Seven phases. Indicative timing of three to twelve months from execution of the Claim Assignment and Recovery Agreement, depending on the counterparty's posture and the documentary complexity of the file. Where a counterparty engages in good faith the timeline compresses materially.
You submit either the 5-minute Quick fit check or the 30-minute full intake. The firm responds within five business days with an initial fit assessment. If the file is a fit, we open a candidate matter and request the documentary record.
The merchant services agreement, schedules, side letters, statements, scheme passthrough data and dispute correspondence are received and indexed. A financial controller works the merchant-side record against the counterparty's ledger and isolates undocumented adjustment lines with precision.
The Claim Assignment and Recovery Agreement is executed via Scrive or DocuSign under eIDAS Regulation (EU) No 910/2014. The Complexity Threshold Assessment is completed within 30 calendar days of execution; the calibrated recovery split is communicated in writing. A separate counterparty-facing Notice of Assignment is served on the regulated PSP on the same operative date.
A substantive demand letter is served on the counterparty's legal function, citing the executed contractual provisions, scheme correspondence and reconciliation evidence. The demand sets a defined production deadline and a defined response window. Pre-action correspondence proceeds where the counterparty engages constructively.
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. Calibrated as a credible reservation, not an opening move.
Where required, proceedings are prepared in the named forum. Counsel of record is engaged on a per-jurisdiction basis. Settlement is the preferred outcome on every file — commercial settlement on mutual release and mutual confidentiality, executed under a formal settlement deed.
On receipt of recovered amounts, Legal Costs and the calibrated split are applied. The merchant's share is distributed to the verified bank account of record. A closing memorandum records the Recovered Amount, the cost recovery applied, the calibrated split, and the matter is archived under the firm's retention schedule.
Time-to-recovery is principally a function of three variables: the counterparty's engagement posture, the documentary completeness of the merchant-side record, and the supervisory and forum architecture in the counterparty's home Member State. Where the counterparty engages in good faith and the documentary record is high, settlement typically lands within three to six months. Where the counterparty resists and the regulatory architecture is split or multi-jurisdictional, the file proceeds toward proceedings and the timeline extends.
The fastest path to a view is the five-minute fit check. The full file submission supports a substantive assessment.