Skip to main content
N I Direct government services

Main navigation

  • Home
  • News
  • Contacts
  • Help
  • Twitter
  • Facebook
  • YouTube
  • RSS

Translation help

Translate this page

Select a language

  • Afrikaans — Afrikaans
  • Albanian — Shqip
  • Amharic — አማርኛ
  • Arabic — العربية
  • Armenian — Հայերեն
  • Assamese — অসমীয়া
  • Aymara — Aymar aru
  • Azerbaijani — Azərbaycan dili
  • Bambara — Bamanankan
  • Basque — Euskara
  • Belarusian — Беларуская
  • Bengali — বাংলা
  • Bhojpuri — भोजपुरी
  • Bosnian — Bosanski
  • Bulgarian — Български
  • Cantonese — 廣州話
  • Catalan — Català
  • Cebuano — Sinugbuanong Binisayâ
  • Chichewa — Chichewa
  • Chinese (Simplified) — 简体中文
  • Chinese (Traditional) — 繁體中文
  • Corsican — Corsu
  • Croatian — Hrvatski
  • Czech — Čeština
  • Danish — Dansk
  • Dhivehi — ދިވެހި
  • Dogri — डोगरी
  • Dutch — Nederlands
  • English — English
  • Esperanto — Esperanto
  • Estonian — Eesti
  • Ewe — Eʋegbe
  • Filipino — Filipino
  • Finnish — Suomi
  • French — Français
  • Frisian — Frysk
  • Galician — Galego
  • Georgian — ქართული
  • German — Deutsch
  • Greek — Ελληνικά
  • Guarani — Avañe’ẽ
  • Gujarati — ગુજરાતી
  • Haitian Creole — Kreyòl ayisyen
  • Hausa — Hausa
  • Hawaiian — ʻŌlelo Hawaiʻi
  • Hebrew — עברית
  • Hindi — हिन्दी
  • Hmong — Hmoob
  • Hungarian — Magyar
  • Icelandic — Íslenska
  • Igbo — Asụsụ Igbo
  • Ilocano — Ilokano
  • Indonesian — Bahasa Indonesia
  • Irish — Gaeilge
  • Italian — Italiano
  • Japanese — 日本語
  • Javanese — Basa Jawa
  • Kannada — ಕನ್ನಡ
  • Kazakh — Қазақ тілі
  • Khmer — ភាសាខ្មែរ
  • Kinyarwanda — Ikinyarwanda
  • Konkani — कोंकणी
  • Korean — 한국어
  • Krio — Krio
  • Kurdish (Kurmanji) — Kurdî
  • Kurdish (Sorani) — کوردی
  • Kyrgyz — Кыргызча
  • Lao — ລາວ
  • Latin — Latina
  • Latvian — Latviešu
  • Lingala — Lingála
  • Lithuanian — Lietuvių
  • Luganda — Luganda
  • Luxembourgish — Lëtzebuergesch
  • Macedonian — Македонски
  • Maithili — मैथिली
  • Malagasy — Malagasy
  • Malay — Bahasa Melayu
  • Malayalam — മലയാളം
  • Maltese — Malti
  • Maori — Māori
  • Marathi — मराठी
  • Meiteilon (Manipuri) — ꯃꯤꯇꯩ ꯂꯣꯟ
  • Mizo — Mizo ṭawng
  • Mongolian — Монгол хэл
  • Myanmar (Burmese) — မြန်မာစာ
  • Nepali — नेपाली
  • Norwegian — Norsk
  • Odia (Oriya) — ଓଡ଼ିଆ
  • Oromo — Afaan Oromoo
  • Pashto — پښتو
  • Persian — فارسی
  • Polish — Polski
  • Portuguese — Português
  • Punjabi — ਪੰਜਾਬੀ
  • Quechua — Runa Simi
  • Romanian — Română
  • Russian — Русский
  • Samoan — Gagana Samoa
  • Sanskrit — संस्कृतम्
  • Scots Gaelic — Gàidhlig
  • Sepedi — Sepedi
  • Serbian — Српски
  • Sesotho — Sesotho
  • Shona — Shona
  • Sindhi — سنڌي
  • Sinhala — සිංහල
  • Slovak — Slovenčina
  • Slovenian — Slovenščina
  • Somali — Soomaali
  • Spanish — Español
  • Sundanese — Basa Sunda
  • Swahili — Kiswahili
  • Swedish — Svenska
  • Tajik — Тоҷикӣ
  • Tamil — தமிழ்
  • Tatar — Татар теле
  • Telugu — తెలుగు
  • Thai — ไทย
  • Tigrinya — ትግርኛ
  • Tsonga — Xitsonga
  • Turkish — Türkçe
  • Turkmen — Türkmençe
  • Twi — Twi
  • Ukrainian — Українська
  • Urdu — اردو
  • Uyghur — ئۇيغۇرچە
  • Uzbek — Oʻzbekcha
  • Vietnamese — Tiếng Việt
  • Welsh — Cymraeg
  • Xhosa — IsiXhosa
  • Yiddish — ייִדיש
  • Yoruba — Yorùbá
  • Zulu — IsiZulu
  • Breadcrumb

