{"lejson":"[\n  {\n    \"id\": \"a1b555e4-5d8c-4dfb-a3c4-91fd7375ed43\",\n    \"order\": 1,\n    \"text\": \"<span id='908c5fdc-02fb-4e97-83af-ac57bc4ff35d'>[Name of the creditor]</span><br><span id='051975d7-5e43-4064-b886-3c559b519ed1'>[Address of the creditor]</span><br><span id='189b6949-03fa-4a39-a69e-75e2a1f0742f'>[Telephone and email]</span>\",\n    \"fontSize\": \"14\",\n    \"textAlign\": \"right-align\",\n    \"bold\": false,\n    \"underline\": false,\n    \"marginBottom\": \"20\",\n    \"cflou\": false,\n    \"active\": true\n  },\n  {\n    \"id\": \"9acd4798-a195-4ac7-a1c9-c67699db96b2\",\n    \"order\": 2,\n    \"text\": \"<span id='f8c94468-f485-4263-ac16-bf9dc5e47dc4'>[Name of the debtor]</span><br><span id='351f87e2-ef24-4368-953d-9f9da05309bb'>[Address of the debtor]</span>\",\n    \"fontSize\": \"14\",\n    \"textAlign\": \"left\",\n    \"bold\": false,\n    \"underline\": false,\n    \"marginBottom\": \"20\",\n    \"cflou\": false,\n    \"active\": true\n  },\n  {\n    \"id\": \"70be8f97-720e-4f74-9a79-66fe008a5351\",\n    \"order\": 3,\n    \"text\": \"Date: <span id='6d19e2a8-4621-42bc-b0ad-563618f69f0b'>[Date of the letter]</span>\",\n    \"fontSize\": \"14\",\n    \"textAlign\": \"left\",\n    \"bold\": true,\n    \"underline\": false,\n    \"marginBottom\": \"5\",\n    \"cflou\": false,\n    \"active\": true\n  },\n  {\n    \"id\": \"8158a771-c168-4554-8078-495508a3a728\",\n    \"order\": 4,\n    \"text\": \"Our reference: <span id='5a02cdf6-6172-4407-8bb8-f9ffc0684ae0'>[Reference]</span>\",\n    \"fontSize\": \"14\",\n    \"textAlign\": \"left\",\n    \"bold\": false,\n    \"underline\": false,\n    \"marginBottom\": \"5\",\n    \"cflou\": false,\n    \"active\": true,\n    \"displayConditions\": [\n      {\n        \"field\": \"1026f9a3-9490-4949-a877-c4d1811bc1e5\",\n        \"value\": \"protocol\",\n        \"type\": \"add\",\n        \"operator\": \"=\"\n      },\n      {\n        \"field\": \"1026f9a3-9490-4949-a877-c4d1811bc1e5\",\n        \"value\": \"b2b\",\n        \"type\": \"add\",\n        \"operator\": \"=\"\n      }\n    ]\n  },\n  {\n    \"id\": \"1f124f6f-34d0-4f92-aded-a38c5debf395\",\n    \"order\": 5,\n    \"text\": \"My reference: <span id='f1d4f59c-e516-46b6-9237-3440ca601341'>[Reference]</span>\",\n    \"fontSize\": \"14\",\n    \"textAlign\": \"left\",\n    \"bold\": false,\n    \"underline\": false,\n    \"marginBottom\": \"5\",\n    \"cflou\": false,\n    \"active\": true,\n    \"displayConditions\": [\n      {\n        \"field\": \"1026f9a3-9490-4949-a877-c4d1811bc1e5\",\n        \"value\": \"private\",\n        \"type\": \"add\",\n        \"operator\": \"=\"\n      }\n    ]\n  },\n  {\n    \"id\": \"66702f4d-f13f-4f2d-b21d-0c44e7115f29\",\n    \"order\": 6,\n    \"text\": \"By post\",\n    \"fontSize\": \"14\",\n    \"textAlign\": \"left\",\n    \"bold\": false,\n    \"underline\": false,\n    \"marginBottom\": \"20\",\n    \"cflou\": false,\n    \"active\": true,\n    \"displayConditions\": [\n      {\n        \"field\": \"a23371e6-21e4-4c44-9bad-f5d5afbb8823\",\n        \"value\": \"post\",\n        \"type\": \"add\",\n        \"operator\": \"=\"\n      }\n    ]\n  },\n  {\n    \"id\": \"41f82689-694b-4fa6-8418-cc37731ffec2\",\n    \"order\": 7,\n    \"text\": \"By post and by email to <span id='ee9b0c6e-d0f0-44ea-94f2-c04d22ce12e8'>[Debtor's email address]</span>\",\n    \"fontSize\": \"14\",\n    \"textAlign\": \"left\",\n    \"bold\": false,\n    \"underline\": false,\n    \"marginBottom\": \"20\",\n    \"cflou\": false,\n    \"active\": true,\n    \"displayConditions\": [\n      {\n        \"field\": \"a23371e6-21e4-4c44-9bad-f5d5afbb8823\",\n        \"value\": \"both\",\n        \"type\": \"add\",\n        \"operator\": \"=\"\n      }\n    ]\n  },\n  {\n    \"id\": \"a727dcc8-69df-4d88-8d2a-0715b1e220e4\",\n    \"order\": 8,\n    \"text\": \"By email to <span id='d0013a99-24bc-440e-8faf-2b2e6a0e7dce'>[Debtor's email address]</span>, as you have asked\",\n    \"fontSize\": \"14\",\n    \"textAlign\": \"left\",\n    \"bold\": false,\n    \"underline\": false,\n    \"marginBottom\": \"20\",\n    \"cflou\": false,\n    \"active\": true,\n    \"displayConditions\": [\n      {\n        \"field\": \"a23371e6-21e4-4c44-9bad-f5d5afbb8823\",\n        \"value\": \"email\",\n        \"type\": \"add\",\n        \"operator\": \"=\"\n      }\n    ]\n  },\n  {\n    \"id\": \"1688411e-5b3c-45cc-a36e-a406ba500d01\",\n    \"order\": 9,\n    \"text\": \"LETTER OF CLAIM: UNPAID DEBT OF <span id='b95ec954-92c8-4902-ba74-4ec68490129a'>[Balance due]</span>\",\n    \"fontSize\": \"16\",\n    \"textAlign\": \"left\",\n    \"bold\": true,\n    \"underline\": false,\n    \"marginBottom\": \"5\",\n    \"cflou\": false,\n    \"active\": true,\n    \"displayConditions\": [\n      {\n        \"field\": \"1026f9a3-9490-4949-a877-c4d1811bc1e5\",\n        \"value\": \"protocol\",\n        \"type\": \"add\",\n        \"operator\": \"=\"\n      }\n    ]\n  },\n  {\n    \"id\": \"e759e177-8a53-4c0b-a293-d7e85685daa0\",\n    \"order\": 10,\n    \"text\": \"Sent under the Pre-Action Protocol for Debt Claims\",\n    \"fontSize\": \"14\",\n    \"textAlign\": \"left\",\n    \"bold\": false,\n    \"underline\": false,\n    \"marginBottom\": \"20\",\n    \"cflou\": false,\n    \"active\": true,\n    \"displayConditions\": [\n      {\n        \"field\": \"1026f9a3-9490-4949-a877-c4d1811bc1e5\",\n        \"value\": \"protocol\",\n        \"type\": \"add\",\n        \"operator\": \"=\"\n      }\n    ]\n  },\n  {\n    \"id\": \"a621e4a5-5ee9-4eb9-b87e-2ca47f9eef23\",\n    \"order\": 11,\n    \"text\": \"LETTER BEFORE CLAIM: UNPAID DEBT OF <span id='b15669c1-782d-42c5-982b-86a58d5efd0d'>[Balance due]</span>\",\n    \"fontSize\": \"16\",\n    \"textAlign\": \"left\",\n    \"bold\": true,\n    \"underline\": false,\n    \"marginBottom\": \"5\",\n    \"cflou\": false,\n    \"active\": true,\n    \"displayConditions\": [\n      {\n        \"field\": \"1026f9a3-9490-4949-a877-c4d1811bc1e5\",\n        \"value\": \"b2b\",\n        \"type\": \"add\",\n        \"operator\": \"=\"\n      },\n      {\n        \"field\": \"1026f9a3-9490-4949-a877-c4d1811bc1e5\",\n        \"value\": \"private\",\n        \"type\": \"add\",\n        \"operator\": \"=\"\n      }\n    ]\n  },\n  {\n    \"id\": \"abe7c407-4e34-4c82-b1cd-e1a357d0f7b4\",\n    \"order\": 12,\n    \"text\": \"Sent under the Practice Direction – Pre-Action Conduct and Protocols\",\n    \"fontSize\": \"14\",\n    \"textAlign\": \"left\",\n    \"bold\": false,\n    \"underline\": false,\n    \"marginBottom\": \"20\",\n    \"cflou\": false,\n    \"active\": true,\n    \"displayConditions\": [\n      {\n        \"field\": \"1026f9a3-9490-4949-a877-c4d1811bc1e5\",\n        \"value\": \"b2b\",\n        \"type\": \"add\",\n        \"operator\": \"=\"\n      },\n      {\n        \"field\": \"1026f9a3-9490-4949-a877-c4d1811bc1e5\",\n        \"value\": \"private\",\n        \"type\": \"add\",\n        \"operator\": \"=\"\n      }\n    ]\n  },\n  {\n    \"id\": \"dc466038-07d7-46af-a1e7-9e7db053e740\",\n    \"order\": 13,\n    \"text\": \"Dear <span id='7b70a139-cc5d-4296-9efd-8b3fe10320e6'>[Name of the addressee]</span>,\",\n    \"fontSize\": \"14\",\n    \"textAlign\": \"left\",\n    \"bold\": false,\n    \"underline\": false,\n    \"marginBottom\": \"10\",\n    \"cflou\": false,\n    \"active\": true,\n    \"displayConditions\": [\n      {\n        \"field\": \"39ff7714-d8c5-4ed8-8e39-1676ec432aad\",\n        \"value\": \"named\",\n        \"type\": \"add\",\n        \"operator\": \"=\"\n      }\n    ]\n  },\n  {\n    \"id\": \"2af13055-9a10-42c0-a462-ff29ef0da958\",\n    \"order\": 14,\n    \"text\": \"Dear Sir or Madam,\",\n    \"fontSize\": \"14\",\n    \"textAlign\": \"left\",\n    \"bold\": false,\n    \"underline\": false,\n    \"marginBottom\": \"10\",\n    \"cflou\": false,\n    \"active\": true,\n    \"displayConditions\": [\n      {\n        \"field\": \"39ff7714-d8c5-4ed8-8e39-1676ec432aad\",\n        \"value\": \"sir\",\n        \"type\": \"add\",\n        \"operator\": \"=\"\n      }\n    ]\n  },\n  {\n    \"id\": \"ffe7be7d-8ed8-4de0-9c92-316ab11a0102\",\n    \"order\": 15,\n    \"text\": \"We write about the sum of <span id='a68eae3a-c579-40e5-9ec5-74db4842d22c'>[Balance due]</span>, which you owe us and which remains unpaid although it has fallen due. This letter is sent before any court proceedings are started, to give you the opportunity to pay, or to tell us why you dispute the debt, without going to court.\",\n    \"fontSize\": \"14\",\n    \"textAlign\": \"left\",\n    \"bold\": false,\n    \"underline\": false,\n    \"marginBottom\": \"10\",\n    \"cflou\": false,\n    \"active\": true,\n    \"displayConditions\": [\n      {\n        \"field\": \"1026f9a3-9490-4949-a877-c4d1811bc1e5\",\n        \"value\": \"protocol\",\n        \"type\": \"add\",\n        \"operator\": \"=\"\n      },\n      {\n        \"field\": \"1026f9a3-9490-4949-a877-c4d1811bc1e5\",\n        \"value\": \"b2b\",\n        \"type\": \"add\",\n        \"operator\": \"=\"\n      }\n    ]\n  },\n  {\n    \"id\": \"a11d4165-98ae-477f-a217-aac2141b186b\",\n    \"order\": 16,\n    \"text\": \"I write about the sum of <span id='e7a7873f-a2a8-44ad-a851-5f0d728ef695'>[Balance due]</span>, which you owe me and which remains unpaid although it has fallen due. This letter is sent before any court proceedings are started, to give you the opportunity to pay, or to tell me why you dispute the debt, without going to court.\",\n    \"fontSize\": \"14\",\n    \"textAlign\": \"left\",\n    \"bold\": false,\n    \"underline\": false,\n    \"marginBottom\": \"10\",\n    \"cflou\": false,\n    \"active\": true,\n    \"displayConditions\": [\n      {\n        \"field\": \"1026f9a3-9490-4949-a877-c4d1811bc1e5\",\n        \"value\": \"private\",\n        \"type\": \"add\",\n        \"operator\": \"=\"\n      }\n    ]\n  },\n  {\n    \"id\": \"64bbc08f-e979-43af-8f46-b779f0e95569\",\n    \"order\": 17,\n    \"text\": \"It is sent in accordance with the Pre-Action Protocol for Debt Claims, which applies when a business claims payment of a debt from an individual, including a sole trader. Please read this letter and the enclosed documents carefully.