Unpaid CCJ (County Court Judgment) 'rubber stamp' image

Third Party Debt Orders

Freezing a Debtor’s Bank Account to Recover Business Debts?

A Third Party Debt Order works by enabling the creditor to take money directly from money owed to the debtor, bypassing the debtor.

Using a Third Party Debt Order to collect payment on a County Court Judgment

A Third Party Debt Order (TPDO) can be a powerful tool for enforcing a CCJ, allowing you to freeze funds held in a debtor’s bank or building society account or money owed to the debtor by someone else.

What is a Third Party Debt Order?

A Third Party Debt Order is a court order that lets you recover money directly from a debtor’s bank account (or from a third party that owes money to the debtor). This method is especially useful when other enforcement methods – like High Court Enforcement – have failed, or when you know the debtor holds sufficient funds in their account.

How Does a Third Party Debt Order Work?

  1. Eligibility: You must have a County Court Judgment (CCJ) or High Court Judgment against the debtor.
  2. Application: We help you apply to the court for a TPDO, providing evidence of the debtor’s bank details and outstanding debt.
  3. Account Freeze: If granted, the court orders the debtor’s bank to freeze funds up to the value of the debt.
  4. Payment: Once the court confirms the order, funds are transferred from the debtor’s account to settle the judgment.

When is a Third Party Debt Order Effective?

  • When you know where the debtor banks and believe funds are available.
  • When other enforcement options (like bailiffs or High Court Enforcement Officers (HCEO)) have been unsuccessful.
  • For B2B debts where the debtor is refusing to pay or is ignoring correspondence.

Why Use DCS for Third Party Debt Orders?

  • SME Specialists: We work UK businesses to recover unpaid B2B debts.
  • Expert Advice: We assess your case to determine if a TPDO is the best option and guide you through every step.
  • Transparent Fees: Clear, upfront costs with no hidden charges.
  • Proven Results: Decades of experience in business debt recovery and enforcement.

Need Help Enforcing a CCJ or Judgment Debt?

If you’re considering a Third Party Debt Order or want to discuss the best enforcement strategy for your business, contact our Bristol-based team for practical, straightforward advice:

Let DCS help you recover what your business is owed – quickly and professionally.

Further information on the Third Party Debt Order process is available from HM Courts and Tribunals Service (HMCTS) in their leaflet EX325.

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