Recovery proceeds on three parallel tracks, calibrated to the contractual law, supervisory regime and documentary record of each file. The tracks are coordinated, not sequential.
Formal demand under the underlying agreement, pre-action correspondence, proceedings preparation, and litigation conduct where required. Forum selection follows any exclusive jurisdiction clause in the underlying agreement.
Engagement with the competent supervisory authority of the counterparty's home Member State. Calibrated as a credible reservation, not an opening move. Where a counterparty engages in good faith, the supervisory complaint is not filed.
The documented chain of assignment, notice, authority, joinder, and director's confirmation instruments. Designed to address defensive postures on assignment validity before they are raised.
We take legal title under a Claim Assignment and Recovery Agreement executed via Scrive or DocuSign under eIDAS Regulation (EU) No 910/2014. A separate counterparty-facing Claim Assignment Agreement and Notice of Assignment are served on the regulated PSP on the same operative date.
Before any pre-action correspondence is served, a financial controller works the merchant-side record — bank statements, accounting records, settlement files, scheme passthrough data — against the counterparty's monthly statements. Undocumented internal adjustment lines, reserve transfers and contested deductions are isolated with precision.
A substantive demand letter is served on the counterparty's legal function, citing the executed contractual provisions, scheme correspondence, and reconciliation evidence. The demand includes a defined production deadline and a defined response window.
Where the counterparty does not engage within the response window, or where the response posture is unsupportable on the documentary record, supervisory engagement at competent authority level is opened in the counterparty's home Member State.
Where required, proceedings are prepared in the named forum. Settlement is the preferred outcome on every file — commercial settlement on mutual release and mutual confidentiality, executed under a formal settlement deed.
You face no out-of-pocket cost during the recovery and retain a substantial share of any recovered amount. The structure has three operative elements.
You contribute no funds. The firm funds all Legal Costs in the first instance.
Default 50/50 on the net Recovered Amount. Calibrated on a continuous scale between 75/25 in your favour and 75/25 in ours.
Legal Costs are only deducted from your share once cumulative recoveries reach 2× cumulative Legal Costs paid by the firm.
The Complexity Threshold Assessment determines where each file sits on the calibration scale. The 25/75 endpoints are outer parameters reached only by files at the extremes.
Single jurisdiction, complete documentary record, no material assignment obstacles, short retention duration.
The default position absent calibration in either direction along the scale.
Multi-jurisdictional, significant procedural, regulatory or structural complexity, long retention duration.
The Complexity Threshold Assessment is completed within 30 calendar days of execution of the Claim Assignment and Recovery Agreement. The factors considered include, without limitation:
The calibrated split is communicated in writing before commencement of substantive recovery activity and is final upon written communication.
“Disciplined, institutional conduct. The Assignment confers your rights — and nothing more. Those rights are exercised with documentary discipline and with the conduct expected of a serious institutional claimant.”
Our enquiry takes about thirty minutes. We respond within five business days with an initial fit assessment.