\",\n    \"fontSize\": \"14\",\n    \"textAlign\": \"left\",\n    \"bold\": false,\n    \"underline\": false,\n    \"marginBottom\": \"10\",\n    \"cflou\": false,\n    \"active\": true,\n    \"displayConditions\": [\n      {\n        \"field\": \"1026f9a3-9490-4949-a877-c4d1811bc1e5\",\n        \"value\": \"protocol\",\n        \"type\": \"add\",\n        \"operator\": \"=\"\n      }\n    ]\n  },\n  {\n    \"id\": \"ae95e1de-2760-429f-8e92-b3627d204960\",\n    \"order\": 18,\n    \"text\": \"It is sent in accordance with the Practice Direction – Pre-Action Conduct and Protocols, which supplements the Civil Procedure Rules of England and Wales.\",\n    \"fontSize\": \"14\",\n    \"textAlign\": \"left\",\n    \"bold\": false,\n    \"underline\": false,\n    \"marginBottom\": \"10\",\n    \"cflou\": false,\n    \"active\": true,\n    \"displayConditions\": [\n      {\n        \"field\": \"1026f9a3-9490-4949-a877-c4d1811bc1e5\",\n        \"value\": \"b2b\",\n        \"type\": \"add\",\n        \"operator\": \"=\"\n      },\n      {\n        \"field\": \"1026f9a3-9490-4949-a877-c4d1811bc1e5\",\n        \"value\": \"private\",\n        \"type\": \"add\",\n        \"operator\": \"=\"\n      }\n    ]\n  },\n  {\n    \"id\": \"62d90d7d-a333-48bf-9a72-9ec1d1a9eec0\",\n    \"order\": 19,\n    \"text\": \"The agreement\",\n    \"fontSize\": \"14\",\n    \"textAlign\": \"left\",\n    \"bold\": true,\n    \"underline\": false,\n    \"marginBottom\": \"5\",\n    \"cflou\": false,\n    \"active\": true,\n    \"marginTop\": \"10\"\n  },\n  {\n    \"id\": \"66c5fcb0-9673-448f-8abc-255d91631d93\",\n    \"order\": 20,\n    \"text\": \"The debt arises under a written agreement dated <span id='c0d1ba4d-b235-4489-8c61-d0aa19eb2074'>[Date of the agreement]</span> between <span id='82e96d4e-80a8-4512-86fa-21cf57960c17'>[Name of the creditor]</span> and <span id='a9f21fb7-2e45-4ac5-a840-ebbdd76d240e'>[Name of the debtor]</span> for <span id='41ad6352-7f7b-445f-9725-e9bf824dcd16'>[What was agreed]</span>. You may ask for a copy of the agreement at any time.\",\n    \"fontSize\": \"14\",\n    \"textAlign\": \"left\",\n    \"bold\": false,\n    \"underline\": false,\n    \"marginBottom\": \"10\",\n    \"cflou\": false,\n    \"active\": true,\n    \"displayConditions\": [\n      {\n        \"field\": \"5789e999-4f9d-4274-ac0a-4ebf9c96b587\",\n        \"value\": \"written\",\n        \"type\": \"add\",\n        \"operator\": \"=\"\n      }\n    ]\n  },\n  {\n    \"id\": \"30eb8fe5-0593-4c3a-9d40-7868f11783fd\",\n    \"order\": 21,\n    \"text\": \"The debt arises under an agreement made orally, not in writing, for <span id='257b8d0e-015d-492a-b57f-55504f5581ad'>[What was agreed]</span>. Details of the agreement (who made it, what was agreed, and when and where): <span id='1b8256b8-9742-4727-9025-3a18f964f0ee'>[Details of the oral agreement]</span>\",\n    \"fontSize\": \"14\",\n    \"textAlign\": \"left\",\n    \"bold\": false,\n    \"underline\": false,\n    \"marginBottom\": \"10\",\n    \"cflou\": false,\n    \"active\": true,\n    \"displayConditions\": [\n      {\n        \"field\": \"5789e999-4f9d-4274-ac0a-4ebf9c96b587\",\n        \"value\": \"oral\",\n        \"type\": \"add\",\n        \"operator\": \"=\"\n      }\n    ]\n  },\n  {\n    \"id\": \"801027c3-1f02-4559-ba23-aba19e56b1ca\",\n    \"order\": 22,\n    \"text\": \"The amount due\",\n    \"fontSize\": \"14\",\n    \"textAlign\": \"left\",\n    \"bold\": true,\n    \"underline\": false,\n    \"marginBottom\": \"5\",\n    \"cflou\": false,\n    \"active\": true,\n    \"marginTop\": \"10\"\n  },\n  {\n    \"id\": \"ce4c869c-3d7d-49b2-bd54-36fe715f238a\",\n    \"order\": 23,\n    \"text\": \"The balance now due, excluding interest, is <span id='2eebb668-20cb-460e-a2be-ba2adaeaf953'>[Balance due]</span>. It is calculated from the following sums:\",\n    \"fontSize\": \"14\",\n    \"textAlign\": \"left\",\n    \"bold\": false,\n    \"underline\": false,\n    \"marginBottom\": \"5\",\n    \"cflou\": false,\n    \"active\": true\n  },\n  {\n    \"id\": \"2b36c186-bb6b-4101-92b9-8b378591aca7\",\n    \"order\": 24,\n    \"text\": \"<span id='0b8b0654-3063-4103-aa4b-cb972b21946d'>[Breakdown of the balance]</span>\",\n    \"fontSize\": \"14\",\n    \"textAlign\": \"left\",\n    \"bold\": false,\n    \"underline\": false,\n    \"marginBottom\": \"10\",\n    \"cflou\": false,\n    \"active\": true\n  },\n  {\n    \"id\": \"ddcd4799-0ac7-4a2c-bf19-a73e7ac01db7\",\n    \"order\": 25,\n    \"text\": \"Less payments received so far: <span id='c32b1d1b-a098-434e-8957-d644ff19b127'>[Payments received]</span>.\",\n    \"fontSize\": \"14\",\n    \"textAlign\": \"left\",\n    \"bold\": false,\n    \"underline\": false,\n    \"marginBottom\": \"10\",\n    \"cflou\": false,\n    \"active\": true\n  },\n  {\n    \"id\": \"04e27a0e-7433-4a12-bff5-dd4ba97c1f08\",\n    \"order\": 26,\n    \"text\": \"An up-to-date statement of account is enclosed, showing the sums due, the payments received and any interest and other charges added.\",\n    \"fontSize\": \"14\",\n    \"textAlign\": \"left\",\n    \"bold\": false,\n    \"underline\": false,\n    \"marginBottom\": \"10\",\n    \"cflou\": false,\n    \"active\": true,\n    \"displayConditions\": [\n      {\n        \"field\": \"1026f9a3-9490-4949-a877-c4d1811bc1e5\",\n        \"value\": \"protocol\",\n        \"type\": \"add\",\n        \"operator\": \"=\"\n      }\n    ]\n  },\n  {\n    \"id\": \"373f5228-4006-4faa-8a44-aec243ace18a\",\n    \"order\": 27,\n    \"text\": \"Interest\",\n    \"fontSize\": \"14\",\n    \"textAlign\": \"left\",\n    \"bold\": true,\n    \"underline\": false,\n    \"marginBottom\": \"5\",\n    \"cflou\": false,\n    \"active\": true,\n    \"marginTop\": \"10\"\n  },\n  {\n    \"id\": \"159eec6a-d360-4213-bc4d-48654d3eb337\",\n    \"order\": 28,\n    \"text\": \"We have not added interest or any other charge to the balance, and no interest or other charges are being added at present. If court proceedings become necessary, we reserve the right to claim interest for the period since each sum fell due, either simple interest under section&nbsp;69 of the County Courts Act 1984, at such rate as the court thinks fit, or any interest to which we are entitled under the agreement or by statute.\",\n    \"fontSize\": \"14\",\n    \"textAlign\": \"left\",\n    \"bold\": false,\n    \"underline\": false,\n    \"marginBottom\": \"10\",\n    \"cflou\": false,\n    \"active\": true,\n    \"displayConditions\": [\n      {\n        \"field\": \"2825dcca-67e1-4db1-8e17-3bcc6f094a1f\",\n        \"value\": \"none\",\n        \"type\": \"add\",\n        \"operator\": \"=\"\n      },\n      {\n        \"field\": \"1026f9a3-9490-4949-a877-c4d1811bc1e5\",\n        \"value\": \"private\",\n        \"type\": \"remove\",\n        \"operator\": \"=\"\n      }\n    ]\n  },\n  {\n    \"id\": \"0e852bbe-0679-4a96-9199-b4678fbf6764\",\n    \"order\": 29,\n    \"text\": \"I have not added interest or any other charge to the balance, and no interest or other charges are being added at present. If court proceedings become necessary, I reserve the right to ask the court to award simple interest under section&nbsp;69 of the County Courts Act 1984, at such rate as the court thinks fit, from the date on which each sum fell due.\",\n    \"fontSize\": \"14\",\n    \"textAlign\": \"left\",\n    \"bold\": false,\n    \"underline\": false,\n    \"marginBottom\": \"10\",\n    \"cflou\": false,\n    \"active\": true,\n    \"displayConditions\": [\n      {\n        \"field\": \"2825dcca-67e1-4db1-8e17-3bcc6f094a1f\",\n        \"value\": \"none\",\n        \"type\": \"add\",\n        \"operator\": \"=\"\n      },\n      {\n        \"field\": \"1026f9a3-9490-4949-a877-c4d1811bc1e5\",\n        \"value\": \"protocol\",\n        \"type\": \"remove\",\n        \"operator\": \"=\"\n      },\n      {\n        \"field\": \"1026f9a3-9490-4949-a877-c4d1811bc1e5\",\n        \"value\": \"b2b\",\n        \"type\": \"remove\",\n        \"operator\": \"=\"\n      }\n    ]\n  },\n  {\n    \"id\": \"1f7de684-28ec-4318-aee9-15411d4a4305\",\n    \"order\": 30,\n    \"text\": \"I have not added interest or any other charge to the balance, and no interest or other charges are being added at present. If court proceedings become necessary, I reserve the right to ask the court to award simple interest under section&nbsp;69 of the County Courts Act 1984, at such rate as the court thinks fit, from the date on which each sum fell due.\",\n    \"fontSize\": \"14\",\n    \"textAlign\": \"left\",\n    \"bold\": false,\n    \"underline\": false,\n    \"marginBottom\": \"10\",\n    \"cflou\": false,\n    \"active\": true,\n    \"displayConditions\": [\n      {\n        \"field\": \"2825dcca-67e1-4db1-8e17-3bcc6f094a1f\",\n        \"value\": \"lpa\",\n        \"type\": \"add\",\n        \"operator\": \"=\"\n      },\n      {\n        \"field\": \"1026f9a3-9490-4949-a877-c4d1811bc1e5\",\n        \"value\": \"protocol\",\n        \"type\": \"remove\",\n        \"operator\": \"=\"\n      },\n      {\n        \"field\": \"1026f9a3-9490-4949-a877-c4d1811bc1e5\",\n        \"value\": \"b2b\",\n        \"type\": \"remove\",\n        \"operator\": \"=\"\n      }\n    ]\n  },\n  {\n    \"id\": \"8fcd43c1-7027-42ba-95d5-1ec15a4d6ea5\",\n    \"order\": 31,\n    \"text\": \"Under the agreement, interest is payable on overdue sums at <span id='c1a33c64-61c8-4df6-b7ca-4fefcdf3cc4a'>[Contractual interest rate]</span>. Interest of <span id='d181a7ad-9b08-484f-8ee6-c31ea25edd99'>[Contractual interest accrued]</span> has accrued up to the date of this letter, and interest continues to accrue at that rate until payment. We will claim it in addition to the balance.\",\n    \"fontSize\": \"14\",\n    \"textAlign\": \"left\",\n    \"bold\": false,\n    \"underline\": false,\n    \"marginBottom\": \"10\",\n    \"cflou\": false,\n    \"active\": true,\n    \"displayConditions\": [\n      {\n        \"field\": \"2825dcca-67e1-4db1-8e17-3bcc6f094a1f\",\n        \"value\": \"contract\",\n        \"type\": \"add\",\n        \"operator\": \"=\"\n      },\n      {\n        \"field\": \"1026f9a3-9490-4949-a877-c4d1811bc1e5\",\n        \"value\": \"private\",\n        \"type\": \"remove\",\n        \"operator\": \"=\"\n      }\n    ]\n  },\n  {\n    \"id\": \"5cf64f08-0e65-4cc1-a43a-4e2d03b57d81\",\n    \"order\": 32,\n    \"text\": \"Under the agreement, interest is payable on overdue sums at <span id='d00cf1d7-50cb-490a-bab6-2c679d74b626'>[Contractual interest rate]</span>. Interest of <span id='df97cb0a-a618-4b89-8156-eca5e3ae5219'>[Contractual interest accrued]</span> has accrued up to the date of this letter, and interest continues to accrue at that rate until payment. I will claim it in addition to the balance.