About us

Welcome to Lovetts!

As a specialist debt recovery and dispute resolution firm for the last 30 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 on business debt collection. 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.

All work is supervised by the relevant department manager, and managers are supervised by the Operations Manager and the Managing Director.

Meet the Team

  • Charles Wilson


    Charles qualified as a solicitor in 1977, after graduating in Business Marketing in 1973. In 1981 he formed a general practice with his business partner Paul McCulloch. In 1994 they decided to specialise in debt recovery and created Lovetts. Charles has been Chairman of Lovetts since, and was Managing Director until 2015. He has a large family including 12 grandchildren, and enjoys motorcycling and golf to escape!

  • Michael Higgins

    Managing Director

    Joining Lovetts in 2007, Michael moved up the ranks and qualified as a Solicitor in 2011. In 2015 he was appointed Managing Director. Michael has ensured that the Lovetts ethos of innovation and cost effective debt recovery has remained a core part of the business. Michael is trained in Mental Health First Aid. He spends his free time with his family and supporting Chelsea FC.

  • Paul McCulloch

    Director – Solicitor

    Paul qualified as a Solicitor in 1975 and created Lovetts with his business partner Charles. He initiated the development of Lovetts’ own in-house software and is now a Non-Executive Director of Lovetts. He has a grown up family and enjoys going fishing.

  • Andrew Dancy

    IT Director

    Andrew joined Lovetts in 2004 and was appointed as a Director in 2019. He manages the IT department and works alongside the Managing Director on operational and commercial matters. Andrew’s previous experience included working 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.

  • Emma Davis

    Finance Manager

    Emma joined Lovetts in 2017 having previously worked for a large company within the aviation industry. She received a First Class Honours in Business Economics with Finance at the University or Surrey in 2009. In her role as Finance Manager, Emma not only supervises the accounts team but she ensures that the high volume of payments received are handled correctly and remitted to clients promptly. In her spare time Emma enjoys reading, gardening and watching Tennis.

  • Wendy Miles

    Litigation Manager

    Wendy is a qualified Chartered Legal Executive and manages the Litigation department. Wendy joined Lovetts in 2015 having moved from a large regional law firm. Wendy has gained extensive experience since 2007 in commercial litigation matters, specialising in contractual disputes, damages claims, construction disputes, debt recovery matters and tortious claims. She is also trained in Mental Health First Aid.

  • Chris Earl

    Operations Manager/Solicitor

    Chris joined Lovetts in 2019 and qualified as a solicitor in 2021. He handles disputed matters, dealing with high value claims and advises his clients with respects to their cases. Outside of work his interests include playing football, paintballing and watching Chelsea play.

  • Sarb Dhaliwal

    Legal Manager

    Sarb joined Lovetts in 2009 and qualified as a Chartered Legal Executive in 2011. She manages the Legal department which handles high volumes of claims. Sarb 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

    EC261 Claims Manager

    After several years in Guildford County Court, Clare joined Lovetts in 1997. She oversees the day to day running of our EC261 department which handles a high volume of flight compensation claims. She and her husband, Chris, a Chartered Accountant, have two children.

  • Noemi Ekomo-Esono Sanz

    Prelegal Department Manager

    Noemi is a qualified Spanish lawyer with specialisation in bankruptcy and insolvency. Noemi joined the PreLegal Department in January 2022 where she assists for the overseas and UK cases on our client’s behalf. Outside of work she enjoys traveling, and spending time with her family and friends.

  • William Sturge

    Consultant Solicitor

    Since qualifying as a Solicitor in 1984, William has become one of the leading Solicitors in the insurance industry. William has been recommended in the field of insurance by Legal 500 and Chambers UK and has advised on insurance and reinsurance claims both in the UK and worldwide. He has conducted litigation and arbitration matters and has regularly advised on insurance law issues arising out of insolvency situations. William is a member of the Chartered Insurance Institute and joined Lovetts as a Consultant Solicitor in January 2022.

  • Monika Hamblin

    Senior Paralegal

    Monika joined Lovetts in 2018 having previously worked as a Paralegal at a Surrey County Council. She is a Graduate member of CILEX and handles disputed flight compensation cases within the EC261 department. In her free time she enjoys spending time with her family.

  • Charlotte Peters


    After completing her LPC in 2020, Charlotte initially joined Lovetts as a Paralegal in the EC261 Flight Compensation Department and handled a high volume of claims and defences. In 2023, Charlotte qualified as a Solicitor. Charlotte previously worked for an airline in their claims department. In her spare time, she enjoys socialising with friends and family by going to concerts and the theatre.

