Debt Recovery 


Withheld payments can be a real problem, starving many small and medium sized businesses of vital cashflow that is the lifeblood of their business.
 
With many debt collection services, day-to-day recovery is handled by junior or unqualified staff. All too often, that means that mistakes are made, which will cost you valuable time and money.
 
We recognise the importance of effective debt recovery to our clients. We offer a fixed-fee debt recovery service, and our highly skilled and experienced team works with organisations large and small, using a debt collection system that makes the process swift and efficient.
 

Collection of undisputed debts

 
Where debts are disputed and legal proceedings are fought, the cost and risk can be substantial. We will provide you with the best information possible about costs in such cases.
 
With undisputed claims, the debt collection process will usually commence with a letter of claim, as required by the relevant court protocol.
 
We make a nominal charge of £7.50 plus VAT for sending a letter of claim and reporting to you with payment of the debt, where it is paid.
 
If court proceedings are required to recover a debt of under £100,000, we will charge you with the same amount as under the court rules can be recovered from the debtor (in an undisputed case) by way of ‘fixed costs’, plus £15, plus VAT on the whole amount. Thus, if the court proceedings result in payment by the debtor without the need for further action, the net cost to you will be £15 plus vat chargeable on the total fee.
 
A court fee is payable at the commencement of court proceedings in the County Court. You will be responsible to reimburse this, and if the sum is large we may ask you to remit it to us in advance of starting the proceedings. The amount of the court fee depends on the amount that you claim. Currently the fee to commence a claim of not more than £1,000 is £70.
 
Further details about court fees can be found on www.gov.uk/court-fees-what-they-are.
 
If a debtor does not respond to the proceedings then you will obtain a judgment which can be enforced. We will charge at an hourly rate for work done in relation to enforcement action. In addition further court fees may be payable.
 
The overall cost of a debt recovery case where the debtor does not pay the debt (even when judgment has been obtained) depends on the amount of work done to  to enforce the judgment. There are various different enforcement processes that may be effective. We will advise you about the procedures and the related costs for these elements as appropriate.
 
Our debt recovery lawyers include Claire Gibb (hourly rate £195 + vat), who qualified as a solicitor in 2013 and has undertaken civil court work including debt recovery ever since, and Jeremy Pickworth (hourly rate £250 + vat), a solicitor-advocate, who qualified in 1981.
 
The earlier a debt is passed to us, the earlier we can collect it on your behalf, which means it will be working for you, not your creditors.
 
For more information, or to discuss an unpaid debt, please contact Jeremy Pickworth on 01937 547 001 or email
jeremy@hartlaw.co.uk

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