Letter Before Action

86% of debts are paid upon receipt of a Lovetts letter, with no further action being required

Prices start from as little as £1.50 plus VAT

A Letter Before Action (LBA) is a formal letter that requests the payment of a debt to your business and warns of the imminent issue of a court claim.

An LBA sets out what is owed to your business from a debtor and provides a set time period - usually 7 days - in which to pay. This is an essential requirement of the debt recovery process. Before issuing any legal proceedings, a Letter Before Action must be sent or costs may be forfeited.

Over the past 20 years, we’ve seen 86% of debts being paid upon receipt of Lovetts Solicitors' letter, with no further action being required.

If your debtor is a sole trader (or individual), from October 1st 2017 you must adhere to the Pre Action Protocol for Debt Claims and are no longer able to send a standard Letter Before Action.

See Lovetts' full explanation of the new Pre Action Protocol.


How effective is your Letter Before Action?

We have found that 86% of our letters of demand result in a successful debt collection.

What if I want to charge interest?

In that case, we also recommend, at the same price, our Late Payment Demand. This is similar to a standard LBA but includes details of your invoices so that interest, compensation and costs of recovery may also be claimed in the letter.

Can I recover additional compensation and costs?

Recent changes in the law allow you to add to your Claim, not just interest, but also compensation of between £40 - £100 per invoice and any additional costs of recovery you may incur when chasing the debt. This can mean your debtor will cover virtually all your costs! If you would like to know more please refer to our blog article on the subject.

Free LBA Template

Letter Before Action Free Guide & Template

We share our expertise so you can send the best possible LBA to your debtors. Download your very own Free LBA Template which can guide you on what to include in a Letter Before Action and a template you can use to recover debts.

Need us to send your letters?


Letter Before Action by Email Only


plus VAT

Letter Before Action by Post & Email


plus VAT

What next?

If your commercial debt remains unpaid, then we tell you when the initial LBA has expired and invite you to instruct us further.  For most debts the most appropriate next step will be to issue a claim or issue insolvency proceedings.

Interested in finding out more?

Debt Collection: Why a Letter Before Action Is So Effective

What advantages does a Solicitors Letter hold over other debt collection practices?