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Schedule of Debt for Money Claims
If you want your claim to read clearly from the start, a proper schedule of debt helps you show exactly what the tenant owes and how you have calculated it.
Build the notice, service file, court pack, claim pack, or tenancy document around your facts before you pay.
- Answer plain-English questions and get documents built around your case, not a blank template.
- Preview the pack before payment, fix the facts, and regenerate without starting again.
- Use a fixed-price, instant workflow for the landlord file you actually need.
Start here if you need the main guide on this issue. If your situation is narrower or you want the next practical step, go to tenant not paying rent in the UK.
If you want the wider background first, read landlord money claim guide.
Ready to act? The quickest next step from here is money claim pack for unpaid rent.
For England cases, For rent arrears, a money claim works best when the arrears schedule, letter before claim, and claim particulars all tell the same story. The Money Claim Pack helps you build the claim file before you file. Prepare my money claim.
Schedule of Debt Guide
A clear breakdown of what your tenant owes makes your claim easier to understand and more likely to succeed. Here's how to create one.
Why You Need a Schedule of Debt
A Schedule of Debt is your evidence that you've calculated the claim correctly. Judges expect to see clear, itemised breakdowns. A well-prepared schedule shows the court how you reached the figure and makes the claim easier for a tenant to follow and harder to dispute.
Shows Your Working
Judges can verify your calculation. Transparency builds credibility.
Harder to Dispute
Clear breakdowns leave less room for the tenant to argue about amounts.
Protocol Compliant
Pre-Action Protocol expects itemised breakdowns in debt claims.
Example Schedule of Debt
Rent Arrears
| Period | Rent Due | Paid | Balance |
|---|---|---|---|
| March 2025 | £1,200.00 | £1,200.00 | £0.00 |
| April 2025 | £1,200.00 | £600.00 | £600.00 |
| May 2025 | £1,200.00 | £0.00 | £1,800.00 |
| June 2025 | £1,200.00 | £0.00 | £3,000.00 |
| Rent Arrears Total | £3,000.00 | ||
Damage Costs
| Item | Reference | Amount |
|---|---|---|
| Carpet replacement (lounge) | Invoice - Exhibit 3 | £650.00 |
| Wall repair and repaint | Invoice - Exhibit 4 | £280.00 |
| Damage Total | £930.00 | |
Summary
| Rent Arrears | £3,000.00 |
| Damage Costs | £930.00 |
| Interest (8% from due dates) | £142.50 |
| TOTAL CLAIMED | £4,072.50 |
Keep it simple: Use clear columns, round numbers where appropriate, and reference supporting documents. The judge should be able to follow your calculation in seconds.
Tips for Creating Your Schedule
Do:
- Use a clear table format
- Include dates for everything
- Show running balances
- Reference supporting evidence
- Calculate interest separately
- Include a clear total
Don't:
- ✗Lump everything into one figure
- ✗Forget to show payments received
- ✗Include items you can't evidence
- ✗Round up unfairly
- ✗Make calculation errors
- ✗Use confusing formatting
Get Your Schedule of Debt Generated
Our Money Claim Pack automatically generates a professional Schedule of Debt based on the information you provide about your claim.
Generate Your Documents — £28.99Includes Schedule of Debt, LBA, Particulars of Claim, and guide
Schedule of Debt FAQ
Build the notice, service file, court pack, claim pack, or tenancy document around your facts before you pay.
- Answer plain-English questions and get documents built around your case, not a blank template.
- Preview the pack before payment, fix the facts, and regenerate without starting again.
- Use a fixed-price, instant workflow for the landlord file you actually need.