Letter Before Action (Money Owed)

Subject: Letter Before Action – money owed – £[Amount]

To: [Recipient full name]
Address: [Recipient address]
Date: [DD Month YYYY]

Dear [Recipient name],

I am writing regarding the sum of £[Amount] which you owe to me.

Details

• Amount owed: £[Amount]
• Reason: [Loan / goods sold / services provided / other]
• Date(s) owed from: [DD Month YYYY]
• Evidence: [e.g., messages, invoice, bank transfer reference]

Please pay the full amount within 14 days of the date of this letter (by [DD Month YYYY]).

Payment details:
Bank transfer: [Name] – [Sort code] – [Account number]
Reference: [Reference to use]

If I do not receive payment by the deadline, I may start a claim via the county court (small claims) without further notice. This may result in additional costs and interest being added to the amount owed.

If you dispute this debt, please reply in writing within 14 days explaining why and providing any supporting evidence.

Yours faithfully,
[Your full name]
[Your address]
[Your email]
[Your phone]