Individual debtors
We provide comprehensive advice and assistance on recovering debt from individual debtors. We advise on the various options open to being paid monies owed. We can assist from any stage pre-issue of proceedings, and during the stages of debt litigation through to enforcement action.
Contact Us Today
Call: +44 1904 217184
Email: enquiries@pw-la.co.uk
Third Party Debt Orders
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A Third Party Debt Order is used by creditors who know the debtor’s bank account details.
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The major benefit of using a Third Party Debt Order to enforce your debt is that the debtor will not know when you make the application for the Order. They will not be notified until after you have served the Third party (i.e the bank) with the Court Order. By the time the debtor is made aware of your application and Court Order, their bank account or funds held by a third party have already been frozen either in full or part.
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Timing is crucial with Third Party Debt Orders as funds are frozen on the day of receipt of the Order by the Third Party. If there are no funds available on that day, the application for the Third Party Debt Order will fail.
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We always advise our clients on due diligence to ensure they obtain bank details from any clients or customers on commencement of their contractual relationship.
Information Orders
An Information Order is a Court Order that requires the debtor to attend Court for questioning. It does not require the debtor to make payment. It is useful to use this method to find out about the debtor’s assets.
Attachment to Earnings
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If your debtor is an individual who is employed and you have the name and address of his/her employer, an Attachment of Earnings Order can be made.
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A proportion of the debtor’s salary is deducted by their employer each month or week to satisfy the Judgment debt.
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An Attachment of Earnings Order cannot be made against a debtor who is self-employed, unemployed or against a pension income.
Charging Order
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A CCJ can be secured against any property your debtor owns, whether as a sole or joint owner, by way of a Charging Order which is then registered with the Land Registry.
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If the debtor jointly owns the property, the charge will then be on their share of the property and not on the property itself. This is much less secure and is often known as a restriction.
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Unfortunately, a Charging Order or restriction does not guarantee swift settlement of your debt. Payment is usually only received if your debtor re-mortgages or the property is sold. There are circumstances where an Order for Sale can be forced by you.
Our Fees
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Case & Document Review - £175+VAT |
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Drafting Claim and issuing possession proceedings County Court - Section 21 Notice - £175+VAT |
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Drafting Claim and issuing possession proceedings in County Court - Section 8 Notice -£250+VAT |
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Preparation Review Hearing (including document bundle) & Representation - £350+VAT |
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Court Fee to Issue Proceedings(subject to change) County Court - £415 |
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Advocacy fee in addition if required for final hearing - £400-£950+VAT |
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Warrant of Possession (drafting plus Court fee (£152-subject to change) |
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Transferring up proceedings to High Court for writ of possession and control (Optional for Judgments over £600, must be used for judgment over £25000) Writ of Possession(includes High Court Enforcement agency instruction) - £250+VAT |
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Why Choose PW-LA?
WHY SHOULD YOU INSTRUCT PW-LA REPRESENT YOU?
EXPERT alternative dispute resolution
With specialist expertise in dispute resolution, PW-LA delivers comprehensive litigation and advocacy services focussing on tailored fixed fees to meet clients’ specific budgets and desired outcomes.
CLient centred approach
Clients are priority receiving equal attention to your unique experiences, perspectives and circumstances; listening to your concerns with empathy and understanding, and acting in your best interests is the service you can expect. Taking care to ensure your budget aligns with your expectations and achieving that best desired outcome. You will receive clear, practical advice and representation, guiding you through the legal process with transparency, at all times mindful of legal costs to pursue or defend a case.
embracing advanced technology
PW-LA embraces the latest technology and tailored specialist legal AI software, passing on the benefits of reduced preparation times, and adding savings on costs. Providing you with convenient and efficient litigation and advocacy services. From virtual consultations to flexible communication options, including WhatsApp and Zoom, we ensure that you can access our services anytime, anywhere.
Get in touch today
Get in touch with PW-LA today for an initial free, no obligation consultation.
Our registered office is at Tower House Business Centre, Fishergate, York, YO10 4UA, United Kingdom.
