Business Law Library & Tracker

Debt Recovery, Guarantees & Security

Unpaid invoices, guarantees, secured credit and enforcement options.

Sources last reviewed 28 July 2026

Main law guides

122

Acts, regulations and codes worth reading first

Topics

60

Plain-English clusters

Published case explainers

143

Selected cases with a business lesson

Tracked updates

11

New, amended & reviewed

Plain-English explainers, not legal advice. Use the linked official source for section-level detail, and get advice for your situation.

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Main laws

Main lawUnited Kingdom

Consumer Protection from Unfair Trading Regulations 2008

SI 2008/1277

PriorityIn force4 practical checks · checked 13 June 2026
Consumer Law & TradingAdvertising, Marketing & PromotionsDebt Recovery, Guarantees & Security
Main lawUnited Kingdom

Employment Rights Act 2025

2025 c. 36

PriorityPartly in force5 practical checks · checked 18 July 2026
Employment & WorkplaceRegulatory ComplianceWages, Leave & PayrollDismissal, Redundancy & GrievancesDebt Recovery, Guarantees & SecurityTelecommunications, Media & Content
Main lawUnited Kingdom

Insolvency Act 1986

UKPGA 1986 c 45

PriorityIn force4 practical checks · checked 13 June 2026
Insolvency & RestructuringFinance, Payments & SecurityDirectors' Duties & GovernanceLiquidation & RestructuringDebt Recovery, Guarantees & SecurityDisputes, Enforcement & Remedies
Main lawUnited Kingdom

Late Payment of Commercial Debts (Interest) Act 1998

UKPGA 1998 c 20

PriorityIn force4 practical checks · checked 13 June 2026
Contracts & CommercialFinance, Payments & SecurityDebt Recovery, Guarantees & SecurityDisputes, Enforcement & Remedies
Main lawUnited Kingdom

Landlord and Tenant (Covenants) Act 1995

UKPGA 1995 c 30

PriorityCurrent legislation7 practical checks · checked 28 July 2026
Business Sales & AcquisitionsCommercial Leases, Rent & OutgoingsDebt Recovery, Guarantees & SecurityDisputes, Enforcement & RemediesFinancial Services, Credit & PaymentsInsurance Policies & ClaimsImport, Export, Sanctions & Customs
Main lawUnited Kingdom

The Cross-Border Insolvency Regulations 2006

UnitedKingdomStatutoryInstrument 2006 1030

PriorityCurrent legislation7 practical checks · checked 28 July 2026
Insolvency & RestructuringLiquidation & RestructuringDebt Recovery, Guarantees & SecurityDisputes, Enforcement & RemediesImport, Export, Sanctions & Customs

Cases

High Court of Justice[2026] EWHC 631 (Ch)25 Feb 2026

Amber Bridging Limited (In Administration) & Anor v Market Financial Solutions Limited

If your business relies on a servicer, manager, agent, broker or group company to collect and apply money, treat the payment mechanics as a core legal risk area....

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Directors' Duties & GovernanceLiquidation & RestructuringDebt Recovery, Guarantees & SecurityTelecommunications, Media & Content
Court of Appeal of England and Wales[2026] EWCA Civ 14019 Feb 2025

DSG Retail Limited v The Information Commissioner

If your business can identify a person from information in its systems, you should usually treat that information as needing appropriate protection, even where an...

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Privacy & DataBusiness Sales & AcquisitionsData Breaches & CybersecurityDebt Recovery, Guarantees & SecurityDisputes, Enforcement & RemediesStandards, Accreditation & Certification
High Court of Justice[2026] EWHC 953 (Ch)24 Apr 2026

Pridewell Properties (London) Limited v Spirit Pub Company (Managed) Limited

If you are a landlord relying on redevelopment to oppose a new tenancy, this case shows the court will test the practical detail, not just the headline plan. It is...

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Dismissal, Redundancy & GrievancesDirectors' Duties & GovernanceShareholders & Company ControlCommercial Leases, Rent & OutgoingsDebt Recovery, Guarantees & SecurityDisputes, Enforcement & RemediesFinancial Services, Credit & PaymentsImport, Export, Sanctions & Customs
Court of Appeal of England and Wales[2025] EWCA Civ 78324 June 2025

Vietjet Aviation Joint Stock Company v FW Aviation (Holdings) 1 Limited

For ordinary businesses, the durable lesson is simple: if your deal is funded by lenders or secured against key assets, do not treat the supplier or original...

