So what documents have to be sent to the debtor under the Protocol
Your letter before claim has to set out your claim and the reason that you are making it. You will need to enclose with your letter, a copy of the agreement that you made with your debtor or if there was no written agreement, as much detail as possible about what was agreed. Copy invoices and details of any interest and compensation that you are claiming and how you have calculated these costs. You also need to enclose a copy of your contractual terms and conditions, a reply form, an information sheet telling your debtor how to complete the reply form and a list of local debt counselling companies, with addresses, telephone numbers and email addresses who they can approach for advice on the debt and an income and expenditure sheet that they should complete if they want to make a proposal to pay by instalments.
Once you send your letter before claim to the debtor, you then need to give them 30 days to respond and it is suggested that you wait a further few days after this deadline, in case the debtor replied to you on the 30th day. If your debtor replies and asks you for more information, you must then wait a further 30 days from the date that you send the information to them. If your debtor then states that they need to take legal advice about the debt, then you need to give them a reasonable amount of time to do that (say 14 days) so it can now take up to 74 days before you would be in a position to issue a claim at Court.
In between this time, you may have to deal with third parties, such as debt counselling companies or solicitors who are acting for the debtor and this can all take extra time and money to administer.