The Association of Credit Providers is the best place to make a claim for payment of a debt. Our 95,000 strong memberships will all be advised of the threat of doing business with your debtor; we also make our information available to credit reference agencies. By using our services you have the power of a truly national organisation that your debtor can not afford to ignore.
Once we receive your instruction to collect the debt, and after we have sent the first letter to your debtor of introduction and request to pay with immediate effect, we will host your debtors name, address and details on our Defaulters Directory. Anybody who searches credit information on with debtor’s name will be able to see the details.
Click the link below to submit your details:
The Late payment act enables our fees to be covered by the debtor and therefore the cost of collecting your debt, will cost you nothing.
Debt collection free of charge: We charge the debtor our cost instead of you. This method is only possible when uncontested, or a commercial debt or there is an agreement between you and the consumer that costs will be added to the consumers account.
No Collect No fee: This method can be requested our typical costs are
| Costs |
| 10 % for debts less then 10 months old |
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15% for debts over 10 months - 18 month old |
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25% for debts over 24 months |
Pay as we Collect: In some cases it is impossible for us to charge the debtor directly. But the process of collection may involve huge costs in tracing or in legal activities. In such case a you may be charged on the expenses and on hourly rate basis.
On occasions the debtor may not be responsive to our demands and hence we may need to go to court. For an uncontested debt we will handle all the case documentation for you but for a defended case we will introduce you to one of our Barristers from our panel, who will advise and guide you on our behalf accordingly.
Below is a list of possible costs incurred from court action:
Civil Court fees
Starting your claim
To issue a claim form where your claim is for money only and the amount is:
| Upto a Debt of | Costs |
| up to £ 300.00 | £ 30.00 |
|
£ 300.01- £ 500.00 |
£ 45.00 |
|
£ 500.01- £ 1,000.00 |
£ 65.00 |
|
£ 1,000.01- £ 1,500.00 |
£ 75.00 |
|
£ 1,500.01- £ 3,000.00 |
£ 85.00 |
|
£ 3,000.01- £ 5,000.00 |
£ 108.00 |
|
£ 5,000.01- £ 15,000.00 |
£ 225.00 |
|
£ 15,000.01- £ 50,000.00 |
£ 360.00 |
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£ 50,000.01- £ 100,000.00 |
£ 630.00 |
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£ 100,000.01- £ 150,000.00 |
£ 810.00 |
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£ 150,000.01- £ 200,000.00 |
£ 990.00 |
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£ 200,000.01- £ 250,000.00 |
£ 1,170.00 |
|
£ 250,000.01- £ 300,000.00 |
£ 1,350.00 |
|
over £300,000.00 or for an unlimited amount |
£ 1,530.00 |
|
To issue proceedings where your claim is for something other than money, including claims for possession |
£ 150.00 |
Preparing for hearing
Allocation Questionnaire fee:
| Upto a Debt of | Costs |
| small claim for money of £ 1,500.00 or less | no fee |
| small claim for money where the claim is between £ 1,500.00 and £ 5,000.00 | £ 35.00 |
| all other claims | £ 200.00 |
Hearing fee
The hearing fee is payable by the claimant
| Upto a Debt of | Costs |
| small claim track case which does not exceed £ 300.00 | £ 25.00 |
| small claim track where the claim exceeds £ 300.00 but does not exceed £ 500.00 | £ 50.00 |
| small claim track where the claim exceeds £500 but does not exceed £ 1,000.00 | £ 75.00 |
| small claim track where the claim exceeds £1,000 but does not exceed £ 1,500.00 | £ 100.00 |
| small claim track where the claim exceeds £ 1,500.00 but does not exceed £ 3,000.00 | £ 150.00 |
| small claim track where the claim exceeds £ 3,000.00 | £ 300.00 |
| fast-track case | £ 500.00 |
| multi-track case | £ 1,000.00 |
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