\",\n    \"fontSize\": \"14\",\n    \"textAlign\": \"left\",\n    \"bold\": false,\n    \"underline\": false,\n    \"marginBottom\": \"10\",\n    \"cflou\": false,\n    \"active\": true,\n    \"displayConditions\": [\n      {\n        \"field\": \"2825dcca-67e1-4db1-8e17-3bcc6f094a1f\",\n        \"value\": \"contract\",\n        \"type\": \"add\",\n        \"operator\": \"=\"\n      },\n      {\n        \"field\": \"1026f9a3-9490-4949-a877-c4d1811bc1e5\",\n        \"value\": \"protocol\",\n        \"type\": \"remove\",\n        \"operator\": \"=\"\n      },\n      {\n        \"field\": \"1026f9a3-9490-4949-a877-c4d1811bc1e5\",\n        \"value\": \"b2b\",\n        \"type\": \"remove\",\n        \"operator\": \"=\"\n      }\n    ]\n  },\n  {\n    \"id\": \"95c5ecf1-7743-4e92-bc25-2d54f0a2e54e\",\n    \"order\": 33,\n    \"text\": \"The agreement is a contract for the supply of goods or services made between us and you, each acting in the course of a business. Under the Late Payment of Commercial Debts (Interest) Act 1998, the debt therefore carries simple statutory interest at 8% a year above the Bank of England base rate in force on the relevant reference date, that is <span id='bb4f9d94-4feb-471c-970b-4755ac55f028'>[Statutory interest rate]</span>, from the day after each sum fell due. Statutory interest of <span id='314c811b-50dc-487f-a71b-3bc9cc60935c'>[Statutory interest accrued]</span> has accrued up to the date of this letter and continues to accrue daily until payment.\",\n    \"fontSize\": \"14\",\n    \"textAlign\": \"left\",\n    \"bold\": false,\n    \"underline\": false,\n    \"marginBottom\": \"10\",\n    \"cflou\": false,\n    \"active\": true,\n    \"displayConditions\": [\n      {\n        \"field\": \"2825dcca-67e1-4db1-8e17-3bcc6f094a1f\",\n        \"value\": \"lpa\",\n        \"type\": \"add\",\n        \"operator\": \"=\"\n      },\n      {\n        \"field\": \"1026f9a3-9490-4949-a877-c4d1811bc1e5\",\n        \"value\": \"private\",\n        \"type\": \"remove\",\n        \"operator\": \"=\"\n      }\n    ]\n  },\n  {\n    \"id\": \"e55849fd-f360-4cf8-987b-5a7bf3233c3c\",\n    \"order\": 34,\n    \"text\": \"Under section&nbsp;5A of that Act, we also claim fixed compensation of <span id='9724ae8a-3c45-44a1-9271-3ca7e0979a2e'>[Fixed compensation]</span>. We reserve the right to claim our reasonable costs of recovering the debt to the extent that they exceed that fixed sum.\",\n    \"fontSize\": \"14\",\n    \"textAlign\": \"left\",\n    \"bold\": false,\n    \"underline\": false,\n    \"marginBottom\": \"10\",\n    \"cflou\": false,\n    \"active\": true,\n    \"displayConditions\": [\n      {\n        \"field\": \"2825dcca-67e1-4db1-8e17-3bcc6f094a1f\",\n        \"value\": \"lpa\",\n        \"type\": \"add\",\n        \"operator\": \"=\"\n      },\n      {\n        \"field\": \"1026f9a3-9490-4949-a877-c4d1811bc1e5\",\n        \"value\": \"private\",\n        \"type\": \"remove\",\n        \"operator\": \"=\"\n      }\n    ]\n  },\n  {\n    \"id\": \"7d23db5a-d9a8-4b87-8bfb-c15645ce5f2f\",\n    \"order\": 35,\n    \"text\": \"We have considered the payments by instalments offered or made so far. <span id='32947b5b-edd9-4896-be5d-79177482e28c'>[Instalments offered and why they are not acceptable]</span> For these reasons the present arrangement is not acceptable and a court claim is still being considered, although we remain willing to consider a realistic proposal supported by information about your income and outgoings.\",\n    \"fontSize\": \"14\",\n    \"textAlign\": \"left\",\n    \"bold\": false,\n    \"underline\": false,\n    \"marginBottom\": \"10\",\n    \"cflou\": false,\n    \"active\": true,\n    \"displayConditions\": [\n      {\n        \"field\": \"f47d45c4-b758-4b87-9756-b5dcb0d8f68b\",\n        \"value\": \"yes\",\n        \"type\": \"add\",\n        \"operator\": \"=\"\n      },\n      {\n        \"field\": \"1026f9a3-9490-4949-a877-c4d1811bc1e5\",\n        \"value\": \"b2b\",\n        \"type\": \"remove\",\n        \"operator\": \"=\"\n      },\n      {\n        \"field\": \"1026f9a3-9490-4949-a877-c4d1811bc1e5\",\n        \"value\": \"private\",\n        \"type\": \"remove\",\n        \"operator\": \"=\"\n      }\n    ]\n  },\n  {\n    \"id\": \"c52d5f59-5332-4fa2-95f9-17f5ee3cd0a7\",\n    \"order\": 36,\n    \"text\": \"We have considered the payments by instalments offered or made so far. <span id='825e1b4e-2fc7-46e0-bcd6-0b4942d8682d'>[Instalments offered and why they are not acceptable]</span> For these reasons the present arrangement is not acceptable and a court claim is still being considered, although we remain willing to consider a realistic proposal supported by information about your financial position.\",\n    \"fontSize\": \"14\",\n    \"textAlign\": \"left\",\n    \"bold\": false,\n    \"underline\": false,\n    \"marginBottom\": \"10\",\n    \"cflou\": false,\n    \"active\": true,\n    \"displayConditions\": [\n      {\n        \"field\": \"f47d45c4-b758-4b87-9756-b5dcb0d8f68b\",\n        \"value\": \"yes\",\n        \"type\": \"add\",\n        \"operator\": \"=\"\n      },\n      {\n        \"field\": \"1026f9a3-9490-4949-a877-c4d1811bc1e5\",\n        \"value\": \"protocol\",\n        \"type\": \"remove\",\n        \"operator\": \"=\"\n      },\n      {\n        \"field\": \"1026f9a3-9490-4949-a877-c4d1811bc1e5\",\n        \"value\": \"private\",\n        \"type\": \"remove\",\n        \"operator\": \"=\"\n      }\n    ]\n  },\n  {\n    \"id\": \"fc6dcaad-0080-4b23-909f-f24a11ced697\",\n    \"order\": 37,\n    \"text\": \"I have considered the payments by instalments offered or made so far. <span id='ef878235-d3be-4a56-ac6d-8ba75680eb7f'>[Instalments offered and why they are not acceptable]</span> For these reasons the present arrangement is not acceptable and a court claim is still being considered, although I remain willing to consider a realistic proposal supported by information about your financial position.\",\n    \"fontSize\": \"14\",\n    \"textAlign\": \"left\",\n    \"bold\": false,\n    \"underline\": false,\n    \"marginBottom\": \"10\",\n    \"cflou\": false,\n    \"active\": true,\n    \"displayConditions\": [\n      {\n        \"field\": \"f47d45c4-b758-4b87-9756-b5dcb0d8f68b\",\n        \"value\": \"yes\",\n        \"type\": \"add\",\n        \"operator\": \"=\"\n      },\n      {\n        \"field\": \"1026f9a3-9490-4949-a877-c4d1811bc1e5\",\n        \"value\": \"protocol\",\n        \"type\": \"remove\",\n        \"operator\": \"=\"\n      },\n      {\n        \"field\": \"1026f9a3-9490-4949-a877-c4d1811bc1e5\",\n        \"value\": \"b2b\",\n        \"type\": \"remove\",\n        \"operator\": \"=\"\n      }\n    ]\n  },\n  {\n    \"id\": \"c06f35e7-bfff-4bd5-826d-c1ce27b4e2d0\",\n    \"order\": 38,\n    \"text\": \"What you need to do\",\n    \"fontSize\": \"14\",\n    \"textAlign\": \"left\",\n    \"bold\": true,\n    \"underline\": false,\n    \"marginBottom\": \"5\",\n    \"cflou\": false,\n    \"active\": true,\n    \"marginTop\": \"10\"\n  },\n  {\n    \"id\": \"e210b161-43c6-44ca-82ac-963e2f733d89\",\n    \"order\": 39,\n    \"text\": \"Within 30 days of the date at the top of this letter, please either pay the full sum set out above or complete the enclosed Reply Form and return it to us at <span id='e6264b36-eb2d-46cb-abb6-1ef599421397'>[Address of the creditor]</span>. If you neither pay nor reply within that period, we may start court proceedings against you without further notice.\",\n    \"fontSize\": \"14\",\n    \"textAlign\": \"left\",\n    \"bold\": false,\n    \"underline\": false,\n    \"marginBottom\": \"10\",\n    \"cflou\": false,\n    \"active\": true,\n    \"displayConditions\": [\n      {\n        \"field\": \"1026f9a3-9490-4949-a877-c4d1811bc1e5\",\n        \"value\": \"protocol\",\n        \"type\": \"add\",\n        \"operator\": \"=\"\n      }\n    ]\n  },\n  {\n    \"id\": \"63caaee1-e2be-41d8-81a3-2abbd30ebaaa\",\n    \"order\": 40,\n    \"text\": \"If you agree that you owe the debt but cannot pay it in full now, please say so in the Reply Form and return the completed Financial Statement with it, so that we can consider an affordable plan for payment by instalments based on your income and outgoings. If we do not agree to your proposal, we will explain why in writing.\",\n    \"fontSize\": \"14\",\n    \"textAlign\": \"left\",\n    \"bold\": false,\n    \"underline\": false,\n    \"marginBottom\": \"10\",\n    \"cflou\": false,\n    \"active\": true,\n    \"displayConditions\": [\n      {\n        \"field\": \"1026f9a3-9490-4949-a877-c4d1811bc1e5\",\n        \"value\": \"protocol\",\n        \"type\": \"add\",\n        \"operator\": \"=\"\n      }\n    ]\n  },\n  {\n    \"id\": \"9573c732-366e-4edb-97c1-ee66439342de\",\n    \"order\": 41,\n    \"text\": \"If you are in financial difficulty, or unsure whether you owe this debt, we strongly recommend that you get free and independent debt advice, for example from Citizens Advice, National Debtline or StepChange Debt Charity, whose contact details are in the enclosed Information Sheet. If you tell us in the Reply Form that you are seeking debt advice, we will allow you a reasonable period to obtain it, and in any event we will not start court proceedings less than 30 days after receiving your completed Reply Form, or after providing any documents you request, whichever is later.\",\n    \"fontSize\": \"14\",\n    \"textAlign\": \"left\",\n    \"bold\": false,\n    \"underline\": false,\n    \"marginBottom\": \"10\",\n    \"cflou\": false,\n    \"active\": true,\n    \"displayConditions\": [\n      {\n        \"field\": \"1026f9a3-9490-4949-a877-c4d1811bc1e5\",\n        \"value\": \"protocol\",\n        \"type\": \"add\",\n        \"operator\": \"=\"\n      }\n    ]\n  },\n  {\n    \"id\": \"9f48a2f1-4244-4344-8054-06541bddc7ff\",\n    \"order\": 42,\n    \"text\": \"If you would like copies of any documents, including a copy of the agreement, please ask us. We will provide them, or explain why they are not available, within 30 days of receiving your request.