BusinessDebt Collection Process
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Service Charge Demand Issue. Leaseholder is required to settle in full within 28 days, or set up Standing Order for monthly payments
Has Leaseholder settled in full or set up Standing Order for monthly payments?
NO
Reminder Letter to be issued (No Charge). Letter will state Leaseholder has 21 days to settle in full or set up Standing Order for monthly payments.
Has Leaseholder settled in full within 21 days or set up Standing Order for monthly payments?
NO
Debt Collection Letter to be issued. (42.00 Charge). Leaseholder has 14 days to settle in full or set up Standing Order for monthly payments.



YES




YES


 
If settled in full, no further action required. If Standing Order has been set up, track to ensure monthly payments are kept.
 
If settled in full, no further action required. If Standing Order has been set up, track to ensure monthly payments are kept.
 









Has Leaseholder settled in full within 14 days or set up Standing Order for monthly payments?
NO
2nd Debt Collection Letter to be issued. Document to be enclosed for Leaseholder to sign & return, giving Sapphire authority to contact their Mortgage Lender for settlement of the Arrears.(42.00 Charge) Leaseholder has 7 days to settle in full or set up Standing Order for monthly payments.
Has Leaseholder settled in full within 7 days, signed and returned authorization form, or set up Standing Order for monthly payments?
NO
Land Registry Search to be obtained. (30.00 Charge) Required to obtain details of Leaseholders Mortgage Lender.
Letter to be sent to Mortgage Lender notifying them of the Arrears, and request that they settle on the Leaseholders behalf.

YES




YES




If settled in full, no further action required. If Standing Order has been set up, track to ensure monthly payments are kept.
 
If settled in full, no further action required. If Standing Order has been set up, track to ensure monthly payments are kept. If authorization form has been returned, forward to Mortgage Lender for settlement of Arrears. (114.00 Charge)
 
 









Has Mortgage Lender settled on behalf of the Leaseholder?
NO
Section 146 Notice required. Hand to PDC or Sapphire to carry out Section 146 Request.
NO
 
 
 

YES


YES






Statement to be updated and case to be closed.