    1. Home
    2. Crime, justice and the law
    3. Court claims and bankruptcy

    Recover debts owed to you

    If a person or company owes you money and won't pay, there are ways of recovering the debt. The action you take will depend on the size of the debt and your ability to prove that you are owed the money.

    Contacting the person or company who owes you money

    Speak to the person who owes you money. You may be able to informally agree a plan to get the money repaid.

    If that doesn’t work, you can write a letter. Tell them:

    • how much they owe
    • what it’s for
    • what you have already done to try to get the money

    It's important to include information like:

    • who's involved - the name and address of both you and the person who owes you money
    • dated copies of all paperwork for the debt
    • a date when you expect payment (at least seven days)
    • a request for the debtor to put in writing any issue or dispute they have with your statement
    • details of the steps you'll take if payment isn't received

    You should avoid:

    • being drawn into heated arguments or lengthy correspondence
    • threatening legal action that you're not prepared to follow up

    Using mediation to reach agreement over debt dispute

    If you are unable to come to an agreement over the debt, you can get help to negotiate a solution using a mediation service.

    In mediation, someone from a mediation service helps two sides find a solution to a dispute. It can be quicker, cheaper and less stressful than going to court.

    The court will expect you to try to solve the dispute through negotiation or mediation before going to court.

    If mediation doesn’t work, you can still take a case to court.

    Using a solicitor

    If you’re not able to come to an agreement, it can be helpful to discuss your case with a solicitor who's experienced in debt recovery.

    For a fee, they can write a letter to the person who owes you money. The letter can tell them that legal action may be taken if they don't pay. A solicitor's letter can produce quick results.

    Talking with a solicitor can also help define your case in legal terms and help identify further action that may be available to you.

    Sometimes solicitors will work to a fixed fee. If they are charging an hourly rate, this is usually around £50.oo an hour.

    • Find a solicitor - Law Society

    Using a debt recovery agency

    Some companies specialise in debt recovery and will employ a solicitor to take legal action to recover your debt. They may charge a fixed fee or take an amount of the money they recover on your behalf.

    It's possible the agency might not use legally trained staff.

    Recovering debts through the courts

    If you can't reach agreement over the matter in any other way, you may want to make a claim in court. This is normally used as a last resort. It's a good idea to seek independent legal advice first.

    It's important to remember that:

    • it can take months for a case to go to court
    • there’s no guarantee you’ll win the case
    • you may have to pay the other side’s costs if you lose the case
    • if the other side can’t pay (for example, they’re bankrupt or not working), it will be hard to get money back

    If win your case, you may have to apply to the Enforcement of Judgments Office EJO) to ask them to try to recover the money on your behalf, as the court won’t enforce a judgment.  

    There are further fees that the EJO will charge you to enforce your judgment. You can find out more information by contacting the EJO at:

    •  postroomejo@courtsni.gov.uk

    Claiming online

    Where the value of the claim does not exceed £5000, you can make a claim online using the Small Claims service.

    • Northern Ireland Courts and Tribunals Service

    More useful links

    • Advice NI
    • Step Change Debt Charity
    Share this page Share on Facebook (external link opens in a new window / tab) Share on X (external link opens in a new window / tab) Share by email (external link opens in a new window / tab)

    Court claims and bankruptcy

    • Bankruptcy
    • Insolvency Practitioner Directory
    • Recover debts owed to you
    • Search the Insolvency Directory
    • Small claims process

    Help improve this page - send your feedback

    What do you want to do?
    Report a problem
    Which problem did you find on this page? (Tick all that apply)

    Messages

    You will not receive a reply. We will consider your feedback to help improve the site.

