Our Debt Recovery Solicitors will aim to have issued a 7 day letter before action within 24 hours of receiving your instructions. If you are an existing client, that will be on receipt of details about the debt. If you are a new client, we will have to go through our new client procedures for compliance and security, but that will be dealt with promptly at our end. It does require you to provide signed terms of business and identification for Money Laundering purposes.
Following expiry of the 7 days, if we have not heard from you or the debtor, we will contact you to see if you have been paid. If you have, we will invoice for our fees. If you have not been paid, then we will expect instructions to issue proceedings. We will request money on account at this stage to cover costs and Court fees, and we will confirm our costs to you beforehand.
Once we have received instructions to issue proceedings, a claim will be issued either online or in paper depending on the complexity of the claim.
It can take up to 2 weeks for the Court Service to issue a Claim, but once it is issued it will be sent by the Court to the Debtor. They will then have 14 days to acknowledge the Claim and a further 14 days to defend it. Alternatively, they could simply pay.
If after 14/28 days there is no Defence to the claim, we will request the Court enters Judgment (known as a CCJ).
Once Judgement is received, we will explain your options in relation to enforcing that Judgement. That could include bailiffs to seize goods, bankruptcy, freezing bank accounts. We will explain these options to you further.