Consumer debt

LRC deal with a large range of consumer debts from a variety of different industries and collect both non Consumer Credit Act (CCA) regulated debt and CCA regulated debt provided there is a prospect of litigation.

Pre-legal Collections Strategy

The majority of consumer debts go through our pre-legal collections strategy. You can choose from our standard consumer collections strategy or we can create a bespoke strategy together. This process allows us to try and resolve any disputes or complaints the customer may have if payment of the debt is not forthcoming.

All consumer debts are data cleansed before communications commence. The pre-legal collections strategy comprises of data cleansing, letters, emails, calls and SMS texts which are spread over a 30 day period. Payment can be made in a variety of different ways including direct debit, over the phone or via a 24/7 automated payment line. All of our collection letters have a unique bar-code to enable payment to be made at any Paypoint outlets.

We can arrange repayment plans once the customer completes and returns a Personal Financial Statements (PFS) to us. Once received, we assess what amount is sustainable for your customer. Payment arrangement plans are reviewed after 6 months.

Legal Recoveries

Letter Before Claim

Under the Debt Recovery Pre-Action Protocol (2017), a Letter Before Claim (LBC) must be sent to the debtor before Court action can commence which gives them a mandatory 30 days to respond. The LBC must include an information form, reply form and detailed income and expenditure form. The Pre-Action Protocol does not apply to commercial cases.

Claim Form

We use the quicker and cheaper Claims Productions Centre to issue claims through the County Court. We are able to handle any of your defended matters up to and including a final hearing. The work is supervised by Rachael Ward, our COLP lawyer (Compliance Officer for Legal Practice).


Once Judgment is obtained and if no payment has been received there are a number of enforcement methods to be considered and a number of reports which we can obtain to help us identify which enforcement method is appropriate. We will advise you on a case by case basis given the circumstances of the matter.


The most common types of enforcement we use are High Court Enforcement Agents, Attachment of Earnings Applications and Charging Order Applications Order.


LRC can assist you with insolvency actions including Statutory Demands, Bankruptcy Petitions and Winding-Up Petitions.

Tracing Reports

Depending on the circumstances there are several reports which we can obtain to help us determine the best way forward to successfully recover money for you. The reports could be for home address and employment tracing.
We offer our Insight report which identifies any County Court Judgments, credit applications made and checks residency. Office Copy Entries can also be obtained to see if your customer is a property owner. All of this can be valuable information which will help with the decision making process as to whether litigation (court action) may be appropriate

Mini or full Asset Trace Report

These are particularly helpful for high debt value cases and they can establish a sole-trader’s whereabouts. The reports can be obtained at any point in the debt recovery cycle. They show whether taking court action is appropriate and cost effective and will help us to make recommendations to you on how to proceed. They can also be used at the post judgment stage to help determine which enforcement method is appropriate to use.

Through our experience of working together with organisations we will:

  • Save you time and valuable resources in the collection of money owed
  • Devise strategies to maximise recovery of your debts
  • Provide you with continued support. advice and assistance throughout the debt recovery process
  • Ensure that your reputation is protected at all times by always acting in a professional, compliant and ethical manner
  • Provide you with Debt Manager access to enable you to keep yourself updated as to the progress of your cases at all times

If you have any questions about our service or would like to discuss your matters with us in greater detail, please contact the Business Development Team on 0330 024 6342