One pack covers all debt types. Unpaid invoices, rent arrears, loans, services, goods — get a professional Letter Before Action for just £99.
Debt recovery is the process of pursuing money that is legally owed to you — whether from a client, tenant, customer, or individual. In the UK, it applies whenever a payment obligation has not been met.
This includes unpaid invoices for work or goods, overdue rent, personal loans that have not been repaid, and services rendered without payment. If money is owed and not paid, debt recovery gives you a structured, formal route to claim it back.
The first — and often most effective — step is a Letter Before Action. This formal written demand puts the debtor on notice that legal proceedings will follow if they do not pay. In many cases, it resolves the debt without court.
Unpaid Invoices
Unpaid Rent
Unpaid Services
Personal Loans
Goods Supplied
Broken Agreements
Whether you are a freelancer, business owner, landlord, or individual — if money is owed to you, the Debt Recovery Pack covers your situation.
You completed work or delivered a service and sent an invoice. The client has not paid — despite reminders. This is one of the most common debt recovery situations in the UK.
You delivered the work as agreed — design, building, consulting — and the other party is refusing or ignoring payment.
A tenant has vacated or remains in your property without paying rent owed. You need a formal recovery route.
You lent money to a friend, family member, or colleague with an agreement to repay. The repayments have stopped or never started.
You supplied physical goods — materials, products, stock — and the buyer has not paid despite receiving them.
If someone owes you money and isn't paying, Claim Builder can help — regardless of the exact situation.
The process is straightforward when you know the steps. Here is how how to recover money owed in England and Wales.
Be clear on what was agreed, what was delivered, and how much is owed. Note any partial payments already made.
Collect all supporting material — invoices, messages, emails, signed agreements, or records of work delivered. Even informal evidence such as texts and WhatsApp messages counts.
Issue a formal, written demand. This is the most critical step in how to recover an unpaid invoice UK. The letter states the amount owed, references the agreement, and sets a 14-day payment deadline.
Give the debtor a reasonable time to respond. Many cases are resolved at this stage — the formal letter alone is often enough to prompt payment.
If payment is still not made, you can issue a claim through the UK small claims court (Money Claims Online) for amounts up to £10,000. No solicitor required.
Most people who are owed money never recover it — not because they don't have a case, but because they go about it the wrong way.
Chasing via WhatsApp or text rarely works. Debtors dismiss informal messages because there are no consequences attached.
Without a clear, formal process, debtors keep delaying. A structured Letter Before Action changes the dynamic entirely.
The longer you wait, the harder recovery becomes. Acting quickly and consistently signals seriousness.
Debtors need to understand that court action is a real and imminent option. A properly drafted LBA communicates exactly that.
A professionally prepared Letter Before Action, delivered with the right structure, applies real pressure — and gets results.
A personalised, professional recovery pack built around your specific case. Not a template. Not generic. Ready to use.
Personalised Case Summary
Your claimant details, debtor information, debt type, amount owed, and full situation summary — all in one professional document.
Letter Before Action
A formal, firm, legally structured demand letter referencing your agreement, the amount owed, and setting a 14-day payment deadline with a warning of court proceedings.
Case Strength Assessment
A clear, scored breakdown of your case based on agreement, evidence, amount clarity, and work completion status.
Step-by-Step Recovery Guide
Exactly what to do after sending the letter — from follow-up to small claims court filing, explained simply.
Evidence Checklist
A tailored list of the exact evidence you should gather and preserve to support your claim.
Debt Recovery Pack
One-off payment — no subscription
No payment until you see your case strength
Many people assume that without a formal contract, they have no case. That is not true. In England and Wales, verbal agreements are legally valid. You do not need a signed document to recover money owed.
Text messages and WhatsApp conversations are valid evidence of an agreement and the terms discussed.
Emails confirming work, scope, or payment expectations are recognised as documentary evidence.
Work completed and accepted by the other party is itself evidence that an agreement existed.
Partial payments made — even once — confirm that a debt was acknowledged.
Start your free case assessment. See your case strength in minutes. Get your professional Debt Recovery Pack for £99 — ready to use immediately.
Ready to send. No legal experience needed.
Answers to the most common questions we receive about recovering unpaid money.
Related guides:
Legal disclaimer: This service provides general guidance and document preparation tools only. It does not constitute legal advice and does not create a solicitor-client relationship. For legal advice specific to your situation, please consult a qualified solicitor or legal professional. Claim Builder is not a law firm.
Debt Recovery Pack — Professional, personalised, ready to send
We use cookies
We use essential cookies to make this site work. With your consent, we may also use analytics and marketing cookies to improve your experience and understand how people use our service. Read our Privacy Policy
Essential Cookies
Always ActiveRequired for the site to function. Includes authentication, payment processing (Stripe), and saving your progress. Cannot be disabled.
Analytics Cookies
Help us understand how visitors use our site so we can improve it. Data is anonymised and never sold to third parties.
Marketing Cookies
Used to show you relevant content and measure the effectiveness of our communications. You can opt out at any time.