Welcome to Helpland's Debt Recovery Services
We're experts in helping you tackle debt challenges effectively. Our approach is tailored to each unique situation, ensuring you get the best possible outcome. With over 20 years of experience, our team is skilled in all aspects of debt recovery, including handling rent arrears and enforcement action.
We're here to guide you through the process, offering solutions that work for you. To learn more about how we can help, simply click through the sections on our navigation bar.
A Debt Trace allows us to track down and recover monies owed. It can be initiated when your tenants owe you money, and you don’t have their NEW address. The correct steps must be followed to ensure you find debtors quickly and guarantee they won’t escape detection.
Once you have agreed to our Debtor Tracing service, we will instruct our agents and provide them with any relevant information about the people or person you want to find. Our Debtor Tracing service takes between two to four weeks to complete and once we have ascertained the debtor’s whereabouts, we will provide you with their new address and work details, where applicable. You are then free to take them to court and commence legal proceedings to reclaim outstanding monies as well as the tracing fees.
You will be charged £169.00 for the service if we successfully locate a current and verified residential address and will be refunded £100.00 if negative.
Our tracing agents not only provide a rapid, efficient and compliant service – they also have a 98% success rate.
To find individuals in the UK, we charge just £169 per search, but if we cannot find the person, then there is a small charge of £50.00.
To find individuals in EUROPE, we charge just £210.00 per search, but if we cannot find the person, there is a small admin fee of £70.00.
We also offer an employment trace service, and we charge just £175.00 per search, but if we cannot find the person, there is a small admin fee of £25.00.
A Letter Before Action serves as a formal notice to former tenants or guarantors with outstanding arrears, presenting them with a crucial opportunity to resolve the issue before legal proceedings are initiated. This approach is often perceived with greater seriousness, as it involves potential intervention from an external party.
This notice grants the tenants or guarantors a period of 28 days to settle any unpaid arrears. Failure to comply within this timeframe may result in the commencement of legal proceedings, leading to the pursuit of a County Court Judgment (CCJ) against them.
We ensure the prompt delivery of this notice via first-class post and email, subject to the availability of both contact details. The cost of issuing this notice is as outlined below.
£189.95 (inc. VAT)
A money claim is an essential mechanism for initiating a County Court claim for a definitive sum that is due to you. This streamlined procedure aids in securing a monetary judgment against the debt and ensures the registration of a County Court Judgment (CCJ) against the debtor for a duration of six years.
It's pertinent to note that the claim should not exceed the value of £100,000. Should your claim surpass this limit, a manual submission to the court is necessary.
Upon entrusting us with your case, our diligent team swiftly forwards your details to our panel of seasoned solicitors. They will promptly proceed with the online filing of the money claim. The court, in turn, aims to process the claim within a 14-20 working day timeframe. Subsequently, the debtor will be notified and allotted a 14-day period to respond or present a defence.
In the absence of a defence from the debtor within this time frame, our legal team will pursue the award of a judgment in your favour, leading to the acquisition of an order. If the claim encounters a dispute, the court will designate a hearing date to consider further evidence and issue any necessary directions.
Please be aware that our fee is exclusive of the court fee. The total cost is contingent upon the amount of the debt, which is detailed in the following table of costs:
| Claim Amount | Claim Fee |
| Up to £300 | £35 |
| £300.01 to £500 | £50 |
| £500.01 to £1000 | £70 |
| £1000.01 to £1,500 | £80 |
| £1500.01 to £3000 | £115 |
| £3000.01 to £5000 | £205 |
| £5000.01 to £10,000 | £205 |
| £10,000.01 to £200,000 | 5% of the claim |
| More than £200,000 | £10,000 |
In summary, our service provides a structured, legal approach to reclaiming your dues. We are committed to supporting you with expertise and efficiency, ensuring a seamless and effective resolution to your financial recovery needs.
Book a meeting to discuss Money ClaimsAs featured on "Can't Pay? We'll Take It Away!"
At Helpland, we're equipped to transform your County Court Judgement (CCJ) of over £600 from the last six years into a High Court Writ of Control for enforcement purposes.
Cost Implications?
Initial Fee: For just £499.00, we handle the acquisition of the Writ of Control and the Compliance Abortive Fee. These charges are fully refundable should the enforcement prove successful. Debtor Pays Upon Success: Should enforcement be successful, we'll recover the entire judgement debt, accrue interest at an annual rate of 8%, and reclaim *£111.75p towards costs incurred in issuing the writ. In Case of Unsuccessful Enforcement: If the enforcement does not result in recovery, or if the debtor’s assets are insufficient, remember that you have a year to action your writ and six years on a judgement. This gives us ample opportunity to attempt enforcement in a subsequent year.
