As of 13 August 2026, AI can only partly choose a commercial debt collection agency.

What to actually do

1. Hand it to a person

   The route this page recommends

   Someone with a licence or accountable authority has to sign this before it counts.

2. Use a tool built for this

   Second choice

3. Do it yourself

   The distant third

   A chat interface, chat-fluent skill, and roughly 1 hour until you can act on the result.

   How to actually do it

   1. Open a working document and record the debt type, total value, number of debts, debtor locations, disputed amounts, desired collection approach and any sensitive debtor circumstances.
   2. Gather each agency's current website pages, fee schedule, terms of business, privacy notice, complaints procedure, service description and any proposal or contract, then save the source URL with each document.
   3. Paste the requirements and the agency material into a chatbot using the supplied prompt, asking it to produce the evidence-based shortlist and comparison table.
   4. Compare every fee, contract term, data-processing term and service claim in the draft against the original agency documents, and delete any claim whose source is missing or unclear.
   5. Ask each shortlisted agency in writing for the unverified evidence listed by the chatbot, including references, insurance, complaints information, subcontractors, authorisations and its approach to disputed debts.
   6. Send the proposed appointment terms, data-processing arrangements and any disputed-debt issues to a UK solicitor or compliance specialist before signing, and keep their comments with the final procurement record.

   Prompt

   Help me assess commercial debt collection agencies for a UK business. Do not choose an agency solely from marketing claims and do not invent facts, fees, accreditations, recovery rates, complaints or legal powers. Use only the information I provide and clearly label anything that is missing, unverified or needs checking.
   
   My requirements:
   - Business sector: [sector]
   - Debt type: [for example, unpaid invoices or disputed commercial debt]
   - Approximate debt value and number of debts: [details]
   - Debtor locations: [UK regions or countries]
   - Whether any debts are disputed: [yes or no, with details]
   - Whether any debtors may be vulnerable or subject to special handling: [details]
   - Desired approach: [soft collection, litigation referral, insolvency referral or other]
   - Data involved: [personal data, financial data, special category data or none known]
   - Commercial constraints: [fees, commission, minimum volume, contract term and termination requirements]
   - Agencies and source documents to compare: [names, URLs and pasted documents]
   
   Produce:
   1. A shortlist only where the supplied evidence supports inclusion.
   2. A comparison table covering service scope, jurisdictions, collection methods, fees, minimums, contract term, termination, litigation or insolvency referrals, complaints handling, data protection terms, subcontractors, conflicts of interest and evidence of experience with this debt type.
   3. A separate list of claims that I must verify directly with each agency, including current authorisations, memberships, insurance, complaints history, references and any regulatory or legal limits that apply.
   4. Questions to ask each shortlisted agency before appointment.
   5. Contract points to have a UK solicitor or compliance specialist review.
   6. A reasoned recommendation between appointing an agency, seeking more evidence or handling the debts another way.
   
   Cite the exact supplied URL or document for every factual comparison. Treat missing evidence as missing, not as a negative fact. This is not professional advice. Do not tell me that an agency is legally compliant or suitable without evidence.

   Open it prefilled in ChatGPT or Claude, or copy it into Gemini, which takes no prefill link.