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Debt Recovery

Debt Recovery

Debt Recovery

Having unpaid invoices can cripple any business. That is why our clients trust us to chase their debt with minimum disruption to their business.

We will ensure your left to run your business whilse we discretely collect your debts. With access to a wide range of data we can track and chase your bad debts and force them to pay. We received instructions from, not only our corporate customers but also from accountants and other professionals.

Choose from either our Individual Debt Collection Service, charged on a commission basis or, if you have a number of debts you may prefer to choose our cost effective Volume Debt Collection Service which covers debts up to litigation.

For a free Debt Recovery Solicitors in UK please contact us providing as much information as possible. Dependant on the information supplied we can start contacting your debtor today and begin recovery of your debt.

 

Areas Covered:

  • Book debt/ledger collection
  • Civil recovery proceedings
  • Defended actions
  • Judgment and enforcement action
  • Letter before action

Timescales

It is difficult to provide a timescale for debt recovery matters but these can be between 3 months and 2 years depending on the case itself as well as conduct of the other party. If the other party coo operates we can settle sooner. In some instances we may have to issue proceedings in court and the matter could take up to 2 years.

At Platinum Partnership Solicitors we break the journey from overdue invoice to money-in-the-bank into three disciplined stages: Pre-Legal, Legal and Enforcement. Each stage is designed to move the matter forward swiftly while protecting your reputation and your cash flow.

1. Pre-Legal Stage

Pre-legal activity covers every step that can be taken before court proceedings are issued: courteous reminder e-mails, SMS prompts, measured telephone calls and, when required, a formal written demand.

Our minimum formal step – the Letter Before Action (LBA)

Under the Pre-Action Protocol for Debt Claims an LBA (often called a Letter of Claim) must be served before litigation can begin. We will draft and dispatch this letter on the very day the debt falls due if commercial urgency demands it; equally, we can build a short cycle of reminders and calls where preserving a trading relationship is paramount.

Two bespoke pre-action options

 
Service
Purpose
When we recommend it
Platinum Courtesy Notice
A concise, relationship-focused reminder confirming our instruction and inviting prompt payment
Where a valued client has simply slipped past terms and goodwill can still rescue the situation
Platinum Letter Before Action
A firm, fully compliant LBA that sets out the debt, interest, costs and the deadline for payment, warning of proceedings if ignored.
When earlier contact has been ignored or you wish to move immediately to the formal lane

Pre-Legal Stage Fees

If all you need is a formal pre-action letter, our fee (plus 20% VAT) is usually £20 – £95 per letter, depending on volume. More than nine out of ten of our debt matters conclude at this first stage, saving clients both time and court fees.

2. Legal Stage

If the debtor remains silent or contests liability, we issue a County Court claim without delay. Our case-management platform links directly to Money Claims Online (MCOL), enabling instant filing and real-time progress updates. Claims over £100,000 are issued through the County Court Money Claims Centre to safeguard jurisdiction and speed.

  • Undisputed claims – if no response or payment is received, we request Judgment in default.
  • Partially or fully disputed claims – the matter is allocated to the Small-, Fast- or Multi-Track and we steer you through disclosure, evidence and, where advantageous, negotiation.

A County Court Judgment (CCJ) is the key that unlocks the enforcement toolbox.

Legal Stage Fees

 
Claim value
Court issue fee (inc. VAT)
Fixed solicitor costs (claimable)Total (claimable)
£0 – £300
£25
£50
£75
£300.01 – £500
£35
£50
£85
£500.01 – £1,000
£60
£70
£130
£1,000.01 – £1,500
£70
£80
£150
£1,500.01 – £3,000
£105
£80
£185
£3,000.01 – £5,000
£185
£80
£265
£5,000.01 – £10,000
£410
£100
£515
£10,000.01 – £100,0005 % of claim£100
£650*

* The £650 figure is the maximum recoverable fixed cost.

 

Obtaining Judgment (England & Wales)

 
Claim Value
Default judgment (no defence)
Judgment on admission – acceptance
Judgment on admission – rejection
£25 – £5,000
£22
£40
£55
£5,000.01 +
£30
£55
£70

(Figures exclude 20% VAT.)

3. Enforcement Stage

When judgment is secured and the debtor still withholds payment, we deploy the enforcement method most likely to deliver cash, not just paper victories.

 
OptionSuitable forKey features
High Court Enforcement Officer (HCEO)
Judgments £600 +
Rapid attendance, seizure or payment plans; powerful commercial leverage.
County Court Bailiff
Judgments up to £5,000
Attendance with authority to remove goods or agree instalments.
Attachment of Earnings Order
Individual debtors in salaried employment
Employer deducts instalments at court-set rate.
Third-Party Debt Order
Funds held by banks or other parties
Freezes and redirects money straight to you.
Charging Order
Debtor property (individual or company)
Secures debt against real estate; can lead to order for sale.
Order to Attend for Questioning
Any debtor avoiding engagement
Compels appearance before a judge to disclose assets and income, often prompting immediate settlement.

Enforcement Stage Fees

 
Application
Court fee
Our fee (plus 20% VAT)
Combined total*
Order to obtain information
£50
£100
£150
Attachment of earnings
£100
£100
£200
Charging order£253£175£428
Third-party debt order£100£175£275

* Totals shown exclude 20% VAT on our fee.

Warrants / Writs via Bailiffs or High Court Enforcement Officers (HCEO)
 
Claim Value
Enforcement route
Court fee
Fixed solicitor costs (claimable)
Total (claimable)
Our admin fee*
£100 – £599.99
County Court Bailiff
£77
£2.25
£79.25
£50 + 20% VAT
£600+
HCEO
£66
£51.75
£117.75
£50 + 20%  VAT

* Our administration fee is not recoverable from the debtor.

Defended Claims

If a debtor files a defence, litigation becomes more complex. In that situation we move to an agreed hourly rate – typically £100 – £180 + 20% VAT per hour – and we will discuss and approve the budget with you before proceeding.

Limitation Act 1980

Where you are owed money you must take action for recovery as soon as possible. The time limit is sometimes called the limitation period. For most debts, the time limit is 6 years since you last wrote to them or raised an invoice. After the six year period, you are no longer allowed in law to chase the debt.

Number Of Customers

Over 150 Years Combined legal Experience

Over 10,000 clients served

Get In Touch With Us

Please fill in the following form to send us an enquiry by email

Call us for consultation

01274 718620

Telephone:

0870 4450505

Fax:

A list of directors is available on request.

Platinum Partnership Solicitors is the trading name of Grantham Law Limited company number 11148123 registered in England and Wales. Registered office Platinum House, 3 Eldon Place Bradford West Yorkshire BD1 3AZ.

Authorised and regulated by the Solicitors Regulation Authority (SRA No: 647492). Vat no 853 1567 20

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Phone

01274 718620
Fax
0870 4450505

Location

Platinum House
3 Eldon Place
Bradford
West Yorkshire
BD1 3AZ

Email

hello@ppsolicitors.com

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