New Pre-Action Protocol for Debt Claims from 1st October 2017

On the 1st October 2017, a new Pre-Action Protocol for Debt Claims came into force. The new Protocol is slow and onerous and creditors must follow it before a claim can be issued in court. The Protocol is aimed at avoiding court proceedings and encourages parties to engage in alternative forms of dispute resolution.

The Protocol applies to all businesses, including sole traders, who are claiming payment of a debt from an individual (also including sole traders).

The process involves sending a detailed Letter of Claim to the debtor with certain prescribed contents. Creditors have to give debtors at least 30 days to respond before instigating court proceedings.

We’ve updated our Debt Recover Guide and put together a number of templates to help ensure creditors follow the right procedures (click here). For more information, contact our Legal Advice Helpline.

Composite Legal Expenses shortlisted in Law Society Excellence Awards 2017

Composite Legal Expenses is delighted to have been shortlisted as a finalist at this year’s Law Society Excellence Awards 2017 for Excellence in Business Development.

Composite launched its own in-house Legal Advice Centre in 2016 to provide essential legal advice services to policyholders and clients of some of the UK’s largest Insurers, Brokers and Affinity Groups. The team led by Head of Legal Advice Michael Jenkins has developed a client centric approach to providing legal advice resulting in the centre growing to handling 10,000 calls within its first year of operation.

The winners will be announced at a prestigious awards ceremony on Thursday 19 October at the Hilton Park Lane, London. We wish Michael and his team the very best of luck.

Tribunal Fee Decision

The Supreme Court has today ruled that Employment Tribunal Fees are unlawful because they prevent access to justice and can be indirectly discriminatory.

While there is uncertainty about what will happen next, the almost certain rise in the number of Employment Tribunal Claims only serves to highlight the protection afforded by our Personal and Commercial Legal Expenses Insurance Policies.



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Office Opening

Celebrations of the new office opening at 18 Park Place, Cardiff can be seen below - a good evening had by all!

Composite & AmTrust colleagues celebrate the new office opening with a traditional ribbon cutting to mark the occasion.