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How to Write a Letter Before Action for Unpaid Rent (
Step-by-step guide to writing a Pre-Action Protocol compliant Letter Before Action for tenant debt. Free template and examples for landlords.
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Your tenant owes you money and you need to know the fastest lawful way to chase it. This guide explains the route, the paperwork, and the mistakes that can slow you down.
Need landlord documents that are ready to use? Our money claim for unpaid rent Pack generates a compliant Letter Before Action tailored to your specific claim.
What is a Letter Before Action?
A Letter Before Action (sometimes called an LBA or "letter of claim") is a formal letter you send to a debtor before starting court proceedings. It gives them one final chance to pay or propose a payment plan before you issue a claim.
Unpaid rent
Tenant still owes money? Prepare the claim file
If the arrears keep growing, turn the problem into a clearer debt record and claim narrative before the evidence gets harder to untangle.
- Set out what is owed clearly before the numbers get harder to untangle.
- Build the claim in plain English.
- Get the court paperwork ready for the next step.
For landlords, you'll typically send an LBA when a tenant owes you:
- evict tenant not paying rent guide arrears
- Property damage costs exceeding the deposit
- Cleaning costs not covered by the deposit
- Unpaid utility bills they were responsible for
- Early termination fees
- Any other contractual debt
Why is the LBA Required?
The Pre-Action Protocol for Debt Claims requires creditors to send a compliant letter before starting court proceedings. The protocol aims to:
- Give debtors a chance to pay without court action
- Encourage early settlement and payment plans
- Ensure debtors understand the claim against them
- Reduce unnecessary court cases
If you don't follow the protocol, the court may:
- Stay (pause) your claim until you comply
- Refuse to award you costs even if you win
- Order you to pay the defendant's costs
What Your LBA Must Include
A compliant Letter Before Action must contain specific information:
Essential Elements:
- ? Your full name and address (the creditor)
- ? The debtor's full name and address
- ? The amount owed (itemised breakdown)
- ? How the debt arose (e.g., tenancy agreement)
- ? Interest claimed (if any)
- ? A deadline to respond (minimum 30 days)
- ? What happens if they don't respond
- ? Information about debt advice services
- ? A reply form or financial statement
Letter Before Action Template
Here's the structure your letter should follow:
[Your name and address]
[Date]
[Tenant's name and current address]
LETTER BEFORE ACTION
Dear [Tenant's name],
I am writing regarding money you owe me in connection with your tenancy at [property address] under the assured shorthold tenancy agreement dated [date].
Amount Owed:
Unpaid rent ([dates]): £[amount]
Damage to property: £[amount]
Interest at 8% per annum: £[amount]
Total: £[total]
[Explanation of how debt arose and evidence you hold]
Please pay this amount within 30 days of the date of this letter. If you do not pay or contact me to arrange payment, I will start court proceedings without further notice.
If you are experiencing financial difficulties, free debt advice is available from StepChange (0800 138 1111), Citizens Advice, or National Debtline (0808 808 4000).
Yours sincerely,
[Your signature and name]
How to Send Your Letter Before Action
How you send the letter matters for evidence purposes:
- First class post - Standard method, keep proof of posting
- Recorded delivery - Provides tracking but tenant may refuse
- Email - Acceptable if you have their email address, keep sent copy
- Hand delivery - Have a witness and note date/time
The 30-day response period starts from when they receive the letter (or when it's deemed delivered—typically 2 business days after posting).
What Happens After Sending the LBA
After sending your Letter Before Action, several things might happen:
Best Case: They Pay
The tenant pays in full. Matter resolved—no court needed.
They Propose Payment Plan
Consider if it's reasonable. You can negotiate or reject and proceed to court.
They Dispute the Debt
Review their reasons. If you still have a valid claim, proceed to court.
No Response
After 30 days, you can issue your court claim via MCOL or N1 form.
Ready to Start Your Claim?
Our Money Claim Pack includes a professionally drafted Letter Before Action, Particulars of Claim, and step-by-step guidance.
Start Your Money Claim - £28.99FAQs for landlords
How long must I wait after sending the LBA?
You must give the debtor at least 30 days to respond from the date they receive the letter. If they ask for more time to get debt advice, consider allowing up to 30 additional days.
Can I claim interest in my LBA?
Yes. You can claim statutory interest at 8% per year on debts. Calculate from when the debt was due until your claim date. Include the calculation in your letter.
What if the tenant has moved and I don't have their address?
Try to find their current address through forwarding mail, references, guarantors, or tracing services. If unsuccessful, you may still be able to proceed with court action using their last known address.
Do I need a solicitor to send an LBA?
No. Landlords can send Letters Before Action themselves. The letter doesn't need to be from a solicitor to be valid—it just needs to contain the required information.
Prefer us to prepare it with you?
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£399Possession claim pack prepared with you
A 45-minute callback to prepare or check N5, N119, service evidence, bundle steps, and the filing pack.
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Rent, damage, bills, or debt?
£249Money claim prepared with you
A 30-minute callback to turn the debt, evidence, pre-action position, and claim wording into a clearer claim pack.
Book money claim assisted prepWhat to do next
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FAQs for landlords
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