Can I Still Collect a Debt If I Have No Written Contract?

Many people mistakenly believe that a written contract is the only way to legally enforce a debt. While this is the ideal scenario when it comes to collecting a debt, it doesn’t mean that you can’t recover an overdue debt without one.

In this blog, we’re looking into other forms of agreement that you can use as evidence of the debt, and the steps to take when collecting a debt – with or without a written contract.

Alternative Forms of Agreement

Even without a formal written contract, you may be able to prove a debt exists through:

• Electronic Communication: Emails, text messages, and social media messages discussing the product, service, or repayment terms can all be used as evidence of an agreement.
• Bank Statements: Bank statements can show evidence of payments made or received, which can help to establish the existence of the debt.
• Delivery Receipts: Delivery receipts can prove that goods were delivered or a service was provided.
• Witness Statements: If someone witnessed the agreement being made, their testimony can be valuable and support your claim.

The more evidence you have, the stronger your position.

How to Collect a Debt – With or Without a Written Contract

Supplied with your evidence, it’s time to take action and get paid what you are owed.

• Contact the Debtor: The first step is to contact the debtor and attempt to resolve the issue amicably. Explain the situation clearly and provide evidence of the debt. This can be an initial gentle reminder, such as a quick phone call or email, or a more formal letter outlining the debt and repayment terms if that gentle nudge doesn’t work.
• Enlist the Help of a Professional Debt Collection Agency: If you are struggling to collect the debt yourself, you may want to consider enlisting the help of a professional debt collection agency. A debt collection agency has the expertise and resources to pursue the debt on your behalf.

By following these steps and seeking professional help when needed, you can improve your chances of recovering the money owed to you.

If you need our help recovering a debt, please get in touch by calling 0800 009 6106 or emailing hello@mydebtrecovery.co.uk.