\",\n    \"fontSize\": \"14\",\n    \"textAlign\": \"left\",\n    \"bold\": false,\n    \"underline\": false,\n    \"marginBottom\": \"10\",\n    \"cflou\": false,\n    \"active\": true,\n    \"displayConditions\": [\n      {\n        \"field\": \"1026f9a3-9490-4949-a877-c4d1811bc1e5\",\n        \"value\": \"protocol\",\n        \"type\": \"add\",\n        \"operator\": \"=\"\n      }\n    ]\n  },\n  {\n    \"id\": \"300040de-700f-4162-9d4b-ba8539ab766f\",\n    \"order\": 43,\n    \"text\": \"Please pay the full sum set out above within 14 days of the date of this letter.\",\n    \"fontSize\": \"14\",\n    \"textAlign\": \"left\",\n    \"bold\": false,\n    \"underline\": false,\n    \"marginBottom\": \"10\",\n    \"cflou\": false,\n    \"active\": true,\n    \"displayConditions\": [\n      {\n        \"field\": \"1026f9a3-9490-4949-a877-c4d1811bc1e5\",\n        \"value\": \"b2b\",\n        \"type\": \"add\",\n        \"operator\": \"=\"\n      },\n      {\n        \"field\": \"1026f9a3-9490-4949-a877-c4d1811bc1e5\",\n        \"value\": \"private\",\n        \"type\": \"add\",\n        \"operator\": \"=\"\n      }\n    ]\n  },\n  {\n    \"id\": \"87a2a964-e866-45db-b6f1-17b25d9d016a\",\n    \"order\": 44,\n    \"text\": \"If you dispute the claim in whole or in part, please reply in writing within the same 14 days. Your reply should say whether you accept the claim and, if not, which facts and which parts of the claim you dispute and why, and whether you intend to make a counterclaim, with details of it. Please also send us copies of the key documents on which you rely.\",\n    \"fontSize\": \"14\",\n    \"textAlign\": \"left\",\n    \"bold\": false,\n    \"underline\": false,\n    \"marginBottom\": \"10\",\n    \"cflou\": false,\n    \"active\": true,\n    \"displayConditions\": [\n      {\n        \"field\": \"1026f9a3-9490-4949-a877-c4d1811bc1e5\",\n        \"value\": \"b2b\",\n        \"type\": \"add\",\n        \"operator\": \"=\"\n      }\n    ]\n  },\n  {\n    \"id\": \"ce1c1aba-5e7e-486f-904f-83ba3a038407\",\n    \"order\": 45,\n    \"text\": \"If you dispute the claim in whole or in part, please reply in writing within the same 14 days. Your reply should say whether you accept the claim and, if not, which facts and which parts of the claim you dispute and why, and whether you intend to make a counterclaim, with details of it. Please also send me copies of the key documents on which you rely.\",\n    \"fontSize\": \"14\",\n    \"textAlign\": \"left\",\n    \"bold\": false,\n    \"underline\": false,\n    \"marginBottom\": \"10\",\n    \"cflou\": false,\n    \"active\": true,\n    \"displayConditions\": [\n      {\n        \"field\": \"1026f9a3-9490-4949-a877-c4d1811bc1e5\",\n        \"value\": \"private\",\n        \"type\": \"add\",\n        \"operator\": \"=\"\n      }\n    ]\n  },\n  {\n    \"id\": \"0c523b05-5691-44ed-91a1-f1588abc8f73\",\n    \"order\": 46,\n    \"text\": \"If you accept that the sum is owed but cannot pay it in full within that period, please contact us within the same 14 days with a realistic proposal for payment by instalments.\",\n    \"fontSize\": \"14\",\n    \"textAlign\": \"left\",\n    \"bold\": false,\n    \"underline\": false,\n    \"marginBottom\": \"10\",\n    \"cflou\": false,\n    \"active\": true,\n    \"displayConditions\": [\n      {\n        \"field\": \"1026f9a3-9490-4949-a877-c4d1811bc1e5\",\n        \"value\": \"b2b\",\n        \"type\": \"add\",\n        \"operator\": \"=\"\n      }\n    ]\n  },\n  {\n    \"id\": \"ed9d48b2-3b2b-4e5f-8b2f-dcdefe02fd66\",\n    \"order\": 47,\n    \"text\": \"If you accept that the sum is owed but cannot pay it in full within that period, please contact me within the same 14 days with a realistic proposal for payment by instalments.\",\n    \"fontSize\": \"14\",\n    \"textAlign\": \"left\",\n    \"bold\": false,\n    \"underline\": false,\n    \"marginBottom\": \"10\",\n    \"cflou\": false,\n    \"active\": true,\n    \"displayConditions\": [\n      {\n        \"field\": \"1026f9a3-9490-4949-a877-c4d1811bc1e5\",\n        \"value\": \"private\",\n        \"type\": \"add\",\n        \"operator\": \"=\"\n      }\n    ]\n  },\n  {\n    \"id\": \"42405acd-7e01-4fef-a826-a5d97fffa46a\",\n    \"order\": 48,\n    \"text\": \"If you are an individual in financial difficulty, free and independent debt advice is available, for example from Citizens Advice (www.citizensadvice.org.uk) or National Debtline (www.nationaldebtline.org).\",\n    \"fontSize\": \"14\",\n    \"textAlign\": \"left\",\n    \"bold\": false,\n    \"underline\": false,\n    \"marginBottom\": \"10\",\n    \"cflou\": false,\n    \"active\": true,\n    \"displayConditions\": [\n      {\n        \"field\": \"1026f9a3-9490-4949-a877-c4d1811bc1e5\",\n        \"value\": \"private\",\n        \"type\": \"add\",\n        \"operator\": \"=\"\n      }\n    ]\n  },\n  {\n    \"id\": \"e7173fcf-2a05-4e9d-a707-9947a97c3b82\",\n    \"order\": 49,\n    \"text\": \"If you neither pay nor reply within 14 days of the date of this letter, we may start court proceedings against you without further notice.\",\n    \"fontSize\": \"14\",\n    \"textAlign\": \"left\",\n    \"bold\": false,\n    \"underline\": false,\n    \"marginBottom\": \"10\",\n    \"cflou\": false,\n    \"active\": true,\n    \"displayConditions\": [\n      {\n        \"field\": \"1026f9a3-9490-4949-a877-c4d1811bc1e5\",\n        \"value\": \"b2b\",\n        \"type\": \"add\",\n        \"operator\": \"=\"\n      }\n    ]\n  },\n  {\n    \"id\": \"01321f56-9f49-4328-9645-51a0b4d534a0\",\n    \"order\": 50,\n    \"text\": \"If you neither pay nor reply within 14 days of the date of this letter, I may start court proceedings against you without further notice.\",\n    \"fontSize\": \"14\",\n    \"textAlign\": \"left\",\n    \"bold\": false,\n    \"underline\": false,\n    \"marginBottom\": \"10\",\n    \"cflou\": false,\n    \"active\": true,\n    \"displayConditions\": [\n      {\n        \"field\": \"1026f9a3-9490-4949-a877-c4d1811bc1e5\",\n        \"value\": \"private\",\n        \"type\": \"add\",\n        \"operator\": \"=\"\n      }\n    ]\n  },\n  {\n    \"id\": \"33b8abb0-964a-4fa9-910d-9cf86f4d291d\",\n    \"order\": 51,\n    \"text\": \"How to pay\",\n    \"fontSize\": \"14\",\n    \"textAlign\": \"left\",\n    \"bold\": true,\n    \"underline\": false,\n    \"marginBottom\": \"5\",\n    \"cflou\": false,\n    \"active\": true,\n    \"marginTop\": \"10\"\n  },\n  {\n    \"id\": \"c80d7259-b4cb-4105-bc3a-a9fb06d13609\",\n    \"order\": 52,\n    \"text\": \"Please pay by bank transfer to the following account, quoting the reference <span id='d1139c94-d762-42aa-9139-b18a889d6b97'>[Reference]</span>: account name <span id='1797c1c5-8412-4f4e-a9e4-9b57b0fcbf9a'>[Account name]</span>, sort code <span id='f0873a5d-b676-426b-b325-3d4a59cf3db0'>[Sort code]</span>, account number <span id='922dbd92-eb75-4097-a87c-dc2552860e28'>[Account number]</span>.\",\n    \"fontSize\": \"14\",\n    \"textAlign\": \"left\",\n    \"bold\": false,\n    \"underline\": false,\n    \"marginBottom\": \"10\",\n    \"cflou\": false,\n    \"active\": true\n  },\n  {\n    \"id\": \"a65d74bb-0ed3-449c-875a-9722fcdba984\",\n    \"order\": 53,\n    \"text\": \"If you wish to discuss payment options or anything in this letter, please contact us by telephone or email at <span id='3791e3f4-e49e-4a9c-916d-76490ba32ca0'>[Telephone and email]</span>, or write to us at the address above.\",\n    \"fontSize\": \"14\",\n    \"textAlign\": \"left\",\n    \"bold\": false,\n    \"underline\": false,\n    \"marginBottom\": \"10\",\n    \"cflou\": false,\n    \"active\": true,\n    \"displayConditions\": [\n      {\n        \"field\": \"1026f9a3-9490-4949-a877-c4d1811bc1e5\",\n        \"value\": \"protocol\",\n        \"type\": \"add\",\n        \"operator\": \"=\"\n      },\n      {\n        \"field\": \"1026f9a3-9490-4949-a877-c4d1811bc1e5\",\n        \"value\": \"b2b\",\n        \"type\": \"add\",\n        \"operator\": \"=\"\n      }\n    ]\n  },\n  {\n    \"id\": \"118be38d-13ea-4f07-a5d4-a3f63df638ef\",\n    \"order\": 54,\n    \"text\": \"If you wish to discuss payment options or anything in this letter, please contact me by telephone or email at <span id='4bbd2dde-a7a9-48e3-8efe-dacded528027'>[Telephone and email]</span>, or write to me at the address above.\",\n    \"fontSize\": \"14\",\n    \"textAlign\": \"left\",\n    \"bold\": false,\n    \"underline\": false,\n    \"marginBottom\": \"10\",\n    \"cflou\": false,\n    \"active\": true,\n    \"displayConditions\": [\n      {\n        \"field\": \"1026f9a3-9490-4949-a877-c4d1811bc1e5\",\n        \"value\": \"private\",\n        \"type\": \"add\",\n        \"operator\": \"=\"\n      }\n    ]\n  },\n  {\n    \"id\": \"26b77920-59a0-48da-82f5-5d210b69f374\",\n    \"order\": 55,\n    \"text\": \"Resolving the matter without going to court\",\n    \"fontSize\": \"14\",\n    \"textAlign\": \"left\",\n    \"bold\": true,\n    \"underline\": false,\n    \"marginBottom\": \"5\",\n    \"cflou\": false,\n    \"active\": true,\n    \"marginTop\": \"10\"\n  },\n  {\n    \"id\": \"ca561f61-c77f-4234-b2b1-ed27b635f5fd\",\n    \"order\": 56,\n    \"text\": \"We would much prefer to resolve this matter without going to court. If you dispute the debt, we are willing to discuss it with you and to consider a form of alternative dispute resolution, such as negotiation or mediation. Please let us know within the period stated above whether you are willing to take part.\",\n    \"fontSize\": \"14\",\n    \"textAlign\": \"left\",\n    \"bold\": false,\n    \"underline\": false,\n    \"marginBottom\": \"10\",\n    \"cflou\": false,\n    \"active\": true,\n    \"displayConditions\": [\n      {\n        \"field\": \"1026f9a3-9490-4949-a877-c4d1811bc1e5\",\n        \"value\": \"protocol\",\n        \"type\": \"add\",\n        \"operator\": \"=\"\n      },\n      {\n        \"field\": \"1026f9a3-9490-4949-a877-c4d1811bc1e5\",\n        \"value\": \"b2b\",\n        \"type\": \"add\",\n        \"operator\": \"=\"\n      }\n    ]\n  },\n  {\n    \"id\": \"7f3207bf-1aba-4de0-b5df-3e56b1ce0122\",\n    \"order\": 57,\n    \"text\": \"I would much prefer to resolve this matter without going to court. If you dispute the debt, I am willing to discuss it with you and to consider a form of alternative dispute resolution, such as negotiation or mediation. Please let me know within the period stated above whether you are willing to take part.