Initial steps taken by Forbes Collect

It is a requirement that at the start of debt recovery action we write to the debtor to bring the unpaid invoices to their attention and also set out your full claim against them. This is known as a letter before action. This letter forms part of our pre-litigation process.

At Forbes Collect we focus on recovering your monies at this initial pre-litigation stage and our aim is to maximise your returns at this stage.

One of the ways we seek to maximise your returns is that we immediately add interest and in the case of business debts, compensation to each invoice. Therefore even when we have been paid after our first letter, we have recovered additional sums to compensate you for the inconvenience of late payment.

  • If your debt is owed by an individual we add interest at 8% to the debt
  • For business debts we impose an interest payment set at 8% above the Bank of England's base rate
  • We also claim compensation on the debt. This is currently fixed at:
    • Debt of up to £999.99: £40 per invoice
    • £1,000-£9,999.99: £70 per invoice
    • £10,000 or over: £100 per invoice

During our pre-litigation process the following will be done:

  1. A Companies House (business debts) or Insolvency search (individuals) will be conducted to highlight any issues at the outset
  2. A letter before claim will be sent, stating that the debtor has 14 days to make a payment
  3. We will chase the debtor via several means of communication, including phone, email and text message during the 14 day period

For more information or to instruct us today, contact Forbes Collect on 0800 689 4176 or email us on

Forbes Collect


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