    Don't include any personal or financial information, for example National Insurance, credit card numbers, or phone numbers.

    What is your question about?

    What to do next

    Comments or queries about angling can be emailed to anglingcorrespondence@daera-ni.gov.uk 

    If you have a comment or query about benefits, you will need to contact the government department or agency which handles that benefit.  Contacts for common benefits are listed below.

    Carer's Allowance

    Call 0800 587 0912
    Email 
    dcs.incomingpostteamdhc2@nissa.gsi.gov.uk

    Discretionary support / Short-term benefit advance

    Call 0800 587 2750 
    Email 
    customerservice.unit@communities-ni.gov.uk

    Disability Living Allowance

    Call 0800 587 0912 
    Email dcs.incomingpostteamdhc2@nissa.gsi.gov.uk

    Employment and Support Allowance

    Call 0800 587 1377

    Jobseeker’s Allowance

    Contact your local Jobs & Benefits office

    Personal Independence Payment

    Call 0800 587 0932

    If your query is about another benefit, select ‘Other’ from the drop-down menu above.

    Comments or queries about the Blue Badge scheme can be emailed to bluebadges@infrastructure-ni.gov.uk or you can also call 0300 200 7818.

    For queries or advice about careers, contact the Careers Service.

    For queries or advice about Child Maintenance, contact the Child Maintenance Service.

    For queries or advice about claiming compensation due to a road problem, contact DFI Roads claim unit.

    If you can’t find the information you’re looking for in the Coronavirus (COVID-19) section, then for queries about:

    • Restrictions or regulations — contact the Department of Health
    • Travel advice (including self-isolation) — contact the Department of Health
    • Coronavirus (COVID-19) vaccinations — contact the Department of Health or Public Health Agency

    If your query is about another topic, select ‘Other’ from the drop-down menu above.

    For queries about your identity check, email nida@nidirect.gov.uk and for queries about your certificate, email covidcertni@hscni.net.

    For queries or advice about criminal record checks, email ani@accessni.gov.uk

    Application and payment queries can be emailed to ema_ni@slc.co.uk

    For queries or advice about employment rights, contact the Labour Relations Agency.

    For queries or advice about birth, death, marriage and civil partnership certificates and research, contact the General Register Office Northern Ireland (GRONI) by email gro_nisra@finance-ni.gov.uk

    For queries about your GRONI account, email gro_nisra@finance-ni.gov.uk.

    For queries about the High Street Spend Local Scheme,  email HSSS.mail@economy-ni.gov.uk.

    For queries about:

    • Car tax, vehicle registration and SORN
      contact the Driver and Vehicle Licensing Agency (DVLA), Swansea
       
    • Driver licensing and tests, MOT and vehicle testing
      contact the Driver & Vehicle Agency (DVA), Northern Ireland

    If your query is about another topic, select ‘Other’ from the drop-down menu above.

    For queries about your identity check, email nida@nidirect.gov.uk.

     

    For queries or advice about passports, contact HM Passport Office.

    For queries or advice about Penalty Charge Notices (PCNs), including parking tickets and bus lane PCNs, email dcu@infrastructure-ni.gov.uk

    For queries or advice about pensions, contact the Northern Ireland Pension Centre.

    If you wish to report a problem with a road or street you can do so online in this section.

    If you wish to check on a problem or fault you have already reported, contact DfI Roads.

    For queries or advice about historical, social or cultural records relating to Northern Ireland, use the Public Record Office of Northern Ireland (PRONI) enquiry service.

    For queries or advice about rates, email LPSCustomerTeam@lpsni.gov.uk

    For queries or advice about  60+ and Senior Citizen SmartPasses (which can be used to get concessionary travel on public transport), contact Smartpass - Translink.

    If you have a question about a government service or policy, you should contact the relevant government organisation directly.  We don't have access to information about you.

    Related sites

    • gov.uk
    • nibusinessinfo.co.uk

    Links to supporting information

    • Accessibility statement
    • Crown copyright
    • Terms and conditions
    • Privacy
    • Cookies
    • Twitter
    • Facebook
    • YouTube
    • RSS