\",\n    \"fontSize\": \"14\",\n    \"textAlign\": \"left\",\n    \"bold\": false,\n    \"underline\": false,\n    \"marginBottom\": \"10\",\n    \"cflou\": false,\n    \"active\": true,\n    \"displayConditions\": [\n      {\n        \"field\": \"1026f9a3-9490-4949-a877-c4d1811bc1e5\",\n        \"value\": \"private\",\n        \"type\": \"add\",\n        \"operator\": \"=\"\n      }\n    ]\n  },\n  {\n    \"id\": \"e4f92bb3-5e38-4690-b784-39122e0865f4\",\n    \"order\": 58,\n    \"text\": \"Please do not ignore this letter. If proceedings are started, the court will expect both parties to have followed the pre-action conduct required by the Civil Procedure Rules and to have considered alternative dispute resolution, and it may order the parties to take part in it. The court may take any failure to do so into account when managing the case and when deciding who pays the costs and what interest is awarded (rules 3.1(4) and (5) and 44.2(5) of the Civil Procedure Rules, and paragraphs 13 to 16 of the Practice Direction – Pre-Action Conduct and Protocols).\",\n    \"fontSize\": \"14\",\n    \"textAlign\": \"left\",\n    \"bold\": false,\n    \"underline\": false,\n    \"marginBottom\": \"10\",\n    \"cflou\": false,\n    \"active\": true\n  },\n  {\n    \"id\": \"91f70e78-b1f5-4987-860f-7e0c8ebef998\",\n    \"order\": 59,\n    \"text\": \"If proceedings are issued, we will also claim the court fee and any fixed costs allowed by the court rules. If a court orders you to pay, details of the judgment will usually be entered on the Register of Judgments, Orders and Fines, where most entries stay for six years unless the amount is paid within one month of the judgment. Lenders consult that register when deciding whether to give credit.\",\n    \"fontSize\": \"14\",\n    \"textAlign\": \"left\",\n    \"bold\": false,\n    \"underline\": false,\n    \"marginBottom\": \"10\",\n    \"cflou\": false,\n    \"active\": true,\n    \"displayConditions\": [\n      {\n        \"field\": \"1026f9a3-9490-4949-a877-c4d1811bc1e5\",\n        \"value\": \"protocol\",\n        \"type\": \"add\",\n        \"operator\": \"=\"\n      },\n      {\n        \"field\": \"1026f9a3-9490-4949-a877-c4d1811bc1e5\",\n        \"value\": \"b2b\",\n        \"type\": \"add\",\n        \"operator\": \"=\"\n      }\n    ]\n  },\n  {\n    \"id\": \"c1d4c4cf-3110-4592-9396-703c1a19d0ab\",\n    \"order\": 60,\n    \"text\": \"If proceedings are issued, I will also claim the court fee and any fixed costs allowed by the court rules. If a court orders you to pay, details of the judgment will usually be entered on the Register of Judgments, Orders and Fines, where most entries stay for six years unless the amount is paid within one month of the judgment. Lenders consult that register when deciding whether to give credit.\",\n    \"fontSize\": \"14\",\n    \"textAlign\": \"left\",\n    \"bold\": false,\n    \"underline\": false,\n    \"marginBottom\": \"10\",\n    \"cflou\": false,\n    \"active\": true,\n    \"displayConditions\": [\n      {\n        \"field\": \"1026f9a3-9490-4949-a877-c4d1811bc1e5\",\n        \"value\": \"private\",\n        \"type\": \"add\",\n        \"operator\": \"=\"\n      }\n    ]\n  },\n  {\n    \"id\": \"4dd51b70-a518-481e-a669-f7e34ee72a83\",\n    \"order\": 61,\n    \"text\": \"This letter concerns a claim to be brought, if necessary, in the county court in England and Wales. We reserve all our rights in relation to this debt.\",\n    \"fontSize\": \"14\",\n    \"textAlign\": \"left\",\n    \"bold\": false,\n    \"underline\": false,\n    \"marginBottom\": \"10\",\n    \"cflou\": false,\n    \"active\": true,\n    \"displayConditions\": [\n      {\n        \"field\": \"1026f9a3-9490-4949-a877-c4d1811bc1e5\",\n        \"value\": \"protocol\",\n        \"type\": \"add\",\n        \"operator\": \"=\"\n      },\n      {\n        \"field\": \"1026f9a3-9490-4949-a877-c4d1811bc1e5\",\n        \"value\": \"b2b\",\n        \"type\": \"add\",\n        \"operator\": \"=\"\n      }\n    ]\n  },\n  {\n    \"id\": \"131e04f0-3b8e-4fc6-8ce2-a485e503c6f3\",\n    \"order\": 62,\n    \"text\": \"This letter concerns a claim to be brought, if necessary, in the county court in England and Wales. I reserve all my rights in relation to this debt.\",\n    \"fontSize\": \"14\",\n    \"textAlign\": \"left\",\n    \"bold\": false,\n    \"underline\": false,\n    \"marginBottom\": \"10\",\n    \"cflou\": false,\n    \"active\": true,\n    \"displayConditions\": [\n      {\n        \"field\": \"1026f9a3-9490-4949-a877-c4d1811bc1e5\",\n        \"value\": \"private\",\n        \"type\": \"add\",\n        \"operator\": \"=\"\n      }\n    ]\n  },\n  {\n    \"id\": \"2d88641e-c346-434c-b773-8194afbda559\",\n    \"order\": 63,\n    \"text\": \"Yours sincerely,\",\n    \"fontSize\": \"14\",\n    \"textAlign\": \"left\",\n    \"bold\": false,\n    \"underline\": false,\n    \"marginBottom\": \"40\",\n    \"cflou\": false,\n    \"active\": true,\n    \"displayConditions\": [\n      {\n        \"field\": \"39ff7714-d8c5-4ed8-8e39-1676ec432aad\",\n        \"value\": \"named\",\n        \"type\": \"add\",\n        \"operator\": \"=\"\n      }\n    ],\n    \"marginTop\": \"10\"\n  },\n  {\n    \"id\": \"a7f2a7c9-3908-4f34-8016-5576784c41d5\",\n    \"order\": 64,\n    \"text\": \"Yours faithfully,\",\n    \"fontSize\": \"14\",\n    \"textAlign\": \"left\",\n    \"bold\": false,\n    \"underline\": false,\n    \"marginBottom\": \"40\",\n    \"cflou\": false,\n    \"active\": true,\n    \"displayConditions\": [\n      {\n        \"field\": \"39ff7714-d8c5-4ed8-8e39-1676ec432aad\",\n        \"value\": \"sir\",\n        \"type\": \"add\",\n        \"operator\": \"=\"\n      }\n    ],\n    \"marginTop\": \"10\"\n  },\n  {\n    \"id\": \"a50da5ab-5336-427c-a643-90e44b10af8a\",\n    \"order\": 65,\n    \"text\": \"______________________________\",\n    \"fontSize\": \"14\",\n    \"textAlign\": \"left\",\n    \"bold\": false,\n    \"underline\": false,\n    \"marginBottom\": \"5\",\n    \"cflou\": false,\n    \"active\": true\n  },\n  {\n    \"id\": \"9539ee39-fae4-47a2-8bdc-f2bc626de85b\",\n    \"order\": 66,\n    \"text\": \"<span id='d8c50c5b-dd2e-4852-a82c-389d9cbcd048'>[Name of the signatory]</span><br><span id='cfe6ed5a-a052-453f-872a-86a22e8f9a91'>[Position]</span><br>for and on behalf of <span id='1494c875-c264-4237-91bc-65f8fb768afa'>[Name of the creditor]</span>\",\n    \"fontSize\": \"14\",\n    \"textAlign\": \"left\",\n    \"bold\": false,\n    \"underline\": false,\n    \"marginBottom\": \"20\",\n    \"cflou\": false,\n    \"active\": true,\n    \"displayConditions\": [\n      {\n        \"field\": \"1026f9a3-9490-4949-a877-c4d1811bc1e5\",\n        \"value\": \"protocol\",\n        \"type\": \"add\",\n        \"operator\": \"=\"\n      },\n      {\n        \"field\": \"1026f9a3-9490-4949-a877-c4d1811bc1e5\",\n        \"value\": \"b2b\",\n        \"type\": \"add\",\n        \"operator\": \"=\"\n      }\n    ]\n  },\n  {\n    \"id\": \"2610e614-ab8e-4797-867d-777f832b3838\",\n    \"order\": 67,\n    \"text\": \"<span id='cc55dcc1-c126-4bde-a7bb-ad5ef9695198'>[Name of the creditor]</span>\",\n    \"fontSize\": \"14\",\n    \"textAlign\": \"left\",\n    \"bold\": false,\n    \"underline\": false,\n    \"marginBottom\": \"20\",\n    \"cflou\": false,\n    \"active\": true,\n    \"displayConditions\": [\n      {\n        \"field\": \"1026f9a3-9490-4949-a877-c4d1811bc1e5\",\n        \"value\": \"private\",\n        \"type\": \"add\",\n        \"operator\": \"=\"\n      }\n    ]\n  },\n  {\n    \"id\": \"35b92b24-48eb-42e6-8e55-401e88665029\",\n    \"order\": 68,\n    \"text\": \"Enclosed: an up-to-date statement of account; the Information Sheet and the Reply Form set out in Annex 1 to the Pre-Action Protocol for Debt Claims; a Financial Statement form; and <span id='655ead6b-626d-4920-9c6b-bcfec31b0476'>[Documents enclosed]</span>.\",\n    \"fontSize\": \"12\",\n    \"textAlign\": \"left\",\n    \"bold\": false,\n    \"underline\": false,\n    \"marginBottom\": \"10\",\n    \"cflou\": false,\n    \"active\": true,\n    \"displayConditions\": [\n      {\n        \"field\": \"1026f9a3-9490-4949-a877-c4d1811bc1e5\",\n        \"value\": \"protocol\",\n        \"type\": \"add\",\n        \"operator\": \"=\"\n      }\n    ]\n  },\n  {\n    \"id\": \"5b90f908-9c45-4176-8a4a-6fca96855847\",\n    \"order\": 69,\n    \"text\": \"Enclosed: <span id='32dd780f-d41c-446d-96a6-4a6e68cf5e83'>[Documents enclosed]</span>.\",\n    \"fontSize\": \"12\",\n    \"textAlign\": \"left\",\n    \"bold\": false,\n    \"underline\": false,\n    \"marginBottom\": \"10\",\n    \"cflou\": false,\n    \"active\": true,\n    \"displayConditions\": [\n      {\n        \"field\": \"1026f9a3-9490-4949-a877-c4d1811bc1e5\",\n        \"value\": \"b2b\",\n        \"type\": \"add\",\n        \"operator\": \"=\"\n      },\n      {\n        \"field\": \"1026f9a3-9490-4949-a877-c4d1811bc1e5\",\n        \"value\": \"private\",\n        \"type\": \"add\",\n        \"operator\": \"=\"\n      }\n    ]\n  },\n  {\n    \"id\": \"7da80777-7feb-4ef8-a9be-388f281b14fe\",\n    \"order\": 70,\n    \"text\": \"NOTES FOR THE SENDER: DO NOT SEND THIS PAGE\",\n    \"fontSize\": \"16\",\n    \"textAlign\": \"center\",\n    \"bold\": true,\n    \"underline\": false,\n    \"marginBottom\": \"10\",\n    \"cflou\": false,\n    \"active\": true,\n    \"pageBreakBefore\": true\n  },\n  {\n    \"id\": \"f4447ead-fc9e-42d0-afe1-3039c80557fe\",\n    \"order\": 71,\n    \"text\": \"This page is for you only. It is not part of the letter and must not be sent to the debtor.\",\n    \"fontSize\": \"12\",\n    \"textAlign\": \"left\",\n    \"bold\": false,\n    \"underline\": false,\n    \"marginBottom\": \"10\",\n    \"cflou\": false,\n    \"active\": true\n  },\n  {\n    \"id\": \"2af0a810-7895-4fd1-87d1-746fc8905c21\",\n    \"order\": 72,\n    \"text\": \"Before sending. This letter is for a claim in the county court in England and Wales, against a debtor whose address is in England or Wales. Scotland and Northern Ireland have their own procedures. Do not use it for a loan or credit agreement regulated under the Consumer Credit Act 1974, for a debt that a court has already ordered to be paid, for mortgage arrears, for a debt you bought or were assigned, or for a claim for building, construction or engineering work, even an unpaid invoice that is not disputed (the Pre-Action Protocol for Construction and Engineering Disputes may apply instead). Check every figure: knowingly making a false statement in a pre-action letter can be a contempt of court.