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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

Tiffany Anderson
Paralegal. ACILEx

Tiffany has a few years experience in this industry, which has provided her with a great insight into Debt Recovery Litigation. Tiffany's interests include film, cooking and music.

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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.

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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.

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Sarb Dhaliwal
Legal Depart. Manager Chartered
Legal Exec. FCILEx

Sarb joined Lovetts in 2009 having just 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.

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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.

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.

Micheal 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.

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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.

Debra King
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 two dogs.

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.

Cassandra McCarthy
Operations Director - Solicitor

With extensive experience in Commercial Litigation, Cassandra strives to provide a cost effective service for her clients. Her spare time is spent with her two children or playing netball.

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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.

Wendy Miles
Litigation Executive

Wendy is a Litigation Executive with over 9 years’ experience. In her spare time, she enjoys spending time with family and friends as well as knitting and attending rock concerts.

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Akim Tarika
Digital Marketing & Sales Executive

Akim Tarika joined the Lovetts Marketing team in 2018 having had previous experience with Digital Marketing and Media. Akim made a quick impact with his positive attitude and creativity.

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 enjoys adventures with friends.

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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.



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



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