Letter Before Action

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

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 30 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.


Prices start from as little as £1.50 plus VAT


    • We have found that 86% of our letters of demand result in a successful debt collection and no further legal action is required.

    • 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.

    • 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 article on the subject.

Lovetts Letter Before Action Template

Free Letter Before Action
Template and Guide

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.

  • Letter before action by email only

    plus VAT

  • Letter before action by Post & Email

    plus VAT

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See how Lovetts Solicitors can recover your debt by sending a Letter Before Action from £1.50 plus VAT