\",\n    \"fontSize\": \"12\",\n    \"textAlign\": \"left\",\n    \"bold\": false,\n    \"underline\": false,\n    \"marginBottom\": \"10\",\n    \"cflou\": false,\n    \"active\": true\n  },\n  {\n    \"id\": \"5b3d31fe-099f-446d-b99f-4e109ba4b8f6\",\n    \"order\": 73,\n    \"text\": \"Documents to enclose. Download the Pre-Action Protocol for Debt Claims from the Civil Procedure Rules pages of www.justice.gov.uk. Print and enclose the Information Sheet and the Reply Form (Annex 1) and a Financial Statement form (Annex 2), together with an up-to-date statement of account and copies of the documents listed at the end of the letter (paragraph 3.1 of the Protocol).\",\n    \"fontSize\": \"12\",\n    \"textAlign\": \"left\",\n    \"bold\": false,\n    \"underline\": false,\n    \"marginBottom\": \"10\",\n    \"cflou\": false,\n    \"active\": true,\n    \"displayConditions\": [\n      {\n        \"field\": \"1026f9a3-9490-4949-a877-c4d1811bc1e5\",\n        \"value\": \"protocol\",\n        \"type\": \"add\",\n        \"operator\": \"=\"\n      }\n    ]\n  },\n  {\n    \"id\": \"a1002fbf-5063-4ef7-aac5-f446e7764bfe\",\n    \"order\": 74,\n    \"text\": \"Documents to enclose. Enclose copies, never originals, of the documents listed at the end of the letter (paragraph 6(c) of the Practice Direction – Pre-Action Conduct and Protocols).\",\n    \"fontSize\": \"12\",\n    \"textAlign\": \"left\",\n    \"bold\": false,\n    \"underline\": false,\n    \"marginBottom\": \"10\",\n    \"cflou\": false,\n    \"active\": true,\n    \"displayConditions\": [\n      {\n        \"field\": \"1026f9a3-9490-4949-a877-c4d1811bc1e5\",\n        \"value\": \"b2b\",\n        \"type\": \"add\",\n        \"operator\": \"=\"\n      },\n      {\n        \"field\": \"1026f9a3-9490-4949-a877-c4d1811bc1e5\",\n        \"value\": \"private\",\n        \"type\": \"add\",\n        \"operator\": \"=\"\n      }\n    ]\n  },\n  {\n    \"id\": \"151bd681-aa57-4807-a273-6b23423bf965\",\n    \"order\": 75,\n    \"text\": \"Sending. Sign the letter and send it on the date shown at the top or, if that is not reasonably possible, the next day, by first class post (and by email if you chose that option), or by email only if the debtor has explicitly asked not to receive post (paragraphs 3.2 and 3.3 of the Protocol). If you post it, ask the Post Office for a free certificate of posting, or use a tracked service. Keep a full copy of the letter and of everything enclosed.\",\n    \"fontSize\": \"12\",\n    \"textAlign\": \"left\",\n    \"bold\": false,\n    \"underline\": false,\n    \"marginBottom\": \"10\",\n    \"cflou\": false,\n    \"active\": true,\n    \"displayConditions\": [\n      {\n        \"field\": \"1026f9a3-9490-4949-a877-c4d1811bc1e5\",\n        \"value\": \"protocol\",\n        \"type\": \"add\",\n        \"operator\": \"=\"\n      }\n    ]\n  },\n  {\n    \"id\": \"8a5fdf27-8043-4a47-91c9-9e14a726f13f\",\n    \"order\": 76,\n    \"text\": \"Sending. Sign the letter and send it on the date shown at the top. If you post it, ask the Post Office for a free certificate of posting, or use a tracked service. Keep a full copy of the letter and of everything enclosed.\",\n    \"fontSize\": \"12\",\n    \"textAlign\": \"left\",\n    \"bold\": false,\n    \"underline\": false,\n    \"marginBottom\": \"10\",\n    \"cflou\": false,\n    \"active\": true,\n    \"displayConditions\": [\n      {\n        \"field\": \"1026f9a3-9490-4949-a877-c4d1811bc1e5\",\n        \"value\": \"b2b\",\n        \"type\": \"add\",\n        \"operator\": \"=\"\n      },\n      {\n        \"field\": \"1026f9a3-9490-4949-a877-c4d1811bc1e5\",\n        \"value\": \"private\",\n        \"type\": \"add\",\n        \"operator\": \"=\"\n      }\n    ]\n  },\n  {\n    \"id\": \"90fa7784-51ef-4a43-aa26-c98b364efb9d\",\n    \"order\": 77,\n    \"text\": \"Waiting. Do not start proceedings until 30 days have passed from the date of the letter, allowing for a reply posted at the end of that period (paragraph 3.4). If the debtor returns the Reply Form, wait at least 30 days from its receipt, or from your sending any documents requested, whichever is later, and allow reasonable extra time if the debtor is getting debt advice (paragraphs 4.2 and 4.3). Supply any document requested within 30 days (paragraph 5.2). If you agree a payment plan, do not sue while it is kept to; to sue later, you must send a new letter of claim (paragraph 6.4). If the debtor replied but no agreement was reached, give at least 14 days' notice of your intention to start proceedings (paragraph 8.2).\",\n    \"fontSize\": \"12\",\n    \"textAlign\": \"left\",\n    \"bold\": false,\n    \"underline\": false,\n    \"marginBottom\": \"10\",\n    \"cflou\": false,\n    \"active\": true,\n    \"displayConditions\": [\n      {\n        \"field\": \"1026f9a3-9490-4949-a877-c4d1811bc1e5\",\n        \"value\": \"protocol\",\n        \"type\": \"add\",\n        \"operator\": \"=\"\n      }\n    ]\n  },\n  {\n    \"id\": \"c534d7d3-04d5-4cc3-9fac-8e1c535d2953\",\n    \"order\": 78,\n    \"text\": \"Waiting. Allow the full 14 days from the date of the letter, plus time for delivery. If the debtor replies, consider the reply seriously, answer it and review your position before issuing a claim (paragraphs 6, 8 and 12 of the Practice Direction). In a complex case, the reasonable period to reply can be longer, up to three months.\",\n    \"fontSize\": \"12\",\n    \"textAlign\": \"left\",\n    \"bold\": false,\n    \"underline\": false,\n    \"marginBottom\": \"10\",\n    \"cflou\": false,\n    \"active\": true,\n    \"displayConditions\": [\n      {\n        \"field\": \"1026f9a3-9490-4949-a877-c4d1811bc1e5\",\n        \"value\": \"b2b\",\n        \"type\": \"add\",\n        \"operator\": \"=\"\n      },\n      {\n        \"field\": \"1026f9a3-9490-4949-a877-c4d1811bc1e5\",\n        \"value\": \"private\",\n        \"type\": \"add\",\n        \"operator\": \"=\"\n      }\n    ]\n  },\n  {\n    \"id\": \"4039ec36-76e2-4b9c-9891-024ade2ab3bf\",\n    \"order\": 79,\n    \"text\": \"Breathing space. If you are told that the debtor is in a breathing space or a mental health crisis moratorium under the Debt Respite Scheme (Breathing Space Moratorium and Mental Health Crisis Moratorium) (England and Wales) Regulations 2020, you must stop: during the moratorium you may not take any step to collect the debt or start court proceedings, and you may never require payment of interest, fees, penalties or charges that accrued during the moratorium, even after it ends (regulation 7(6) and (10)). A standard breathing space lasts 60 days. The online money claim service cannot be used against a debtor in a breathing space.\",\n    \"fontSize\": \"12\",\n    \"textAlign\": \"left\",\n    \"bold\": false,\n    \"underline\": false,\n    \"marginBottom\": \"10\",\n    \"cflou\": false,\n    \"active\": true\n  },\n  {\n    \"id\": \"e6be8261-c404-471d-932e-ede27a23ee32\",\n    \"order\": 80,\n    \"text\": \"Stay polite and lawful. It is a criminal offence to harass a debtor with demands calculated to cause alarm, distress or humiliation, to suggest falsely that criminal proceedings lie for failure to pay, or to claim falsely to act in an official capacity (section&nbsp;40 of the Administration of Justice Act 1970; where a business is collecting from a consumer, the rules on aggressive commercial practices in Part 4, Chapter 1 of the Digital Markets, Competition and Consumers Act 2024 apply instead). Do not contact the debtor's employer, family or neighbours about the debt.\",\n    \"fontSize\": \"12\",\n    \"textAlign\": \"left\",\n    \"bold\": false,\n    \"underline\": false,\n    \"marginBottom\": \"10\",\n    \"cflou\": false,\n    \"active\": true\n  },\n  {\n    \"id\": \"47c39c0c-2722-4e1b-b036-a5526fbae9a9\",\n    \"order\": 81,\n    \"text\": \"Starting a claim. If the debt is not paid or settled, you can make a claim online using the HM Courts and Tribunals Service money claim service on www.gov.uk, or by post on claim form N1 sent to the Civil National Business Centre. A court fee is payable, based on the amount claimed, and help with fees may be available. Depending on the amount, the court may arrange free mediation. A claim for a debt under a contract must generally be started within six years of the date on which the debt fell due (section&nbsp;5 of the Limitation Act 1980); this letter does not extend that period.\",\n    \"fontSize\": \"12\",\n    \"textAlign\": \"left\",\n    \"bold\": false,\n    \"underline\": false,\n    \"marginBottom\": \"10\",\n    \"cflou\": false,\n    \"active\": true\n  }\n]\n","form":"[{\"id\":\"5191fc2f-ae8a-4e87-92d3-f240f89009e2\",\"stepId\":\"5191fc2f-ae8a-4e87-92d3-f240f89009e2\",\"productId\":1967,\"name\":\"Which rules apply\",\"order\":1,\"isDefault\":true,\"displayCondition\":[],\"createdAt\":\"2026-11-08T10:00:00.0000000Z\",\"updatedAt\":\"2026-11-08T10:00:00.0000000Z\",\"updatedBy\":\"Captain.legal\",\"visible\":true,\"valid\":true,\"fields\":[{\"id\":\"1b15eccc-4d5d-4ac4-acb3-858f49b7c97a\",\"stepId\":\"5191fc2f-ae8a-4e87-92d3-f240f89009e2\",\"type\":\"label\",\"label\":\"This letter before action asks someone who owes you money to pay, or to reply, before you start a money claim in the county court in England and Wales (unpaid invoices, rent, a private loan, goods sold, a deposit). Not suitable for: a debtor in Scotland or Northern Ireland, a regulated consumer credit agreement, a debt already ordered by a court, mortgage arrears, a construction claim, a debt bought from someone else or a claim for possession of a property.\",\"placeholder\":\"\",\"helpText\":\"\",\"options\":[],\"mappings\":[],\"value\":\"\",\"order\":1,\"createdAt\":\"2026-11-08T10:00:00.0000000Z\",\"updatedAt\":\"2026-11-08T10:00:00.0000000Z\",\"index\":1,\"content\":\"{\\\"label\\\":\\\"This letter before action asks someone who owes you money to pay, or to reply, before you start a money claim in the county court in England and Wales (unpaid invoices, rent, a private loan, goods sold, a deposit). Not suitable for: a debtor in Scotland or Northern Ireland, a regulated consumer credit agreement, a debt already ordered by a court, mortgage arrears, a construction claim, a debt bought from someone else or a claim for possession of a property.