The UK construction industry carries more unpaid debt than almost any other sector. Long payment chains, back-to-back contracts, multi-party disputes, and withheld retentions create a perfect environment for slow payment and non-payment to flourish. For many...
When a sole trader or self-employed person owes your business money, the path to recovery is different from chasing a limited company. There is no corporate structure to hide behind: a sole trader is personally liable for every debt their business incurs. That makes...
You have won the case. The County Court Judgment is in your favour. And the debtor still has not paid. If this sounds familiar, you are far from alone. Obtaining a CCJ is only half the battle; enforcing it is where many creditors get stuck. High Court Enforcement...
A County Court Judgment is a significant milestone in commercial debt recovery. But winning in court is only half the battle. If the debtor refuses to pay voluntarily, you need to enforce it -- and that is where the right enforcement tool makes all the difference. An...
When a debtor ignores a court judgment and refuses to pay voluntarily, creditors need enforcement options with real teeth. A third party debt order is one of the most direct: it freezes money sitting in the debtor's bank account and redirects it straight to you. No...
Chasing a debt owed by a limited company feels more complicated than pursuing an individual — and in some ways, it is. The company's separate legal status, the possibility of directors hiding behind that structure, and the risk of the business going under before you...
Every commercial landlord in the UK knows the sinking feeling when a business tenant stops paying rent. The instinct is often to threaten forfeiture or issue court proceedings — and sometimes those routes are right. But there is a faster, more direct remedy that many...
Most creditors know about County Court Judgments. Far fewer use what comes next. Once you have a judgment and the debtor still has not paid, a charging order is one of the most powerful enforcement tools available to UK creditors. It turns an unsecured debt into a...
A letter before action (LBA) is the single most important document in any UK debt recovery process. It is the formal written warning you send to a debtor before you take legal action, and for most claims in England and Wales it is legally required. Getting it right...
The UK commercial debt recovery landscape has shifted considerably through 2026. Company insolvency numbers remain near post-pandemic highs, County Court Judgment volumes have risen sharply, and more business creditors are turning to formal enforcement rather than...