Sadly, sometimes, we find a customer who decides that they are not going to pay us the money we are owed. Obviously, we find this pretty upsetting, after all, we work on a No Win No Fee basis so without honest customers paying what they owe, we would not survive. We are a tiny family-owned and managed company and we do not earn very much money.
We do take non-payment extremely seriously. We are not like lenders who accept bad debt and do not chase it, we just can't afford to let non-payers off the hook. We need every pound to survive and therefore we chase non-payers for our money. We treat customers extremely fairly and are probably the best value Claims Management Company in the UK.
So, what do we do with someone who either ignores us, refuses to send a Final Decision letter or will not pay us? The first step is to try and communicate and find out of the customer is a "Won't Pay" rather than a "Can't Pay". We are fair with every customer and if they can't pay us we sort out a solution.
We make sure that we follow all legal guidelines and rules. We will send out forms and letters following the Pre Court Protocol rules set by the Ministry of Justice. If the customer does not respond and does not tell us what the issue is, after 30 days we will commence legal action in the County Court. Once we have won in the County Court, if we are still not paid, we will seek Judgement from the Court and following the Judgement we appoint High Court Bailiff's to recover the debt for us.
We do not ever want to have to take legal action as it does not help anyone. We only end up with what we were owed and the customer ends up paying a lot more than they needed to.
If you "can't pay us" email us and talk to us.
If you think you will be a "Won't Pay Us" please cancel our services and make the claim directly with the lender.
This is a real example:
We won a customer called Andrew £2,480.26 from Wage Day Advance. Andrew decided to not pay us. Our fees were £620 plus vat, so £744.08. We took Andrew to the County Court and this added £60 to the amount he owed us (that is the amount we were charged by the Court), we then took him to the High Court, via the Bailiffs, and this added £66 to what he owed us. By the time the Bailiffs collected all the money, he ended up paying out £1,243.61!
He wasted £499.53.
We did not add any other costs or interest. we only wanted what he owed from the successful claim.