\\\",\\\"placeholder\\\":\\\"\\\",\\\"helpText\\\":\\\"\\\",\\\"mappings\\\":[]}\",\"visible\":true,\"valid\":true},{\"id\":\"1026f9a3-9490-4949-a877-c4d1811bc1e5\",\"stepId\":\"5191fc2f-ae8a-4e87-92d3-f240f89009e2\",\"type\":\"radio\",\"label\":\"Who is owed the money, and who owes it?\",\"placeholder\":\"\",\"helpText\":\"Two sets of rules apply before a debt claim in England and Wales. When a business (including a sole trader or a public body) claims a debt from an individual (including a sole trader), the Pre-Action Protocol for Debt Claims applies: the letter gives 30 days to reply and must be sent by post with the Information Sheet, the Reply Form and a Financial Statement form (paragraphs 1.1, 3.1, 3.3 and 3.4 of the Protocol). In every other case (business to business, or a private individual claiming from anyone), the Practice Direction on Pre-Action Conduct and Protocols applies and the usual period to reply is 14 days in a straightforward case (paragraph 6). Any landlord claiming rent arrears from a tenant who is an individual should choose the first option, even if they let only one property: whether a private landlord counts as a business is not settled, and following the Protocol where it may not strictly apply only means waiting 30 days instead of 14, whereas ignoring it where it applies can be penalised in costs. If you are unsure whether you act as a business, choose the first option. A tenant claiming back a deposit that was protected in a tenancy deposit scheme should first use the scheme's free dispute service.\",\"options\":[{\"value\":\"protocol\",\"text\":\"A business (company, partnership, sole trader or public body) is owed money by an individual or a sole trader\",\"isDefault\":true},{\"value\":\"b2b\",\"text\":\"A business is owed money by another business that is not a sole trader (a company, LLP or partnership)\",\"isDefault\":false},{\"value\":\"private\",\"text\":\"A private individual, not acting in the course of a business, is owed money by an individual or a business\",\"isDefault\":false}],\"mappings\":[],\"value\":\"protocol\",\"order\":2,\"createdAt\":\"2026-11-08T10:00:00.0000000Z\",\"updatedAt\":\"2026-11-08T10:00:00.0000000Z\",\"index\":2,\"content\":\"{\\\"label\\\":\\\"Who is owed the money, and who owes it?\\\",\\\"placeholder\\\":\\\"\\\",\\\"helpText\\\":\\\"Two sets of rules apply before a debt claim in England and Wales. When a business (including a sole trader or a public body) claims a debt from an individual (including a sole trader), the Pre-Action Protocol for Debt Claims applies: the letter gives 30 days to reply and must be sent by post with the Information Sheet, the Reply Form and a Financial Statement form (paragraphs 1.1, 3.1, 3.3 and 3.4 of the Protocol). In every other case (business to business, or a private individual claiming from anyone), the Practice Direction on Pre-Action Conduct and Protocols applies and the usual period to reply is 14 days in a straightforward case (paragraph 6). Any landlord claiming rent arrears from a tenant who is an individual should choose the first option, even if they let only one property: whether a private landlord counts as a business is not settled, and following the Protocol where it may not strictly apply only means waiting 30 days instead of 14, whereas ignoring it where it applies can be penalised in costs. If you are unsure whether you act as a business, choose the first option. A tenant claiming back a deposit that was protected in a tenancy deposit scheme should first use the scheme's free dispute service.\\\",\\\"mappings\\\":[]}\",\"visible\":true,\"valid\":true,\"oneline\":true}]},{\"id\":\"d35490e5-ea01-44a3-9f29-7afb80191f52\",\"stepId\":\"d35490e5-ea01-44a3-9f29-7afb80191f52\",\"productId\":1967,\"name\":\"Date and sending\",\"order\":2,\"isDefault\":true,\"displayCondition\":[],\"createdAt\":\"2026-11-08T10:00:00.0000000Z\",\"updatedAt\":\"2026-11-08T10:00:00.0000000Z\",\"updatedBy\":\"Captain.legal\",\"visible\":true,\"valid\":true,\"fields\":[{\"id\":\"857b2c4f-117a-43b4-9222-ac5a6f111f06\",\"stepId\":\"d35490e5-ea01-44a3-9f29-7afb80191f52\",\"type\":\"date\",\"label\":\"Date of the letter\",\"placeholder\":\"e.g. 15/03/2027\",\"helpText\":\"Under the Pre-Action Protocol for Debt Claims, the letter must be clearly dated at the top and posted on that day or, if that is not reasonably possible, the next day (paragraph 3.2). The 30-day or 14-day period runs from this date.\",\"options\":[],\"mappings\":[\"6d19e2a8-4621-42bc-b0ad-563618f69f0b\"],\"value\":\"\",\"order\":1,\"createdAt\":\"2026-11-08T10:00:00.0000000Z\",\"updatedAt\":\"2026-11-08T10:00:00.0000000Z\",\"index\":1,\"content\":\"{\\\"label\\\": \\\"Date of the letter\\\", \\\"placeholder\\\": \\\"e.g. 15/03/2027\\\", \\\"helpText\\\": \\\"Under the Pre-Action Protocol for Debt Claims, the letter must be clearly dated at the top and posted on that day or, if that is not reasonably possible, the next day (paragraph 3.2). The 30-day or 14-day period runs from this date.\\\", \\\"mappings\\\": [\\\"6d19e2a8-4621-42bc-b0ad-563618f69f0b\\\"]}\",\"visible\":true,\"valid\":true},{\"id\":\"a7f4a815-65a7-4363-8e6d-448e768b301c\",\"stepId\":\"d35490e5-ea01-44a3-9f29-7afb80191f52\",\"type\":\"text\",\"label\":\"Your reference for this debt\",\"placeholder\":\"e.g. INV-1042 or LOAN-2026\",\"helpText\":\"An invoice, account or file number. It is repeated as the payment reference, so that you can match the payment.\",\"options\":[],\"mappings\":[\"5a02cdf6-6172-4407-8bb8-f9ffc0684ae0\",\"f1d4f59c-e516-46b6-9237-3440ca601341\",\"d1139c94-d762-42aa-9139-b18a889d6b97\"],\"value\":\"\",\"order\":2,\"createdAt\":\"2026-11-08T10:00:00.0000000Z\",\"updatedAt\":\"2026-11-08T10:00:00.0000000Z\",\"index\":2,\"content\":\"{\\\"label\\\": \\\"Your reference for this debt\\\", \\\"placeholder\\\": \\\"e.g. INV-1042 or LOAN-2026\\\", \\\"helpText\\\": \\\"An invoice, account or file number. It is repeated as the payment reference, so that you can match the payment.\\\", \\\"mappings\\\": [\\\"5a02cdf6-6172-4407-8bb8-f9ffc0684ae0\\\", \\\"f1d4f59c-e516-46b6-9237-3440ca601341\\\", \\\"d1139c94-d762-42aa-9139-b18a889d6b97\\\"]}\",\"visible\":true,\"valid\":true},{\"id\":\"a23371e6-21e4-4c44-9bad-f5d5afbb8823\",\"stepId\":\"d35490e5-ea01-44a3-9f29-7afb80191f52\",\"type\":\"radio\",\"label\":\"How will you send the letter?\",\"placeholder\":\"\",\"helpText\":\"Always send the letter by post and keep proof of posting. The Pre-Action Protocol requires the letter to be posted; you may also email it if you have the debtor's email address (paragraph 3.3). Choose email only if the debtor has explicitly asked you not to send correspondence by post and has given you an email address; a clause in your own standard terms is not such a request.\",\"options\":[{\"value\":\"post\",\"text\":\"By post only\",\"isDefault\":true},{\"value\":\"both\",\"text\":\"By post and by email\",\"isDefault\":false},{\"value\":\"email\",\"text\":\"By email only, because the debtor has explicitly asked not to receive letters by post\",\"isDefault\":false}],\"mappings\":[],\"value\":\"post\",\"order\":3,\"createdAt\":\"2026-11-08T10:00:00.0000000Z\",\"updatedAt\":\"2026-11-08T10:00:00.0000000Z\",\"index\":3,\"content\":\"{\\\"label\\\": \\\"How will you send the letter?\\\", \\\"placeholder\\\": \\\"\\\", \\\"helpText\\\": \\\"Always send the letter by post and keep proof of posting. The Pre-Action Protocol requires the letter to be posted; you may also email it if you have the debtor's email address (paragraph 3.3). Choose email only if the debtor has explicitly asked you not to send correspondence by post and has given you an email address; a clause in your own standard terms is not such a request.\\\", \\\"mappings\\\": []}\",\"visible\":true,\"valid\":true,\"oneline\":true,\"fieldActions\":[{\"trigger\":{\"field\":\"a23371e6-21e4-4c44-9bad-f5d5afbb8823\",\"value\":\"both\"},\"action\":\"show\",\"fieldId\":\"9da7d539-55e0-47c5-9c37-d603ad549aa8\"},{\"trigger\":{\"field\":\"a23371e6-21e4-4c44-9bad-f5d5afbb8823\",\"value\":\"email\"},\"action\":\"show\",\"fieldId\":\"9da7d539-55e0-47c5-9c37-d603ad549aa8\"},{\"trigger\":{\"field\":\"a23371e6-21e4-4c44-9bad-f5d5afbb8823\",\"value\":\"post\"},\"action\":\"hide\",\"fieldId\":\"9da7d539-55e0-47c5-9c37-d603ad549aa8\"}]},{\"id\":\"9da7d539-55e0-47c5-9c37-d603ad549aa8\",\"stepId\":\"d35490e5-ea01-44a3-9f29-7afb80191f52\",\"type\":\"text\",\"label\":\"Debtor's email address\",\"placeholder\":\"e.g. t.price@example.co.uk\",\"helpText\":\"\",\"options\":[],\"mappings\":[\"ee9b0c6e-d0f0-44ea-94f2-c04d22ce12e8\",\"d0013a99-24bc-440e-8faf-2b2e6a0e7dce\"],\"value\":\"\",\"order\":4,\"createdAt\":\"2026-11-08T10:00:00.0000000Z\",\"updatedAt\":\"2026-11-08T10:00:00.0000000Z\",\"index\":4,\"content\":\"{\\\"label\\\": \\\"Debtor's email address\\\", \\\"placeholder\\\": \\\"e.g. t.price@example.co.uk\\\", \\\"helpText\\\": \\\"\\\", \\\"mappings\\\": [\\\"ee9b0c6e-d0f0-44ea-94f2-c04d22ce12e8\\\", \\\"d0013a99-24bc-440e-8faf-2b2e6a0e7dce\\\"]}\",\"visible\":true,\"valid\":true,\"initiallyHidden\":true}]},{\"id\":\"0899de53-10ec-448b-bf80-0b991fcc1e00\",\"stepId\":\"0899de53-10ec-448b-bf80-0b991fcc1e00\",\"productId\":1967,\"name\":\"You (the person or business owed the money)\",\"order\":3,\"isDefault\":true,\"displayCondition\":[],\"createdAt\":\"2026-11-08T10:00:00.0000000Z\",\"updatedAt\":\"2026-11-08T10:00:00.0000000Z\",\"updatedBy\":\"Captain.legal\",\"visible\":true,\"valid\":true,\"fields\":[{\"id\":\"51e2e479-236f-4803-83d6-77cce91f1e09\",\"stepId\":\"0899de53-10ec-448b-bf80-0b991fcc1e00\",\"type\":\"text\",\"label\":\"Your full name, or the full name of your business\",\"placeholder\":\"e.g. Harbour Joinery Ltd, or Sarah Collins\",\"helpText\":\"For a company or an LLP, its registered name exactly as at Companies House. For a sole trader, your own name followed by your trading name, for example Mark Evans trading as Evans Electrical.