UK Letter Before Claim (Money Owed)
First-person self-help pre-action letter before claim for money owed, sent before you issue a small claim. Tailors to England & Wales (County Court, up to £10,000, Money Claim Online), Scotland (Sheriff Court Simple Procedure, up to £5,000), and Northern Ireland (Small Claims, up to £5,000), with the right fee and limitation period. You complete and send it in your own name.
Statute of Limitations Warning
Legal deadlines apply to your claim. You lose your right to act if you wait too long. Send notice as soon as possible.
Why this letter works:
- Cites the exact law: Automatically applies the correct state and federal statutes to your situation.
- Sets a firm deadline: Legally compels a response within the required statutory timeframe.
- Creates a paper trail: Designed to serve as Exhibit A if you need to escalate to an agency or court.
Answer a few questions and we'll create your personalized letter.
One-time price:$19≈ £15Paid once at the end. No subscription.
Your Action Plan
This is the final formal demand before litigation.
Download your personalized PDF immediately after purchase and send it.
Your letter includes a firm deadline. Do not engage in informal text messages during this time.
If they miss the deadline, you have completed the required out-of-court steps. Hand this complete paper trail to a local attorney for litigation.
Your claim
Tell us who owes you money, how much, and why. We tailor the letter to the small-claims procedure for your part of the UK, including the right court, fee, and time limit.
This letter will cite
Pre-action protocols (CPR Practice Direction, England & Wales); Simple Procedure (Scotland); small claims procedure (Northern Ireland). Small-claims limits: £10,000 (E&W), £5,000 (Scotland), £5,000 (NI).
A letter before claim is the step the courts expect you to take first. If it is ignored, you can issue a claim online for a modest fee.
The small-claims court, the limit, and the fee differ across the UK, so this changes your letter.
Before you start
What exactly do I get, and when?
A personalized PDF letter, written around the statute that applies to your situation, with the deadline and the consequence spelled out. It downloads the moment payment confirms, back here on commoner-law.com — there is no waiting period and no account to create.
How much is it?
$19, once. Not a subscription, and nothing is charged until you complete payment on Stripe at the end of the wizard. Any add-ons you select show their own price before you pay.
Is this legal advice?
This tool creates a self-help letter before claim that you complete and send in your own name. It is general legal information, not legal advice, and we are not a law firm or your solicitors. The small-claims forum, limit, fee, and limitation period differ across the UK. Rules and fees change over time — check the current position with the relevant court service before you file.
What if I need to change something afterwards?
Tell us and we will either adjust the letter and send you the updated version at no cost, or refund you in full — your choice. If we can’t deliver what you paid for, the refund is automatic. Full terms are on our promise page.
Do I have to pay to know if I have a case?
No. The rights encyclopedia on this site is free and cites the same primary sources the letter does. Read the relevant guide first — plenty of situations are resolved by a phone call to a free statutory body, and where one exists we say so.