About Us


We are here to help

As a specialist debt recovery and dispute resolution firm for more than 20 years, we have built up considerable expertise in what we do. We get results for our clients due to our exceptional experience. We advise credit managers on the best strategy for their cases and ensure that costs are kept to a minimum.

By spending the time to get to know our clients and their businesses we are in a better position to provide relevant and appropriate advice. Our clients have the confidence to trust what we are saying. That is why we have many clients who are still successfully using us for their debt recovery and litigation needs after more than two decades.

My account manager is extremely efficient and helpful. Nothing is too much trouble, he always answers my questions, gives excellent advice, and if on the rare occasion he does not know something, or is unsure, is not afraid to say so and will always find out the answer. This, in my view, makes him extremely trustworthy and reliable.

Credit Manager - WB Poultry

Our Team

Charles Wilson
Chairman - Solicitor

Charles graduated with a degree in Business Marketing, but retrained as a solicitor before founding Lovetts with Paul McCulloch. Charles and his wife have four grown up children and enjoy touring Europe in the summer.

Paul McCulloch
Director - Solicitor

Paul created Lovetts with his business partner Charles and initiated the development of Lovetts’ own in-house software. He has a grown up family and enjoys going fishing.

Michael Higgins
Managing Director

Joining Lovetts in 2007, Michael moved up the ranks and was appointed MD in 2015, where he upholds the Lovetts ethos of innovation and cost effective debt recovery. He is a lifelong Chelsea FC fan.

Andrew Dancy
IT Manager

Andrew previously worked as Head of IT & Operations for Wiggle, the online tri-sports retailer. He remains involved with some of the technology start ups he has founded or funded over the years.

Aida Garcia-Bixquert
.NET Developer

Aida has a masters degree in Computer Science and is managing the development of the code used in Lovetts' programs and website. She enjoys scuba diving, travelling and the cinema.

Jamie Gavin
Marketing Manager

As Marketing Manager for Lovetts, Jamie has previously worked for the Professional Publishers Association (PPA), comScore, and the Network for Global Media (FIPP). In his spare time he enjoys music and football.

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Kimberley Bonham
Digital Marketing and Client Services Executive

Kimberley began her Post-Graduate Career at Lovetts in July 2019. Her interests in Photography, Law and people have been invaluable to her role as Digital Marketing and Client Services Executive.

Emma Davis
Shirley Hodge
Credit Controller

Shirley joined the firm in 2008, celebrating her 10 year anniversary with Lovetts Solicitors last
November. Her hobbies include reading, cooking and making costumes for her local Pantomime Company.

Sunita Minhas

Sunita is a Solicitor that joined the Litigation team in 2018 from Sethi Solicitors. Sunita provides clear and concise advice and is experienced in dispute resolution.

Wendy Miles
Litigation Executive. FCILEx

Wendy is a Litigation Executive with extensive experience in commercial litigation matters, specialising in contractual disputes, damages claims, construction disputes, debt recovery matters and tortious claims.      

Gemma Gatford
Legal Secretary

Gemma has been with the company for many years and offers assistance to the Litigation and Legal team. Outside of work she enjoys spending time with her family and friends.

Sarb Dhaliwal
Legal Depart. Manager Chartered
Legal Exec. FCILEx

Sarb joined Lovetts in 2009 having qualified as a Legal Executive. She thrives under the pressure of dealing with defended cases and to date has not lost any cases at court. Her goal is to maintain this record.

Clare Hymas

After several years in Guildford County Court, Clare joined Lovetts in 1997. She now works part-time, both in the office and online. She and her husband, Chris, a Chartered Accountant, have two children.

Tiffany Anderson
Paralegal. GCILEx

Tiffany joined Lovetts in 2016, after having previous experience within a Debt Recovery Solicitors. Tiffany has a law degree and is currently finishing her portfolio to qualify as a chartered Legal Executive.

Jack Reynolds

Jack joined Lovetts in 2017 after graduating in a degree in Law and is now a strong member of the legal team. In his spare time he's a keen cinema goer and also enjoys travelling with friends.

Monika Hamblin
Callum Crow
Junior Paralegal
Simon Chevassut
Junior Paralegal
After finishing his LPC LLM in 2018, Simon joined Lovetts in April 2019 as a Junior Paralegal. His interests include different variations of sport such as football, tennis and Formula 1.
Joanna Brown
Senior Prelegal Executive

Joanna operates our UK Prelegal department. Living with her husband and son in Woking, Joanna enjoys family walks with the dog, netball, reading and travel.

Debra King
Senior International Collections Specialist

Debra has worked within the debt recovery industry for over 20 years, specialising in international collection. She joined Lovetts’ international collections team in 2013 and enjoys spending her spare time with her dogs.

Chris Earl

Currently studying the Legal Practice Course Chris joined Lovetts in January 2019 looking to become a solicitor. Outside of work his interests include playing football and watching Chelsea play.

Haydn 4
Haydn Green
Junior Paralegal

Haydn joined Lovetts as a Junior Paralegal in July 2019, having graduated with a Law degree in 2017. In his free time he enjoys spending time with his family and watching football.



Lovetts 'Credit Champions' In Association with the Chartered Institute Of Credit Management



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