debt recovery letter Debt Recovery Letter
From Gemini Debt Recovery

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Debt Recovery Letter Service £25.00        


Our debt recovery letter  is for the collection of debts up to £550. The service can be used for Business to Business debt rcovery or personal debts.




Debt Recovery Procedure

Once the summons is issued the debtor / defendant will have 14 days to “acknowledge service” and 28 days to make pay the summons amount or defend the claim. If they fail to do either a default County Court Judgement (CCJ) can be issued by the court. If they choose to defend the claim we will guide you through the process at no extra charge.  


Once instructed we will write a bespoke Debt recovery letter that is fully compliant with Practice Direction on Pre-Action Conduct supplementing the Civil Procedure Rules 1998. We will calculate statutory compensation & Interest per invoice (whats this?) and add it to the debt recovery total. Our demand letter states that payment in full must be made direct to you (our client / claimant) within 14 days or an agreement reached within that period. The debtor is informed that if they ignore our demand a county Court Summons will be served without further notice to them. The decision to issue a summons is yours.


Approximately 2 days after we send our first debt recovery letter we will telephone the debtor and re-enforce our demand that payment is made within the specified period. We will report back to you via phone or email and update you.

What happens when the debtor pays?

You should receive payment from your debtor directly within 14 days. We do not charge a recovery commission on our service so you owe us no additional fees.

What happens if the debtor fails to pay or disputes the debt?

We will advise you on the next course of action which is usually to issue a County Court Summons. You make the final decision on whether to proceed with legal action. We can draft a summons for you for a small additional fee of £15.00 or you can draft your own summons with the help of our online guide. In either case you will have to pay a court fee (how much will this be?)  to HMCS (Her Majesty’s Court Service). The court fee is added to the debt amount so you should get this back.



What happens when a summons is served?

FOR DEBTS between £1 - £550


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