Clinical. Persistent. Relationship-Preserving.
Our materially-thin methodology balances technical precision with empathetic communication.
The Luum Methodology
Understand the Problem
We review your ledger, contracts and communication history to see what's really blocking payment.
Resolve the Issues
We speak directly with your customers, clear disputes, fix misunderstandings and agree realistic payment routes.
Secure the Outcome
We get the balance paid and strengthen the process so the problem doesn't repeat. No noise. No drama. Just clear, steady progress.
Ethical Recovery: Our TEXAS Model
We treat you ethically as a business with a recognized legal obligation — not a profit center to be exploited
Trust
Empathetically build rapport and confidence
Explore
Understand circumstances without judgment
eXplain
Outline obligations transparently
Adapt
Flexible reasonable solutions
Safeguard
Protect all parties' wellbeing
Support Services
- Links to national debt advice charities: StepChange, Citizens Advice, MoneyHelper
- Signposting to mental health helplines (MIND, Samaritans) in high-stress scenarios
- Transparency in enforcement actions (no 'surprise' escalations or unreasonable tactics)
Your Data is Secured
We are GDPR certified
Fully compliant with UK data protection regulations
Encrypted on Google Cloud
Enterprise-grade security infrastructure
No sub-processing without consent
Your data stays under our direct control
Lisa Moyo – Founder & Lead Specialist
10+ years in commercial debt recovery and B2B dispute resolution.
My career as a Credit Controller for over a decade was built on turning distressed, multi‑million‑pound ledgers into cash by removing the barriers that delay payment. I've specialised in complex M&E and national‑account disputes and high‑pressure recovery environments, with most of my experience across Fire & Security and Construction, delivering measurable results and contributing to a credit function recognised at the CICM British Credit Awards 2026. Earlier roles across recruitment, technology and the public sector strengthened my ability to manage high‑volume ledgers, navigate multi‑stakeholder pressures and apply commercially precise credit strategies across diverse industries.
- CICM Member
- Transforms distressed ledgers into predictable, reliable cash flow
- Cross‑industry expertise managing high‑volume portfolios and navigating multi‑stakeholder environments with commercial precision
Ready to experience the
Luum Difference?
Let's bring clarity to your payment disputes.
Book Your Free Consultation