What deadline for a response to what? The LoC is dated 25th April. Their 30 day deadline for you to pay has passed. They can issue a claim any time from now on. However, should they fail to issue a claim within three months of the original LoC, they should issue a new LoC.
The PAPDC doesn’t set a fixed expiry for a Letter of Claim, but paragraph 6.4 implies that if a creditor delays issuing proceedings, they must send an updated LoC and comply with the protocol afresh. While the only specific timeframe mentioned is 6 months (for reusing documents), legal best practice suggests that if more than 3 months have passed without action, a fresh LoC should be issued to ensure the debtor has a fair opportunity to respond to the current state of the claim.
So, if they've not issued a claim by 25 July, you can then write to them with the following:
Subject: Re: Your Letter of Claim dated 25 April 2025
Dear Sirs,
As of today, more than three months have elapsed since your Letter of Claim dated 25 April 2025. In accordance with the Pre-Action Protocol for Debt Claims, any proceedings issued now without a fresh Letter of Claim would constitute a breach of the protocol.
If you still intend to pursue this matter, please issue a new Letter of Claim in compliance with the PAPDC. I will respond accordingly within the prescribed timeframe.
Yours sincerely,
[Your Name]
If they do that, then on day 29 after the date of the new LoC you can send an email requesting another 30 days whilst you seek debt advice. Remember we are trying to string this out for as long as possible.
Hello,
Thanks for the advice.
I've sent over this via email as they haven't responded to the original email.
I have a question - should payment not be done by 10/01/2026 (Original claim date was 10/01/2020), are they forced to "write off" this debt and not pursue anything further?
Thanks
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