Simper Law

Debt Recovery and Enforcement

Debt Recovery and Enforcement

Debt Recovery Solicitors

Unpaid debts can have a significant impact on both personal finances and those of a business, creating stress and uncertainty. We are expert Debt Recovery Solicitors, handling all types of Debt Recovery cases and achieving results quickly and efficiently.

What is the Debt Recovery process?

The Debt Recovery process depends on each individual situation, but generally the stages are as follows:

  1. Send a Pre-Action Letter of Claim – We will send this letter to the debtor on your behalf, informing them of the amount they owe, how and when to make payment and the consequences if payment is not made
  2. Issue Court Proceedings – If the above letter receives no response, we will issue Court proceedings against the debtor
  3. Obtain a County Court Judgement (CCJ) – this legally binding document sets out how the debt should be repaid and when by

In the majority of cases, a Debt Recovery letter from a solicitor is enough to encourage payment, and we can provide a simple, straightforward service to do this.

Please call us now on 01603 672222 for a no-obligation conversation today or Click Here To Make An Online Enquiry.

How much does the process cost?

It depends on your particular situation and we will ensure to work on a cost effective basis that makes it easier for you to instruct a solicitor to deal with this on your behalf. If you would like to find out more information about the costs involved, please give us a call.

What if a debtor just does not pay?

If a County Court Judgement (CCJ) is obtained on your behalf but the debtor still does not pay, there are a number of enforcement options, including:

  • Deducting the money from the debtor’s wages
  • Charging Order against property
  • Instructing a High Court Enforcement Officer to carry out the Debt Recovery

Should I use a Debt Recovery Solicitor or a Debt Collection Agency?

A Debt Collection Agency actually has no more legal powers than you do. They pursue the debt through a series of letters, phone calls, emails and sometimes text messages. A percentage of the debt will be deducted to cover their fees and commission.

Instructing a solicitor is often more effective because the debtor will know that non-payment will then progress to legal proceedings. A solicitor will charge you fixed fees and not deduct any commission.

If the Debt Recovery process proceeds to Court action, there may be additional (fixed) costs, but your solicitor will advise you of these in advance.

Can I charge interest or claim compensation on an unpaid debt?

The Late Payment of Commercial Debts (Interest) Act 1998 does allow you to add interest or claim compensation from businesses with late unpaid invoices. This legislation is not valid with personal debtors. This means the matter will proceed as a Civil Dispute and we can advise of the standard procedures and follow with these.

This entitles you to charge 8% interest plus Bank of England base rate on overdue B2B (business to business) debts. The amount that you can recover in compensation depends on the amount owed and the number of outstanding debts.

If you would like further advice on this, please contact us.

What if the debt is disputed?

If your debtor disputes the amount you are demanding, or believes they owe you a different amount, we will work with you both to understand the situation fully and try to negotiate an agreeable solution. This means the matter will proceed as a Civil Dispute and we can advise of the standard procedures to follow with such matters.

If you need help with Debt Recovery and Enforcement, please call us now on 01603 672222 for a no-obligation conversation today or Click Here To Make An Online Enquiry.

Testimonials

“May I take the opportunity to thank you personally for all your hard work and good advice throughout our purchase and sale. We are immensely grateful to you for all that you’ve done.”

“Many thanks for sending my Will copy both printed and as PDF document.

I am extremely satisfied with my Will writing service provided by Simper Law and very pleased with the result. Casey Robins was very helpful and efficient throughout the whole process.

She made me aware of potential issues with my existing Will and as a result the new Will is both shorter and less complicated.”

 

“I was seen very quickly after making my first contact and the service I received from Casey was prompt and professional. I appreciated the advice given and the speed with which my draft will was prepared and sent to me. Just a big thanks for a professional efficient and personal service. I would not hesitate to recommend your company to family and friends.”

“There was a very warm welcome offered. Your staff are all amazing; courteous, polite, friendly and very knowledgeable. We were grateful for the translations of the complex legal language used in Wills and Life Trusts into simple understandable phrases. It was a great service we received.”

“What I liked about your service is everyone was so friendly and welcoming, I was rather nervous about having my Will created especially with how young I am, but Victoria helped me think of everything I may have needed protecting, and gave great advice throughout, also made the whole experience from start to finish as enjoyable as possible. A huge thank you to everyone involved, I can now be reassured that the most precious thing in my life is protected if anything was to happen to me.”

“In all the years we have had to deal with solicitors we have never come across anyone so nice and genuine as Victoria. Her personality, and empathy she has is outstanding. Victoria is a credit to her profession, and finally, if Andy and I can just say, that, if there were more people like Victoria in the world it would be a much nicer place to live in!”

“Nothing could be improved with the service. Extremely satisfied.”

Mrs B Laidler.

“You couldn’t improve the service, it was faultless. I found dealing with Simper Law an absolute pleasure from the first phone call to completion of my Will. Everyone I spoke  to was helpful and friendly and Kim made the whole process easy and stress free. Many thanks and I won’t hesitate to recommend you.”

Mrs Loveday.

“Very informative and clear. The Solicitor fully understood out requirements. Everything was completed to our satisafction in a suitable timeframe. The service and the delivery of the service was exemplary. First class from all concerned. It was apparent from the first meeting that we had chosen well in approaching Simper Law. First class knowledge and customer care at all times. Very attentative, helpful and efficient.”

Mr and Mrs Hall.

“Our Wills were dealt with very quickly.  Thank you, Sally.”

Mr & Mrs F. 17-March-2022

“We saw Sally Riches for assistance in drawing up new Wills and Lasting Powers of Attorney. Our objectives were completely understood and Sally went the extra mile in providing a good service for us. Sally is friendly, knowledgeable and efficient. Thank you for all your help.”

Mr & Mrs J.

“I was delighted by the prompt response and the friendly helpful service we received. Thank you.”

Mr & Mrs Hannant.

“Sally Riches provided a brilliant service in drafting my Will from beginning to end. The staff at Simper Law are very courteous and helpful.”

Mrs C.

“Victoria provided an excellent service in securing payment of an overdue loan- Excellent service.”

Mr Balls.

“Simper Law gave my family honest and straightforward advice. In a difficult time they were professional and showed empathy. Above all else their client care was faultless.
Thank you.”

Kieran D.

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    46 King Street, Norwich NR1 1PD
    01603 672222
    enquiries@simperlaw.com