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Dismissal, Redundancy & GrievancesShareholders & Company ControlDebt Recovery, Guarantees & SecurityLicences, Permits & RegistrationsDisputes, Enforcement & RemediesFinancial Services, Credit & PaymentsTransport, Shipping & LogisticsImport, Export, Sanctions & CustomsTelecommunications, Media & Content
High Court of Justice[2024] EWHC 2920 (KB)18 Nov 2024

Alex Not & Ors v Jaguar Land Rover Limited & Ors

For ordinary businesses, the durable lesson is less about diesel vehicles and more about how product complaints can scale. If many customers say the same product...

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Debt Recovery, Guarantees & SecurityDisputes, Enforcement & RemediesFranchising, Distribution & DealershipsFinancial Services, Credit & PaymentsTelecommunications, Media & Content
Employment Appeal Tribunal[2024] EAT 10623 Jan 2024

Hendy Group Ltd v Daniel Kennedy

If you are making someone redundant, do not treat redeployment as a box-ticking exercise. This case shows that fairness may depend on whether you took reasonable...

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Employment & WorkplaceDismissal, Redundancy & GrievancesDebt Recovery, Guarantees & SecurityDisputes, Enforcement & RemediesFranchising, Distribution & Dealerships
Court of Appeal of England and Wales[2024] EWCA Civ 54120 May 2024

Options UK Personal Pensions LLP v Financial Ombudsman Service Limited

If your firm is FCA-regulated, do not assume that execution-only wording or no-advice declarations will protect you from a complaint about losses. This case shows...

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Dismissal, Redundancy & GrievancesDirectors' Duties & GovernanceDebt Recovery, Guarantees & SecurityInsurance Policies & ClaimsConsumer Complaints & Dispute Resolution
Court of Appeal of England and Wales[2024] EWCA Civ 25415 Mar 2024

Rajinder Kumar & Ors v LSC Finance Limited

If your business lends or borrows against land, do not treat purpose wording as boilerplate. A court will look at the actual intended use of the land and the real...

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Dismissal, Redundancy & GrievancesDirectors' Duties & GovernanceDebt Recovery, Guarantees & SecurityDisputes, Enforcement & RemediesFinancial Services, Credit & PaymentsAgriculture, Farming & Rural BusinessInsurance Policies & ClaimsStandards, Accreditation & Certification
UK Supreme Court[2024] UKSC 2812 Sept 2024

Tesco Stores Ltd v USDAW

Employers should be careful with promises described as permanent, guaranteed or protected. Cost pressure later may not justify undoing a carefully negotiated...

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Employment & WorkplaceContracts & CommercialEmployment Contracts & PoliciesDebt Recovery, Guarantees & SecurityDisputes, Enforcement & Remedies
High Court of Justice[2024] EWHC 1276 (Ch)24 May 2024

The Financial Conduct Authority v London Property Investments (UK) Limited (t/a LPI Emergency Property Finance) & Ors

For ordinary businesses, the practical lesson is simple: if you operate in the space between distressed homeowners and lenders, do not assume you are just an...

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Debt Recovery, Guarantees & SecurityLicences, Permits & RegistrationsDisputes, Enforcement & RemediesFinancial Services, Credit & PaymentsImport, Export, Sanctions & CustomsTelecommunications, Media & Content
Court of Appeal of England and Wales[2022] EWCA Civ 86423 June 2022

Credico Marketing Limited & Anor. v Benjamin Gregory Lambert & Anor.

If your agreement contains both an exclusivity clause and a post-termination non-compete, assess them separately. This case shows that a court may uphold the first...

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Restraints, Confidentiality & Trade SecretsDirectors' Duties & GovernanceShareholders & Company ControlAdvertising, Marketing & PromotionsDebt Recovery, Guarantees & SecurityDisputes, Enforcement & RemediesCharities, Clubs & Member GovernanceUnions, Collective Bargaining & Industrial ActionStandards, Accreditation & Certification
Court of Appeal of England and Wales[2022] EWCA Civ 88930 June 2022

Dwyer (UK Franchising) Limited v Fredbar Limited & Anor.

If you use franchise agreements, do not assume a 12 month restraint is safe just because similar clauses have been upheld elsewhere. The court said each case turns...

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Dismissal, Redundancy & GrievancesDirectors' Duties & GovernanceShareholders & Company ControlDebt Recovery, Guarantees & SecurityFranchising, Distribution & DealershipsImport, Export, Sanctions & CustomsStandards, Accreditation & Certification