Fixed Fee debt recovery

Private individuals are just as likely to also be owed money by friends, family and businesses. We can offer fixed-fee legal solutions to help recover money owed to you.

Some of the common types of private debts that are often owed to individuals include:

Loan to a business, employer or start-up

Personal loan to a family member, friend or former partner

Wages not paid by an employer

Proceeds from the sale of private goods (car, equipment etc.)

Rent owed by a lodger that has moved out

Deposit not returned

A refund that was agreed but not paid


Our fixed fee personal debt collection services.

How to recover a debt from an individual?

​In the majority of cases, a debt recovery letter from us can be sufficient action to recover the monies owed, and we offer a straightforward service to draft and send this letter. Should a debt recovery letter not result in repayment, you can then optionally move to issue court proceedings.


Unlike instructing a debt collection agency for individuals, our debt recovery solutions are competitively fixed price to cater for most budgets and circumstances with no deductions taken from the amount owed. We can take the hassle out of the legal formalities involved in sending a letter before action to an individual, corresponding with your debtor and issuing legal proceedings to recover the debt.


The below fixed-fee services are appropriate for most undisputed debts under £25,000 where both parties reside, and the debt was incurred, in England or Wales. If the amount you need to recover is over £25,000 or you are based outside the UK we may still be able to assist for an additional fee, so please get in touch with your requirements.

For a fixed fee of £50 we will:

Consider your evidence of the debt and legal basis of your claim

Draft a letter for your approval with details of the debt and amount owed

Send the Letter Before Action to the debtor's home address providing 7 or 14 days to make payment directly to you

Liaise with the debtor on any repayment proposal

Should payment not be made, advise on potential legal options and the costs involved to take your matter to court


Issue Court Proceedings

If following a Letter Before Action the debt has not been paid, we will start formal legal proceedings on your behalf

For a fixed fee of £150* we will:

Calculate the total court issue fee and interest entitlement involved with issuing your claim

Draft a County Court claim form and particulars of claim against your debtor

Issue the claim against your debtor

If the debtor then fails to settle the debt or respond to the court within 14 days, we will request that judgment is entered against them

Inform the debtor of the court judgment, the potential implications on their credit record and demand immediate payment of the debt or face enforcement action

Advise on your debt enforcement options

* plus court issue fee (between £25-£1,125) dependent on the amount being claimed, which will be added and recovered as part of your debt