Unpaid personal loans

Who this page is for

Useful starting material may include bank transfer records, messages, a repayment plan or a timeline of conversations. The absence of a formal document does not by itself resolve the legal position; seek legal advice if you need to understand your rights.

One independent process

The person making the enquiry does not become a represented client. Where suitable, Private Resolve invites both parties to take part in one independent, voluntary discussion. Private Resolve does not act for either side, and the process only proceeds if both are willing and the scope is agreed in advance.

What the first review considers

We look at the nature of the debt, the parties, the evidence, any dispute, prior contact, urgency and the role requested. Any offer of service must be confirmed in writing before another party is contacted.

• We explain the process to both sides and invite voluntary participation where suitable
• We do not act for either party or contact anyone before the scope and process are agreed
• No payment or settlement is guaranteed

Scope and limits

These pages describe pre-legal negotiation only. They do not offer a general debt collection, debt tracing, debt administration or enforcement service. Whether an activity requires authorisation depends on the facts and role. Private Resolve does not claim authorisation or an exemption here; work outside a confirmed permitted scope will not be undertaken. No recovery is guaranteed.

Possible next steps

If suitable, the next step may be an agreed negotiation plan, a voluntary repayment proposal or a referral to independent legal advice. If court action or a deadline is already active, speak to a solicitor promptly.