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A Guide to Chasing Debts in the UK: Steps to Ensure Payment




Dealing with unpaid debts can be a challenging task, but understanding the proper procedures and legal options available can help streamline the debt recovery process. In the United Kingdom, there are several steps that individuals and businesses can take to chase debts effectively. This article aims to provide a comprehensive guide on how to chase a debt in the UK, ensuring you have the necessary knowledge and tools to recover what you are owed.


The first step in chasing a debt is to establish open lines of communication with the debtor. Start by sending a letter or email requesting payment, clearly outlining the outstanding debt, the due date, and any applicable interest or late payment fees. It's crucial to maintain a professional and respectful tone throughout your communication, as this can help foster a cooperative approach and increase the chances of resolving the matter amicably.

Follow-up Reminders:

If you do not receive a response to your initial communication, it is essential to follow up with reminders. Send regular reminders at reasonable intervals, clearly stating the amount owed, any additional charges that have accrued, and the consequences of non-payment. By maintaining consistent communication, you demonstrate your seriousness about recovering the debt and encourage the debtor to address the issue promptly.

Mediation and Negotiation:

If the debtor fails to respond or refuses to pay, it may be beneficial to explore mediation or negotiation as a means of reaching a settlement. Mediation involves engaging a neutral third party to facilitate discussions and find a mutually agreeable solution. Negotiation, on the other hand, involves direct communication with the debtor to explore alternative payment options, such as installments or revised terms. These methods can often lead to a resolution without resorting to legal action.

Statutory Demands:

If all attempts at communication and negotiation prove futile, issuing a Statutory Demand may be the next course of action. This formal legal document demands payment within 21 days. If the debtor fails to respond or settle the debt within the given timeframe, it may be possible to initiate bankruptcy proceedings (for individuals) or wind-up proceedings (for companies) to recover the debt. Here’s a good guide on how long a debt can be chased in the UK

County Court Judgments (CCJs):

Obtaining a County Court Judgment (CCJ) is a common route to pursue outstanding debts. This involves filing a claim with the county court, providing evidence of the debt, and paying the appropriate fees. If the court rules in your favor and the debtor fails to comply with the judgment, you can take further legal action to enforce payment, such as instructing bailiffs or freezing the debtor's assets.

Enforcement Options:

If the debtor continues to neglect their payment obligations, there are several enforcement options available. These include instructing bailiffs or enforcement agents to seize goods or assets to cover the debt, obtaining a Charging Order against the debtor's property, or applying for a Third-Party Debt Order, which allows you to freeze funds held by a third party that owes money to the debtor.


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