Hi Issam, thank you for taking the time to write this, and we're sorry you were left feeling unheard. There are a few things in it we'd like to correct, so anyone reading has the full picture.
First and most importantly: you have not paid Debitura anything. Not a fee, not a deposit, not an administration charge. Debitura works strictly on a no cure, no pay basis — we are paid a share of money actually recovered, and nothing else. Submitting a case, having it reviewed, and having it closed cost you nothing at all.
On the suggestion that we refused to investigate: your case was submitted on a Friday evening and reviewed manually by a person here, at our own cost. We wrote to you twice asking for the underlying documentation, answered every message you sent us the same day you sent it, and gave you a decision with a written reason by Monday. That is two business days. We understand you disagree with the decision — but your case was read, assessed and answered, and not one minute of that work was billed to you.
On the documents: we asked for the source documents to be supplied to the case file itself. That isn't a way of avoiding what you sent. A collection partner has to be able to put original documents in front of a debtor and, if it goes that far, a court, and material hosted in a third-party forum thread can't be used that way.
On why the case was closed: our partners recover unpaid business invoices between companies. Your claim was a different type of claim, and that is why it was closed — not its size. The sum on the case was also increased substantially after submission, with the added portion being projected lost profit that you calculated yourself. A collection partner can pursue a documented sum that a debtor owes; a claim for lost future profit is something only a court can assess and award. No collector could take that forward, and no honest one would promise you otherwise.
On the fee you mention: our success fee is a percentage of money actually recovered on a live case, and that percentage falls as the claim size rises — so when the claim on your case was increased, the rate on it went down, not up. It has never been a charge for closing a case. Your case is closed, no collection period was ever started, and no fee can ever arise from it. You are entirely free to pursue this claim through anyone else, and we make no claim on anything you recover.
We set all of this out to you in writing on the day we closed your case and invited you to come back to us with any questions. That invitation is still open, and we haven't heard back from you — reply to that email and we'll go through it with you point by point.
