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Sending an LBA: Letter before action FREE template

Last modified: January 19, 2024

Sending an LBA: Letter before action FREE template Frontline Collections

Disputes and disagreements are an inevitable part of life. However, when these disagreements escalate into potential legal battles, it’s crucial to know how to navigate the process effectively. One of the first steps in this process is sending a ‘Letter Before Action’ (LBA). This article will explore what an LBA is, its importance, and how to construct one.

Understanding The Letter Before Action

An LBA is a formal, written communication that must be sent to someone before you initiate debt recovery proceedings against them. It serves as a final warning, laying out the details of the dispute, the claims being made, and the consequences if the matter isn’t resolved. Essentially, it’s a way to give the other party one last chance to resolve the issue before court proceedings begin.

The LBA is not always just a simple letter; it can play a vital part of the legal process. It is often the first step taken before any debt recovery claim is launched, and it serves to warn the debtor about the impending case.

The Importance Of An letter before action free template

The primary purpose of an LBA is to clarify your intentions to the defendant and provide them with an opportunity to settle the matter without resorting to debt collection or court proceedings. This can save both parties time, money, and stress.

It also demonstrates to the court, should the case go that far, that you’ve made every reasonable effort to resolve the situation before resorting to debt collection action or litigation.

Sending an LBA: Letter before action FREE template Frontline Collections

Constructing An Letter before action

When writing an LBA, it’s crucial to include specific details. Begin by outlining what has transpired, followed by what you’re claiming or demanding. This could be anything from payment of a debt to not being paid for work done.

Next, set out the time frame for response. Typically, the debtor is given between 7 to 28 days from the date of the letter to respond, but this can vary depending on the circumstances.

It’s also important to state clearly the consequences of failing to meet your demands within the specified time frame. For instance, if you’re demanding payment of a debt, mention that you may take debt collection and/or legal action to recover the owed amount if it’s not paid within the given period.

Finally, the LBA should be sent by post unless the debtor consents to another form of communication. This ensures there’s a record of the letter being sent and received.

Letter before Action Template Free

This basic Letter before action free template is designed to help anybody who is owed money. Whether you are a dentist with unpaid dental fees or an individual looking to collect a debt for a personal loan to a friend, this can help.

This letter before action free template is designed to be edited as appropriate.

[Name of person and/or name of Business that owes you money]

[Your address]


Dear Sir/Madam,

Ref No: [Any reference number or account number] Amount overdue: [Enter amount]

I/we am/are writing to you because the payment for invoice no. [Enter invoice number] is now [number of days] days overdue.

I/we have not heard from you regarding the invoice and you have not queried your account, so I/we assume the balance is not disputed.

Please find a copy of the invoice/account enclosed. Unless payment is made by [Enter date], I/we will be left with no option other than to take debt recovery action to recover the money owing.

In this case, debt recovery costs will be added to the debt and your credit record will show a county court judgement against your business’s name.

To prevent debt recovery action, please contact me within 7 days of receiving this letter to discuss payment of the outstanding sum.

Thanks for your co-operation.

Yours faithfully,

[Your signature]

[Your full name/Business name]

LBA conclusions

In conclusion, an LBA is a critical tool in dispute resolution. It’s a formal way of communicating your grievances and demands, providing the other party with an opportunity to address the issue before legal proceedings commence.

Remember, each case is unique, and while this article provides a general guide, it’s always best to seek professional legal advice when dealing with legal matters. By understanding what an LBA is and how to use it effectively, you can navigate disputes more confidently and efficiently.

Do I need to send a Letter before action free template?

If all avenues of polite dialogue have had no effect, adopting a firmer approach will help get you paid. Whether you are a Business that is owed more or not been paid for work done, an LBA can help.

This LBA is designed to stir your debtor into action. A letter of claim maybe a more appropriate option for more sizeable debts or for contentious issues.

Is court action necessary to get a debt paid?

No is the answer! If a debtor continues to ignore requests for payment, court action is not the only option. Working with a Professional Debt Collection Agency has been proven to be a more expedient method of recovery in many instances.

Legal action can be very expensive in terms of time and money. But with the right approach, you can often recover your debt without having to go through the legal process. A Letter before Action is a great way of giving them a final chance to pay up or reach an agreement on repayment terms.

Using a Debt Collection Agency or small claims court can be dependant on the value. For a sum of say £150, the small claims court is probably more appropriate. This is due to the fact it would not ben cost effective for the UK debt collection agent.

Work with a Professional Debt Collection Agency

We are experienced professionals who can assist you in navigating the process of recovering your debt. At Frontline Collections, we go that extra mile to ensure our clients get paid. Our service is fully comprehensive and less than 1% of the cases we deal with require legal action.

Since 2005, Frontline Collections have helped thousands of individuals and businesses recover what they are owed. Take action today and speak with us.


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