Who it's for
- Businesses and sole traders owed money by an individual
- Individuals owed money under a loan, invoice or agreement
- Scotland uses different rules — see the Scottish Debt Demand Letter
What's included
- About this pack — protocol scope and time limits
- Late payment compensation table for business-to-business debts
- Breathing Space check before sending
- Document 1 — Letter before action, with debt details, statement of account, how to pay, disputes, free debt advice and next steps
- Annex A — Information sheet
- Annex B — Reply form
- Annex C — Standard financial statement
Save with a bundle: get this plus 9 more documents in the Debt and Consumer Bundle for £39.99.
Buy the bundle — £39.99 →Key points covered
- 30 days for an individual debtor to respond before you issue a claim
- Check the Insolvency Service Breathing Space register first
- Late Payment of Commercial Debts (Interest) Act compensation (£40, £70 or £100) and interest apply to B2B debts only
- Signposts free debt advice (StepChange, National Debtline, Citizens Advice, MoneyHelper)
DocPilot templates are drafted from current legislation and official guidance (GOV.UK, legislation.gov.uk and the relevant regulators), checked against those sources and fully re-reviewed every six months. They are not legal advice. How we make our documents →
Read the guide
Related documents
Small Claims Court Guide£12.99 · See what's included →Late Payment Reminder Pack£11.99 · Buy →Debt Repayment Agreement£9.99 · Buy →
Questions
Do I have to send a letter before action?
Before issuing a county court claim against an individual, the Pre-Action Protocol for Debt Claims expects a letter before action with the information sheet, reply form and financial statement — all included.
How long must I wait?
30 days from the date of the letter for an individual debtor.
Can I add interest?
For business-to-business debts, statutory interest and compensation can be claimed. For consumer debts, contractual interest applies if the agreement allows it.
Is it in the Debt and Consumer Bundle?
Yes.
Debt Demand Letter Pack
£14.99 · Word + PDF · instant download
Buy — £14.99 →Bought the wrong document by genuine mistake? Our Swap or Refund Promise lets you swap it or get a refund within 14 days.