The 5-Step Recovery Process
- 1Friendly reminderCall or text. Give them 7 days. Note the date and what was said.
- 2First written reminderPolite letter. State the amount and ask for payment within 7–14 days.
- 3Formal demand letter ProFirmer tone. Lists total including 8% statutory interest. Warns of court action.
- 4Letter Before Action (LBA) ProLegal requirement before court. Must give 30 days. Send by Recorded Delivery.
- 5File a money claimFile at moneyclaim.gov.uk. Up to £10,000 = small claims. Fee from £35. A CCJ damages their credit for 6 years.
More information: gov.uk/make-court-claim-for-money · Citizens Advice
Statutory Interest Calculator
You can claim 8% per year simple interest on any unpaid debt from the date payment was due.