• Letter Before Action or
    Late Payment Demand

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Letter Before Action (only £10.00 + VAT)

We send a formal letter to the debtor warning of court action if payment is not received within seven days. In most cases this is enough to prompt the debtor into paying, but should the debt still be outstanding after the allotted time you can choose to instruct us to proceed with court action knowing the proper legal obligations have been met.

To instruct us to send a letter before action, we only require the name and address of the debtor along with the amount that is owed to you.

Late Payment Demand (from £10.00 + VAT)

An alternative to the letter before action is a late payment demand, which allows you to claim interest, compensation and your reasonable debt collection costs under the Late Payment of Commercial Debts (Interest) Act 1998, provided both parties were acting in the course of business.

Where an invoice is not paid or is paid late, the Act and Regulations 2002 & 2013 allow you to charge interest at the annual rate of 8% above base rate for each day your invoices are overdue. You are also entitled under the same regulations to charge compensation against your debtor if an invoice is overdue by as little as a day. The compensation you are allowed to charge depends on the unpaid debt amount.

Compensation you are entitled to charge for due to late payment:

Size of unpaid debt Compensation
£0.01 to £999.99 £40.00
£1,000 to £9,999.99 £70.00
£10,000 and over £100.00

Instruct us online or via email

Once you open an account with us, you will have access to our free-to-use secure website, where you can issue your instructions as well as access any existing cases, copies of correspondence we have received and any letters we have sent on your behalf. We can also accept instructions via email.

Bulk Instructions

To save time when issuing against a large number of debtors, we can accept bulk instructions in a variety of file formats. For more information on this facility, please call our IT department on 0151 630 8050 or fill out our contact form.

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Thomas Higgins Limited

Registered Office
Lloyds Chambers
19-21 Seaview Road
CH45 4TH

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- The Law Society's Assessment Team

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regulated by:

The Solicitors Regulation Authority SRA number: 630440
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