How do I recover an unpaid debt in my city?

You have two options. You can handle it yourself using Claim Builder — answer a few questions, get a professional Letter Before Action and court-ready documents for £29.99. Or you can have it handled for you by a specialist who will assess your claim and manage the process. Most straightforward debts under £10,000 are suitable for the DIY route.

When should I have it handled for me instead of doing it myself?

Have it handled for you if the debt is large, the debtor is a company with hidden assets, the case involves complex evidence, or you already have a judgment and need enforcement. A specialist can also help if the debtor has stopped responding entirely. For straightforward unpaid invoices and smaller debts, the DIY pack is usually the faster and more cost-effective option.

How much does debt recovery cost?

The DIY Debt Recovery Pack costs £29.99 — a one-off payment with no subscription. This includes a personalised Letter Before Action, case strength report, evidence checklist, and step-by-step guidance. If you choose to have it handled for you, the initial case review is free. The specialist will then quote based on the complexity and value of your case. Court fees are separate and depend on the amount claimed.

How do I recover an unpaid debt?

You have two clear options. Build your document pack with Claim Builder — answer a few questions, get a professional Letter Before Action and court-ready documents for £29.99. Or request a free case review from a specialist who will assess your claim and advise on the best approach. Most straightforward debts under £10,000 are suitable for the structured route.

When should I use a specialist instead of using the document pack?

Use a specialist if the debt is large, the debtor is a company with hidden assets, the case involves complex evidence, or you already have a judgment and need enforcement. A specialist can also help if the debtor has stopped responding entirely. For straightforward unpaid invoices and smaller debts, the document pack is usually the faster and more cost-effective option.

How much does debt recovery cost?

The Debt Recovery Pack costs £49.99 — a one-off payment with no subscription. This includes a personalised Letter Before Action, case strength report, evidence checklist, and step-by-step guidance. If you choose the specialist route, the initial case review is free. The specialist will then quote based on the complexity and value of your case. Court fees are separate and depend on the amount claimed.

What court handles debt claims?

Claims can be filed online via Money Claims Online (MCOL) or in person at your local County Court. The small claims track handles amounts up to £10,000 with no solicitor required. For larger claims, the fast track or multi-track may apply depending on the amount and complexity.

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Debt Recovery

Debt Recovery Exeter

Debt Recovery — Exeter

Recover a debt in Exeter — or have it handled for you

Take action with a professional document set from £49.99 — or have a specialist handle the recovery properly.

Choose how you want to proceed

Two clear paths. Both get results. Pick the one that suits you.

Handle it yourself

Build your claim and take action yourself with structured, ready-to-use documents.

Structured document set
Letter Before Action
Enforcement guidance
Court-ready documents
Instant PDF download

Have it handled for you

Experienced specialists handle your case — no need to manage it yourself.

Specialist handles recovery
No need to manage the process
Free initial assessment
Honest guidance on your case
Complex cases managed end-to-end

Debt Recovery in Exeter

Debt recovery in Exeter

Exeter is the administrative and commercial capital of Devon, with a diverse economy spanning professional services, education, tourism, and a growing tech sector. The city's two universities — the University of Exeter and Exeter College — generate significant supplier and services activity, while the cathedral city's professional services community around Southernhay and the Guildhall creates a steady B2B invoice market.

Exeter's tourism and hospitality economy — concentrated around the Cathedral Quarter, the Quayside, and the nearby Jurassic Coast — generates significant seasonal supplier and contractor debt. Hotels, restaurants, and event venues routinely operate on credit terms with local suppliers, and payment delays are common during off-peak winter months.

The city's growing tech and digital sector, anchored by the Exeter Science Park and the university's innovation centre, creates a parallel stream of software development, consultancy, and digital agency invoice disputes. The Met Office headquarters also generates professional services and IT supplier debt.

Local Context

Exeter's professional services community around Southernhay and the Guildhall generates retainer and consulting fee disputes. The tourism and hospitality sector around the Cathedral Quarter and Quayside creates seasonal supplier debt. The Exeter Science Park and university innovation cluster produces tech and research consultancy invoice disputes. Exeter Combined Court Centre handles commercial claims across Devon. For most Exeter cases, the document pack is the right starting point.

Court filing note

Exeter Combined Court Centre on Southernhay Gardens handles county court money claims for Devon. Claims up to £10,000 can be filed online via Money Claims Online (MCOL).

Which path is right for you?

Not sure which route to take?

Use ClaimBuilder when:

Simple cases with clear evidence
Want fast action — documents ready same day
Debt under £10,000 and straightforward
Prefer to stay in control of the process
Cost-effective solution at £29.99

Have it handled when:

The debt involves a large property development dispute with stalled projects and complex financing
You are dealing with a multi-party tourism or hospitality supply chain dispute
The case involves a tech or research consultancy dispute with complex deliverable disagreements
The debtor is a university spinout with multiple funding bodies and budget cycles
You need enforcement against a debtor with assets across Devon and the South West

Simple Process

How debt recovery works in Exeter

Three straightforward steps — whether you choose to handle it yourself or have it handled for you.

Assess your case

Describe your situation — who owes you money, how much, and what evidence you have. In minutes, you will see your case strength and the best path forward.

Choose your path

For straightforward debts, build your professional Letter Before Action and court documents using the structured pack from £49.99. For complex or high-value cases, request a free review from a specialist who can handle the process for you.

Take formal action

Send your Letter Before Action and give the debtor 14 days to respond. If they do not pay, proceed to the county court via Money Claims Online. Most debts are resolved at the LBA stage without ever reaching court.

Local Scenarios

Common debt recovery situations in Exeter

Illustrative examples of the types of cases that arise in the Exeter market.

Professional services retainer in Southernhay

An Exeter-based financial advisory firm completed a 12-week compliance review for a regional property developer. The final invoice for £15,000 remains unpaid 3 months after delivery, with the developer citing cashflow issues on a stalled project.

Tourism supplier debt near Cathedral Quarter

A local catering supplier delivered goods on 30-day credit terms to a Cathedral Quarter hotel group. Invoices totalling £9,200 are 80 days overdue following the group's seasonal closure.

Tech consultancy at Exeter Science Park

A software consultancy delivered a data platform build for an Exeter-based environmental research firm. The £11,500 final invoice has been disputed on scope grounds not raised during the 4-month project.

FAQ