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Debt Recovery

Letter Before Action (LBA)

Resolve outstanding debts before legal action begins

A Letter Before Action (LBA) is a formal notice sent to debtors, alerting them of their outstanding debts and offering a final opportunity to settle before legal action is taken. This method is highly effective in encouraging payment without the need for court proceedings, as debtors often take such warnings seriously. Our LBA service provides a cost-effective and compliant way to recover unpaid debts, potentially saving time and legal costs by resolving the matter before formal litigation becomes necessary.

An LBA serves as a formal notice to former tenants or guarantors with outstanding arrears, giving them a crucial 28-day window to resolve the issue before legal proceedings are initiated. This notice often garners more attention due to the involvement of an external party and the potential for legal consequences. If the arrears remain unpaid after this period, legal action may be pursued, potentially resulting in a County Court Judgment (CCJ). We ensure prompt delivery of this notice via first-class post and email, where available, ensuring swift communication and a greater likelihood of resolution.

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Letter Before Action

£158.29

Don’t wait for unpaid debts to escalate. Contact us today to initiate our Letter Before Action service and take the first step towards recovering your outstanding debts quickly and without the need for costly legal proceedings.

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What is the Letter Before Action service?

The Letter Before Action serves as a final notice to debtors, tenants, or guarantors who have failed to clear outstanding debts. It gives them 28 days to settle the debt, providing an opportunity to avoid legal proceedings. If the debt remains unpaid after this period, formal legal action, such as seeking a County Court Judgment (CCJ), can be pursued. Our service ensures that the LBA is prepared, delivered, and followed up, giving you the best chance of recovering your money without going to court.

How it works

  1. Debtor Review: We begin by gathering all necessary information about the debtor, including contact details, the nature of the debt, and the amount owed.
  2. Drafting the LBA: Our legal team prepares a clear, legally compliant Letter Before Action. This letter outlines the outstanding debt, the consequences of non-payment, and provides a 28-day window to resolve the issue.
  3. Delivery of the LBA: The LBA is sent via first-class post and email (if available), ensuring the debtor is fully informed of their obligation to pay and the potential legal consequences of failing to do so.
  4. Payment Window: The debtor is given 28 days to settle the debt. During this time, we can facilitate negotiations or payment arrangements to help resolve the matter before escalating to legal action.
  5. Legal Action if Necessary: If the debtor does not respond or pay within the 28-day timeframe, we can assist you in initiating legal proceedings, such as applying for a County Court Judgment (CCJ) to enforce payment.

Why choose us?

  • Effective Pre-Litigation Tool: An LBA is often taken seriously by debtors, prompting immediate action and helping you recover debts without the need for costly legal action.
  • Legally Compliant: Our legal team ensures that every LBA meets all legal requirements, minimizing the risk of disputes and delays.
  • Swift Action: We prioritize quick drafting and delivery, ensuring your debtor is notified promptly and is fully aware of their obligation to settle the debt.
  • Comprehensive Service: From drafting the letter to advising on next steps, our team supports you throughout the debt recovery process.
  • Cost-Effective: The LBA service is a low-cost alternative to taking legal action, offering a practical way to recover debts before escalating to court.

Tips and Guides

FAQs

The debtor has 28 days to settle the debt after receiving the LBA. If no payment is made within this time, you may proceed with legal action.

If the debtor fails to respond or pay within the 28-day period, we can assist you in pursuing a County Court Judgment (CCJ) to recover the debt through legal means.

The LBA is sent via first-class post and email (if available) to ensure prompt and documented delivery, giving the debtor no reason to claim they were unaware of the debt.

Our LBA service fees are transparent and competitive, ensuring you save money compared to the expense of going straight to legal action. The exact cost depends on the complexity of the case.

Customer Testimonial

At Helpland, we are dedicated to providing exceptional service and ensuring your peace of mind. As a small business, we understand the significant impact of customer reviews. To help you feel confident in choosing us as your service provider, we have shared some of the feedback from our satisfied customers.

We assessed our legal providers a year ago and discovered Helpland for section 8 and 21 notices. We've partnered with them ever since and wholeheartedly endorse their services.

Matthew Finch
Operations Director - Foxtons
Matthew Finch