• Letter Before Action or
    Late Payment Demand

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Letter Before Action (only £25.00 + 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 what they owe you, but if the debt is still outstanding, 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 solicitors letter before action, we only need the name and address of the debtor along with the amount that is owed to you.

Late Payment Demand (from £25.00 + VAT)

An alternative to the letter before action is a late payment demand. This allows you to claim interest, compensation and your reasonable debt collection costs under the Late Payment of Commercial Debts (Interest) Act 1998. You can do this 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 the 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

Once you open an account with us, you will have access to our free-to-use secure website. From here, 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.

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 fill out our contact form.

Thomas Higgins Limited

Registered Office
Lloyds Chambers
19-21 Seaview Road
Wallasey
CH45 4TH
0151 452 0452









“All aspects of your service standards exceed expectations.”
- The Law Society's Assessment Team

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regulated by:

The Solicitors Regulation Authority SRA number: 630440
For solicitors handbook please visit:
http://www.sra.org.uk