  • Kimberley Bonham


    Kimberley began her Post-Graduate Career at Lovetts in July 2019. She is currently studying for her CILEX and works on flight compensation claims within the EC261 department. Her interests in include Photography and Law.

  • Aisha Razaq


    Aisha graduated with a Law degree from the University of Surrey in 2020. She joined Lovetts in 2021 as a Paralegal in our EC261 Flight Compensation department. A typical day involves issuing claims and assisting with the shared diary for the flight compensation department. In her spare time, Aisha enjoys spending time with her siblings and socializing with her friends.

  • Bailey Thomson


    Bailey joined Lovetts Solicitors in March 2022 after completing her law degree. She works within the Legal department, as a Junior Paralegal. In her spare time, Bailey enjoys going on long walks with her two dogs and travelling.

  • Gourav Gope


    Gourav graduated from Kingston University London with a master’s degree in accounting and finance. He currently serves as a pre-action commercial debt recovery paralegal, combining financial acumen with legal expertise to provide customised solutions for businesses. His approach focuses on maximising recovery while ensuring compliance with regulations. Outside of work, Gourav enjoys spending his free time at the gym, finding it rewarding both physically and mentally.

  • Ehthshaam Tariq


    Ehthshaam holds a degree from the University of Winchester and has completed his Legal Practice Course from the University of Law. He works as a pre-action commercial debt recovery paralegal, where he applies his legal knowledge with care and consideration. Ehthshaam finds joy in practicing judo during his free time, finding it both physically and mentally rewarding.

  • Izabela Zgoda


    Izabela holds a law graduate from the University of Kent, with an achievement of an Upper Second Class degree. She joined Lovetts in September 2023 as a paralegal in the prelegal department. Outside of work, she loves to travel.

  • Tara Dewey


    Tara graduated Sussex University in 2023 with a degree in Law and Business Management. She joined Lovetts in 2024 as a Pre-Action Commercial Debt Recovery Paralegal in the pre-legal department. In her free time, she enjoys walking her dog Frank and looking after her many plants.

  • Hollie Higgins

    Junior Paralegal

    Hollie joined Lovetts in 2021 having previously worked as a Legal Secretary at a general practice law firm from 2008 after obtaining a Level 2NVQ in Business Administration. Her role involves supporting the fee earners within the Legal department. In her free time, Hollie enjoys spending time with her family and reading.

  • Shirley Hodge

    Credit Controller

    Shirley joined the firm in 2008 as a Credit Controller. She has 14 years of experience in credit control. Shirley works within the Finance team setting credit limits and chasing late payments. Her hobbies include reading, baking and making costumes for her local Pantomime Company.

  • Gemma Gatford

    Legal Secretary

    Gemma has been with Lovetts since 2014 and offers assistance to the Litigation team as a Legal Secretary. She completed her secretarial qualification a little over 20 years ago and has worked within the legal sector from the age of 18. Outside of work she enjoys spending time with her family and friends.

  • Amy Tilley

    Digital Marketing Executive

    Amy is experienced in customer service having previously worked for a leading manufacturer of windows and doors. Amy is often the first point of contact when clients sign up and is always happy to help with any questions. She completed her Mental Health First Aid training in 2021. In her spare time she enjoys long walks with friends and spending time with family.

  • Sarah Vickery

    Client Services & Marketing

    Sarah joined Lovetts in 2023. She holds a BScEng and previously worked as an Account Manager and Marketing Manager in financial services. She handles all customer service needs and assists with marketing. In her free time, Sarah teaches drawing, illustrates greeting cards and enjoys dancing.

  • Aida Garcia-Bixquert

    .NET Developer

    Aida joined us in 2007, she 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.

  • George Sayer

    IT Manager

    George joined Lovetts in 2023 having previously worked at a global telecoms company and a large independent school. He handles Lovetts day to day IT issues. In his spare time, he enjoys walks with his family and gardening.

  • Daniel Parker

    Operations Developer

    Daniel joined Lovetts in 2023 and spends most of his time working on Lovetts’ in-house software and CaseManager. He holds a BEng in Electrical & Electronic Engineering and in his spare time enjoys baking bread and climbing.

  • Eva Andrikopoulou

    Office Administrator

    Eva graduated from University of Surrey with a degree in Law (Philosophy, Politics and Law) in 2023. She joined Lovetts in 2024 as an Office Administrator. In her spare time, she enjoys reading and travelling.

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