A new pre-Action Protocol for Debt Claims is introduced and comes into effect on 1 October 2017.The new protocol can be seen in the Pre-Action Protocol for Debt Claims (PDF)

Source: Civil – Civil Procedure Rules

The rules bring in new requirements for creditors to provide full information about a debt, including a statement of account and details of charges, and inform the debtor of his right to request copies of any agreement the debt may be based upon, at the letter before claim stage of proceedings.

The creditor must give debtors 30 days to respond to the letter before claim, and provide a form for the debtor to complete indicating whether they are seeking debt advice, wish to pay the debt or have a dispute over the debt.

Should a claim continue to the courts the court will consider the parties compliance with the new protocols when managing the case.

The information and reply sheets are included in Pre-Action Protocol for Debt Claims (PDF) in the Annex.