Do you have a CCJ against a debtor who still refuses to pay? A Third Party Debt Order could be the solution! Read on to learn about a TPDO and how we can use the process to get your money back without impacting your cash-flow.

What is a Third Party Debt Order?

A Third Party Debt Order or TPDO is a one of a range of enforcement options you have against debtors who are in breach of a County Court Judgement ordering them to pay your balance.

A Third Party Debt Order is most often use to ‘Ring Fence’ a debtors bank account. The account the Third Party Debt Order is taken out against is suspended – the debtor cannot access or withdraw any funds contained within without the express permission of the court. A further hearing is then held to determine how to ultimately resolve the debt.

What rights does a debtor have?

A debtor can dispute a Third Party Debt Order up to 3 days prior to the court hearing. Should a debtor dispute the TPDO, they will have to attend the court hearing and a judge will make the decision as to whether to proceed with the Third Party Debt Order.

While the account is frozen, a debtor can still request withdrawals with permission from the court – For example, if they can demonstrate to a judges satisfaction that the freezing of an account will directly cause hardship to third party, such as a child.

When is a Third Party Debt Order appropriate?

When a debtor has sufficient assets to clear the debt within a bank account, and is providing no legitimate legal reason for withholding payment. A TPDO ensures that the funds to pay you are secured and that you will recover the full amount as dictated by the court.

How can Picaddily Debt Collectors recover my money with a Third Party Debt Order?

We identify cases that a TPDO is appropriate as part of our standard debtor profile at the start of the case. Depending on the case, we may discuss the repercussions of such an order with your debtor first, or we may escalate straight to the proceedings. No matter how we proceed, every case is covered by our No-win, No-fee commitment!

To learn more about how we can recover your funds, please visit our FAQ or contact us, or if you’d like us to start getting your unpaid credit paid, you can submit a debt online.