodies. This is a prestigious government procurement framework requiring rigorous accreditation standards.
• Armed Forces Covenant – Career Transition Partnership (CTP)minorStrategic or Co-development Partner · 1 September 2021Equivo signed the Armed Forces Covenant, pledging to support veterans through recruitment and working with the Career Transition Partnership (CTP) to support the employment of Service leavers. Also partnered with Forces Families Jobs Forum for military spouse employment.
• BSI Group (British Standards Institution)coreImplementation/ SI/ Consulting Partner · 26 August 2021BSI Group awarded Equivo ISO/IEC 27001:2013 certification for its information security management system. BSI is UKAS accredited and is the strictest and most respected awarding body for certification in the UK.
• LexisNexis (Visualfiles™)coreTechnology or Integration · 16 June 2021Equivo invested in LexisNexis Visualfiles™, a legal workflow and case management solution that enables end-to-end services across collections, recoveries and enforcement with smoother and more efficient ways of working. The platform supports process automation for the large legal department.

Scale indicators3 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• BW Legal: BW Legal Services is a UK law firm focused on high-volume debt recovery and litigation, including pre-action collections and county court proceedings. Direct peer to Equivo given its legal-led, fixed-cost CPR Part 45 pricing model on defaulted consumer debts.
• Marston Group: Marston (formerly Marston Holdings) is the UK's largest integrated civil enforcement, debt recovery and legal services group, combining HCEOs, field enforcement, debt purchase and legal collections. Closest direct peer to Equivo due to overlapping multi-division platform (enforcement + collections + legal).
• Rossendales Limited: Rossendales is a UK debt collection and enforcement agency providing commercial debt recovery, trace, and process serving under FCA authorisation. Direct peer to Equivo on commercial debt recovery and ancillary enforcement services.
• Moorcroft Group: Moorcroft is a UK debt collection and trace services provider, acquired into the Marston Group. Direct peer in pre-action consumer collections, tracing, and creditor-side recoveries competing with Equivo for lender and utility mandates.
• Bristow & Sutor: Bristow & Sutor is a long-established UK civil enforcement and debt recovery firm with HCEO capabilities and nationwide field enforcement. Direct peer to Equivo in High Court Enforcement, CRAR and creditor-side field operations.
• DCBL (Debt Collection Bureau Limited): DCBL is one of the UK's largest commercial debt collection agencies, offering commercial and consumer collections with FCA authorisation. Direct peer to Equivo on pre-action and commercial debt recovery services for UK businesses.
• Jacobs Allen: Jacobs Allen is a UK debt recovery and enforcement firm combining field agent visits, process serving and legal action. Direct peer on the field-enforcement and pre-legal collections stack that Equivo competes against for SME creditor mandates.
• Wescott Credit Group: Wescott is a UK repossession and field services specialist serving motor finance, asset finance and retail credit clients. Direct peer to Equivo on vehicle repossession, voluntary terminations and field-based arrears management for lenders.

Broad incumbents

• Lowell: Lowell is one of Europe's largest credit management services groups, combining debt purchase (including Cabot Financial), collections, and recoveries across multiple geographies. Broad incumbent rather than direct niche peer, given portfolio ownership model sits beyond Equivo's third-party collection scope.
• Arrow Global: Arrow Global is a UK and European credit management and asset management group specialising in debt purchase and servicing. Broad incumbent comparable on the collections and recoveries process layer, though not direct niche peer given portfolio ownership focus.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/EquivoLtd
• LinkedInlinkedin.com/company/equivo

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Equivo