Car Finance Sector

Debt Collection & Recovery for the Motor Trade & Finance Sector

We work on behalf of our clients to recover monies owed by car dealerships from following vehicle unwinds and disputes. 

Car finance agreements often involve structured repayments over an extended period, meaning missed payments can quickly escalate into significant arrears. Managing these internally can be costly and time-consuming.

Miller James provides professional debt recovery services to the car finance sector across Northern Ireland, and are FCA regulated to recover debts relating to regulated credit agreements.

• Experienced in recovering arrears on regulated credit agreements
• Skilled in pre-legal recovery and customer tracing
• Consumer-focused approach, maintaining fair treatment and compliance
• Tailored strategies integrated with client credit control systems

Supporting Car Finance Providers

Miller James provides a professional, FCA-regulated recovery service for motor finance lenders, vehicle leasing companies, hire purchase providers, PCP finance providers, dealership finance departments, and credit brokers. Our approach ensures that all recovery activity is compliant with Financial Conduct Authority guidance and Treating Customers Fairly principles.

We offer a complete range of services, including:

• Negotiation of affordable repayment plans
• Recovery of aged debt portfolios
• Pre-legal action and tracing of customers who have relocated
• Reporting and ongoing monitoring of recovery progress

Why choose Miller James?

With extensive experience in regulated sectors across Northern Ireland, Miller James delivers a compliant and efficient debt recovery service, giving car finance providers confidence and peace of mind.