UK Debt, Money Claims & Small Claims: Your Rights

If you are owed money, or you owe it, the rules depend heavily on which UK nation you are in. England and Wales, Scotland and Northern Ireland each run their own money courts and their own debt solutions, with different limits, different names and different timescales. This hub maps all three, and always points to free advice first.

Suing for money owed: the three court systems

If someone owes you money, the route depends on where the claim is brought. In England and Wales, you use the County Court small claims track for claims up to £10,000, usually through Money Claim Online. In Scotland, low-value claims (up to £5,000) go through Simple Procedure in the Sheriff Court, and the order you get is a decree. In Northern Ireland, the Small Claims Court handles claims up to £5,000. In every nation you are expected to send a letter before action first, which you can build with our letter before action generator.

Our free court fee calculator works out the issue fee and the hearing fee for a money claim in any UK nation, and our late payment interest calculator works out statutory interest and compensation on an overdue business invoice.

Judgments and their consequences

Win a money claim and you get a court order that the other side owes you. In England and Wales that is a County Court Judgment (CCJ); our plain-English guide explains what a CCJ is and the effect on credit. A CCJ can be removed if you pay in full within a month or successfully apply to set it aside. Scotland and Northern Ireland record and enforce their equivalents differently.

When a debt is too old to enforce

Debts do not last forever. Under the statute-barred rules, most simple debts become unenforceable through the courts after 6 years in England, Wales and Northern Ireland. In Scotland the period is shorter, 5 years, and the effect is stronger: the debt is extinguished entirely. Making a payment or acknowledging the debt in writing resets the clock, so this is an area to tread carefully.

Enforcement and your rights

If a judgment is not paid, it can be enforced, but who does it and how differs by nation: bailiffs / enforcement agents in England and Wales, sheriff officers in Scotland, and the Enforcement of Judgments Office in Northern Ireland. Wages can be taken through an attachment of earnings or earnings arrestment. Separately, before any court stage, debt collection is regulated: collectors must treat you fairly, cannot harass you, and can be asked to prove the debt.

If you are the one in debt: free help first

If you are struggling to pay, the single most important step is to get free, impartial debt advice before agreeing to anything. StepChange, Citizens Advice, the government-backed MoneyHelper and National Debtline (which covers England, Wales and Scotland) all give free advice and can help you set up the right solution. In Northern Ireland, nidirect points to Advice NI and StepChange for free debt advice. The options include a Debt Management Plan, a Debt Relief Order, an IVA or bankruptcy in England, Wales and Northern Ireland, and the Debt Arrangement Scheme, a Protected Trust Deed, sequestration or the Minimal Asset Process in Scotland; our debt solutions compared guide sets them out. Commercial debt-management firms charge fees for what these charities do for free, so start with the free services.

This hub is general legal information about money claims and debt in the United Kingdom, not legal or debt advice. The courts, time limits and debt solutions differ between England and Wales, Scotland, and Northern Ireland, and the law changes. If you are dealing with debt, get free, impartial advice from StepChange, Citizens Advice, MoneyHelper or National Debtline (England, Wales and Scotland), or Advice NI in Northern Ireland; if you are making a claim, check the current rules on GOV.UK, mygov.scot or nidirect. Part of our guide to United Kingdom law.

Frequently Asked Questions

How do I take someone to small claims court in the UK?

It depends on your nation. In England and Wales you use the County Court small claims track (up to £10,000), usually via Money Claim Online. In Scotland you use Simple Procedure in the Sheriff Court (up to £5,000). In Northern Ireland you use the Small Claims Court (up to £5,000). In each, you should send a letter before action first.

How long before a debt is written off in the UK?

Most simple debts become statute-barred, meaning unenforceable in court, after 6 years in England, Wales and Northern Ireland (from your last payment or written acknowledgement). In Scotland the period is 5 years and the debt is extinguished completely. Some debts, like mortgage shortfalls, have longer periods, and the clock resets if you pay or acknowledge the debt.

What powers does a debt collector have?

Very few. A debt collector, whether an agent or a company that bought the debt, is not a bailiff. It cannot enter your home or take your belongings without the creditor first getting a court judgment and a court-authorised enforcement step. Harassing you is a criminal offence, and you can ask it to prove the debt.

Should I use a company that advertises to write off my debt?

Be very careful. Free, impartial debt advice is available from StepChange, Citizens Advice, MoneyHelper and National Debtline (England, Wales and Scotland), or Advice NI in Northern Ireland, who give free advice and can help you choose and apply for the right solution. Some formal solutions still carry official or practitioner fees (bankruptcy in England and Wales costs £680, and an IVA usually has a set-up fee and a handling fee), but the advice itself costs nothing. Commercial firms often charge fees for the same solutions and some debt-write-off adverts are misleading. Always get free advice first.

Is a CCJ the same across the UK?

No. A County Court Judgment (CCJ) is an England and Wales term. Scotland issues a decree from the Sheriff Court, and Northern Ireland has its own judgments enforced by the Enforcement of Judgments Office. Each is recorded and enforced differently, though all seriously affect your ability to get credit.