High Court Enforcement Agents (HCEA): A Closer Look HCEAs are debt collectors whose earnings are contingent on successful collections from the judgement debtor. Unlike salaried County Court Bailiffs, HCEAs typically exhibit higher collection rates due to this incentivised structure. An HCEA typically conducts a minimum of three visits, providing reports after each visit rather than at the conclusion of the process. These reports detail the success of each attempt.
For more information, please contact us at Helpland. We're here to assist with any queries and guide you through the process with our expertise.
Book a meeting to discuss High Court Enforcement Agents
Upon securing a judgment, a Charging Order may be pursued. This order acts as a safeguard, anchoring the debt against the debtor's residential or other property holdings. This escalation underscores the gravity of the debt, highlighting the potential risk of property loss should the debtor fail to settle their dues. Following the issuance of a Charging Order, the next step involves seeking the court's permission for an Order for Sale. This order is a decisive measure, compelling the sale of the debtor's property to resolve the outstanding debt.
A Third-Party Debt Order serves as an effective legal instrument to enforce a County Court Judgement. This method enables you to request the freezing of funds in the tenant's bank account, thereby facilitating the repayment of the total arrears owed.
For the successful execution of this process, it is imperative to have precise knowledge of the timings of fund deposits into the tenant's account. It's crucial to note that any monies deposited after the account has been frozen will not be included in the frozen sum.
Upon your instruction, we will meticulously prepare all requisite documentation and engage our legal team to proceed with the court application. Subsequently, the court will issue an interim order and schedule a hearing.
Following this, the order will be served to the tenant's bank. The bank is then obliged to reveal the available balance and confirm that the funds have been successfully frozen. At the scheduled hearing, a final order will be secured and served to the bank, leading to the release and transfer of funds to you, offsetting the total amount due.
An Attachment of Earnings Order is a legal directive requiring the tenant’s employer to deduct a certain portion of their salary to settle the outstanding debt.
The percentage deducted from the tenant's earnings typically ranges from 12-17%, dependent on their income.
Before requesting an Attachment of Earnings Order, it’s imperative to have a prior monetary judgment or a County Court Judgment (CCJ) against the tenant.
Accuracy in your tenant's employment details is crucial. Inaccurate information may lead to the rejection of your order, incurring fees without resolving the debt.
The court calculates the tenant’s minimum essential living expenses, known as the protected earnings rate. Any earnings above this rate are subject to deductions for debt repayment, hence, the monthly repayment amount may vary.
An Attachment of Earnings Order is not viable if:
The owed amount is £50 or less. The tenant's net earnings consistently fall below the protected earnings rate.
Upon engagement, our team will manage the necessary documentation and coordinate with our solicitors to submit an application to the court.
The court will then contact the tenant, requiring them to:
Settle the full amount immediately. Provide a statement of means.
Non-compliance leads to the involvement of an enforcement agent, who will order the tenant to complete the statement. Persistent non-compliance can escalate to the tenant’s arrest for court appearance.
After reviewing the statement of means, the court determines a suitable repayment amount based on the protected earnings rate.
Subsequently, an order is issued to the tenant’s employer, specifying the deduction amount and schedule. A copy of this order will be sent to you. Payments collected by the Court will be forwarded to you in due course.
A statutory demand represents a formal written notice issued by a creditor — an individual or entity owed money — demanding payment of an outstanding debt. Upon receipt of this demand, the debtor, either a person or a business, is allotted a 21-day period to either satisfy the debt or petition the court to dismiss the demand. Should the debt, exceeding £750, remain unpaid, unsecured (lacking an agreement for payment), or not set aside after this 21-day timeframe, the creditor is entitled to submit a petition to the court for either a bankruptcy order or a winding-up order against the debtor.
If you're facing challenges with unpaid debts or require assistance in issuing a statutory demand, don't hesitate to contact us. Our team at Helpland offers expert advice and tailored solutions for your financial concerns. Let us help you navigate these complex processes with ease and professionalism. Reach out to Helpland today to safeguard your financial interests.
A Bankruptcy Petition is a formal request for a Court to issue a Bankruptcy Order against a debtor, based on their inability to settle outstanding debts.
The court deems a debtor unable to pay under the following circumstances: A creditor, to whom more than £5,000 is owed, issues a Statutory Demand for debt repayment. If this debt remains unpaid or is not secured (for instance, through a Charging Order), it meets the criteria. If a resolution is not reached within 21 days, or if the debtor fails to request the Statutory Demand to be set aside, it further substantiates the case.
Upon granting a Bankruptcy Order, the debtor's assets are utilised to offset the debt. However, this approach bears a significant risk if the debtor lacks assets, potentially leading to the debt being written off.
Our expertise lies in providing comprehensive guidance and assistance in submitting a Bankruptcy Petition to the court, aimed at facilitating your debt recovery process.