How to Complain if Someone Owes You Money

Complaining phone calls are almost always a waste of your time and money.

If calling1 the person who owes you money the first time does not solve your problem, then put the complaint in writing, keep a copy for yourself and let them know of your intention to sue if you are still ignored.

Firstly, it would be best if you could go round in person, and tell them that you will wait for them to raise a cheque. If this is not possible - the debtor is overseas, for example, or you can't get the time off work - then you should write to them.

Write to the person (or company) giving them 14 days to repay what they owe (from the date of your letter). If payment is not received within the 14 days, legal proceedings will follow. Send a Final Demand at 28 days.

Charge an additional Ј20 (or appropriate sum in any other currency) for the letter you are sending. If it is a bank you are writing to, they would charge you.

Make sure your letter contains all the appropriate information such as:

• Full contact details and telephone number.
• Contract number/account number/invoice number (for non-delivery of goods).
• The dates you paid them and the date they promised the merchandise or service.
• If you paid by cheque, give them your cheque number and the date the cheque was presented to your bank.
• The date you phoned them and if possible, the person you spoke to.
• If they have not responded by the 28th day, sue them through the County Court. (Or equivalent in your country).