\",\"options\":[],\"mappings\":[\"908c5fdc-02fb-4e97-83af-ac57bc4ff35d\",\"82e96d4e-80a8-4512-86fa-21cf57960c17\",\"1494c875-c264-4237-91bc-65f8fb768afa\",\"cc55dcc1-c126-4bde-a7bb-ad5ef9695198\"],\"value\":\"\",\"order\":1,\"createdAt\":\"2026-11-08T10:00:00.0000000Z\",\"updatedAt\":\"2026-11-08T10:00:00.0000000Z\",\"index\":1,\"content\":\"{\\\"label\\\": \\\"Your full name, or the full name of your business\\\", \\\"placeholder\\\": \\\"e.g. Harbour Joinery Ltd, or Sarah Collins\\\", \\\"helpText\\\": \\\"For a company or an LLP, its registered name exactly as at Companies House. For a sole trader, your own name followed by your trading name, for example Mark Evans trading as Evans Electrical.\\\", \\\"mappings\\\": [\\\"908c5fdc-02fb-4e97-83af-ac57bc4ff35d\\\", \\\"82e96d4e-80a8-4512-86fa-21cf57960c17\\\", \\\"1494c875-c264-4237-91bc-65f8fb768afa\\\", \\\"cc55dcc1-c126-4bde-a7bb-ad5ef9695198\\\"]}\",\"visible\":true,\"valid\":true},{\"id\":\"8e36b135-aabd-449a-a0c3-ef75508745bb\",\"stepId\":\"0899de53-10ec-448b-bf80-0b991fcc1e00\",\"type\":\"text\",\"label\":\"Your postal address\",\"placeholder\":\"e.g. Unit 3, Quay Road, Bristol BS1 6QH\",\"helpText\":\"The debtor is asked to send the Reply Form or any reply to this address.\",\"options\":[],\"mappings\":[\"051975d7-5e43-4064-b886-3c559b519ed1\",\"e6264b36-eb2d-46cb-abb6-1ef599421397\"],\"value\":\"\",\"order\":2,\"createdAt\":\"2026-11-08T10:00:00.0000000Z\",\"updatedAt\":\"2026-11-08T10:00:00.0000000Z\",\"index\":2,\"content\":\"{\\\"label\\\": \\\"Your postal address\\\", \\\"placeholder\\\": \\\"e.g. Unit 3, Quay Road, Bristol BS1 6QH\\\", \\\"helpText\\\": \\\"The debtor is asked to send the Reply Form or any reply to this address.\\\", \\\"mappings\\\": [\\\"051975d7-5e43-4064-b886-3c559b519ed1\\\", \\\"e6264b36-eb2d-46cb-abb6-1ef599421397\\\"]}\",\"visible\":true,\"valid\":true},{\"id\":\"325cac19-7e25-45e2-9674-8d5d2c695076\",\"stepId\":\"0899de53-10ec-448b-bf80-0b991fcc1e00\",\"type\":\"text\",\"label\":\"Your telephone number and email address\",\"placeholder\":\"e.g. 0117 496 0123, accounts@harbourjoinery.co.uk\",\"helpText\":\"\",\"options\":[],\"mappings\":[\"189b6949-03fa-4a39-a69e-75e2a1f0742f\",\"3791e3f4-e49e-4a9c-916d-76490ba32ca0\",\"4bbd2dde-a7a9-48e3-8efe-dacded528027\"],\"value\":\"\",\"order\":3,\"createdAt\":\"2026-11-08T10:00:00.0000000Z\",\"updatedAt\":\"2026-11-08T10:00:00.0000000Z\",\"index\":3,\"content\":\"{\\\"label\\\": \\\"Your telephone number and email address\\\", \\\"placeholder\\\": \\\"e.g. 0117 496 0123, accounts@harbourjoinery.co.uk\\\", \\\"helpText\\\": \\\"\\\", \\\"mappings\\\": [\\\"189b6949-03fa-4a39-a69e-75e2a1f0742f\\\", \\\"3791e3f4-e49e-4a9c-916d-76490ba32ca0\\\", \\\"4bbd2dde-a7a9-48e3-8efe-dacded528027\\\"]}\",\"visible\":true,\"valid\":true}]},{\"id\":\"741f87b6-e034-46e6-94ab-0944d67db4ec\",\"stepId\":\"741f87b6-e034-46e6-94ab-0944d67db4ec\",\"productId\":1967,\"name\":\"Who signs for the business\",\"order\":4,\"isDefault\":true,\"displayCondition\":[{\"field\":\"1026f9a3-9490-4949-a877-c4d1811bc1e5\",\"value\":\"private\",\"type\":\"remove\",\"operator\":\"=\"}],\"createdAt\":\"2026-11-08T10:00:00.0000000Z\",\"updatedAt\":\"2026-11-08T10:00:00.0000000Z\",\"updatedBy\":\"Captain.legal\",\"visible\":true,\"valid\":true,\"fields\":[{\"id\":\"b6502505-e000-4ba9-a89e-52ee64085bff\",\"stepId\":\"741f87b6-e034-46e6-94ab-0944d67db4ec\",\"type\":\"text\",\"label\":\"Full name of the person signing the letter\",\"placeholder\":\"e.g. Daniel Hughes\",\"helpText\":\"\",\"options\":[],\"mappings\":[\"d8c50c5b-dd2e-4852-a82c-389d9cbcd048\"],\"value\":\"\",\"order\":1,\"createdAt\":\"2026-11-08T10:00:00.0000000Z\",\"updatedAt\":\"2026-11-08T10:00:00.0000000Z\",\"index\":1,\"content\":\"{\\\"label\\\": \\\"Full name of the person signing the letter\\\", \\\"placeholder\\\": \\\"e.g. Daniel Hughes\\\", \\\"helpText\\\": \\\"\\\", \\\"mappings\\\": [\\\"d8c50c5b-dd2e-4852-a82c-389d9cbcd048\\\"]}\",\"visible\":true,\"valid\":true},{\"id\":\"d826dfe4-b3b8-4975-8426-54ddddcfd778\",\"stepId\":\"741f87b6-e034-46e6-94ab-0944d67db4ec\",\"type\":\"text\",\"label\":\"Position of the person signing\",\"placeholder\":\"e.g. Director, Owner or Credit Controller\",\"helpText\":\"A sole trader or a landlord signing personally can write Owner, Proprietor or Landlord.\",\"options\":[],\"mappings\":[\"cfe6ed5a-a052-453f-872a-86a22e8f9a91\"],\"value\":\"\",\"order\":2,\"createdAt\":\"2026-11-08T10:00:00.0000000Z\",\"updatedAt\":\"2026-11-08T10:00:00.0000000Z\",\"index\":2,\"content\":\"{\\\"label\\\":\\\"Position of the person signing\\\",\\\"placeholder\\\":\\\"e.g. Director, Owner or Credit Controller\\\",\\\"helpText\\\":\\\"A sole trader or a landlord signing personally can write Owner, Proprietor or Landlord.\\\",\\\"mappings\\\":[\\\"cfe6ed5a-a052-453f-872a-86a22e8f9a91\\\"]}\",\"visible\":true,\"valid\":true}]},{\"id\":\"49d6fd39-09fa-477b-85f0-fafef6348aa1\",\"stepId\":\"49d6fd39-09fa-477b-85f0-fafef6348aa1\",\"productId\":1967,\"name\":\"The person or business that owes the money\",\"order\":5,\"isDefault\":true,\"displayCondition\":[],\"createdAt\":\"2026-11-08T10:00:00.0000000Z\",\"updatedAt\":\"2026-11-08T10:00:00.0000000Z\",\"updatedBy\":\"Captain.legal\",\"visible\":true,\"valid\":true,\"fields\":[{\"id\":\"e0cdbef3-6cac-4068-8a9f-5f8ef5e4ac5f\",\"stepId\":\"49d6fd39-09fa-477b-85f0-fafef6348aa1\",\"type\":\"text\",\"label\":\"Full name of the person or business that owes the money\",\"placeholder\":\"e.g. Thomas Price, or Price Plumbing Ltd\",\"helpText\":\"An individual: first name and surname. A sole trader: their own name followed by the trading name. A company or an LLP: its registered name exactly as at Companies House. A partnership: the partnership name.\",\"options\":[],\"mappings\":[\"f8c94468-f485-4263-ac16-bf9dc5e47dc4\",\"a9f21fb7-2e45-4ac5-a840-ebbdd76d240e\"],\"value\":\"\",\"order\":1,\"createdAt\":\"2026-11-08T10:00:00.0000000Z\",\"updatedAt\":\"2026-11-08T10:00:00.0000000Z\",\"index\":1,\"content\":\"{\\\"label\\\": \\\"Full name of the person or business that owes the money\\\", \\\"placeholder\\\": \\\"e.g. Thomas Price, or Price Plumbing Ltd\\\", \\\"helpText\\\": \\\"An individual: first name and surname. A sole trader: their own name followed by the trading name. A company or an LLP: its registered name exactly as at Companies House. A partnership: the partnership name.\\\", \\\"mappings\\\": [\\\"f8c94468-f485-4263-ac16-bf9dc5e47dc4\\\", \\\"a9f21fb7-2e45-4ac5-a840-ebbdd76d240e\\\"]}\",\"visible\":true,\"valid\":true},{\"id\":\"7f5c095d-be5a-45bf-afef-8b11936d5ba4\",\"stepId\":\"49d6fd39-09fa-477b-85f0-fafef6348aa1\",\"type\":\"text\",\"label\":\"Their postal address\",\"placeholder\":\"e.g. 22 Elm Road, Bath BA2 4PL\",\"helpText\":\"Their home address, or the registered office of a company or LLP. This letter is for a debtor whose address is in England or Wales.\",\"options\":[],\"mappings\":[\"351f87e2-ef24-4368-953d-9f9da05309bb\"],\"value\":\"\",\"order\":2,\"createdAt\":\"2026-11-08T10:00:00.0000000Z\",\"updatedAt\":\"2026-11-08T10:00:00.0000000Z\",\"index\":2,\"content\":\"{\\\"label\\\": \\\"Their postal address\\\", \\\"placeholder\\\": \\\"e.g. 22 Elm Road, Bath BA2 4PL\\\", \\\"helpText\\\": \\\"Their home address, or the registered office of a company or LLP. This letter is for a debtor whose address is in England or Wales.\\\", \\\"mappings\\\": [\\\"351f87e2-ef24-4368-953d-9f9da05309bb\\\"]}\",\"visible\":true,\"valid\":true},{\"id\":\"39ff7714-d8c5-4ed8-8e39-1676ec432aad\",\"stepId\":\"49d6fd39-09fa-477b-85f0-fafef6348aa1\",\"type\":\"radio\",\"label\":\"How should the letter open?\",\"placeholder\":\"\",\"helpText\":\"A letter that opens with a name closes with Yours sincerely; a letter that opens with Dear Sir or Madam closes with Yours faithfully. The document applies this rule automatically.\",\"options\":[{\"value\":\"named\",\"text\":\"Dear followed by their name (for example Dear Mr Price)\",\"isDefault\":true},{\"value\":\"sir\",\"text\":\"Dear Sir or Madam (for a company or when you do not know whom to address)\",\"isDefault\":false}],\"mappings\":[],\"value\":\"named\",\"order\":3,\"createdAt\":\"2026-11-08T10:00:00.0000000Z\",\"updatedAt\":\"2026-11-08T10:00:00.0000000Z\",\"index\":3,\"content\":\"{\\\"label\\\": \\\"How should the letter open?\\\", \\\"placeholder\\\": \\\"\\\", \\\"helpText\\\": \\\"A letter that opens with a name closes with Yours sincerely; a letter that opens with Dear Sir or Madam closes with Yours faithfully. The document applies this rule automatically.\\\", \\\"mappings\\\": []}\",\"visible\":true,\"valid\":true,\"oneline\":true,\"fieldActions\":[{\"trigger\":{\"field\":\"39ff7714-d8c5-4ed8-8e39-1676ec432aad\",\"value\":\"named\"},\"action\":\"show\",\"fieldId\":\"21175d73-2462-4fc5-8003-f707fe7a0435\"},{\"trigger\":{\"field\":\"39ff7714-d8c5-4ed8-8e39-1676ec432aad\",\"value\":\"sir\"},\"action\":\"hide\",\"fieldId\":\"21175d73-2462-4fc5-8003-f707fe7a0435\"}]},{\"id\":\"21175d73-2462-4fc5-8003-f707fe7a0435\",\"stepId\":\"49d6fd39-09fa-477b-85f0-fafef6348aa1\",\"type\":\"text\",\"label\":\"Name after Dear\",\"placeholder\":\"e.g. Mr Price, or Ms Okafor\",\"helpText\":\"\",\"options\":[],\"mappings\":[\"7b70a139-cc5d-4296-9efd-8b3fe10320e6\"],\"value\":\"\",\"order\":4,\"createdAt\":\"2026-11-08T10:00:00.0000000Z\",\"updatedAt\":\"2026-11-08T10:00:00.0000000Z\",\"index\":4,\"content\":\"{\\\"label\\\": \\\"Name after Dear\\\", \\\"placeholder\\\": \\\"e.g. Mr Price, or Ms Okafor\\\", \\\"helpText\\\": \\\"\\\", \\\"mappings\\\": [\\\"7b70a139-cc5d-4296-9efd-8b3fe10320e6\\\"]}\",\"visible\":true,\"valid\":true}]},{\"id\":\"92e9d96b-2436-41a0-8b31-5d8e2f188e75\",\"stepId\":\"92e9d96b-2436-41a0-8b31-5d8e2f188e75\",\"productId\":1967,\"name\":\"The agreement the debt arises from\",\"order\":6,\"isDefault\":true,\"displayCondition\":[],\"createdAt\":\"2026-11-08T10:00:00.0000000Z\",\"updatedAt\":\"2026-11-08T10:00:00.0000000Z\",\"updatedBy\":\"Captain.legal\",\"visible\":true,\"valid\":true,\"fields\":[{\"id\":\"5789e999-4f9d-4274-ac0a-4ebf9c96b587\",\"stepId\":\"92e9d96b-2436-41a0-8b31-5d8e2f188e75\",\"type\":\"radio\",\"label\":\"Was the agreement made in writing?\",\"placeholder\":\"\",\"helpText\":\"Where the agreement is written, the Pre-Action Protocol requires the letter to give its date and parties and to say that a copy can be requested. Where it was oral, the letter must say who made the agreement, what was agreed (as far as possible, the words used) and when and where it was agreed (paragraph 3.1(a)(iii) and (iv)).\",\"options\":[{\"value\":\"written\",\"text\":\"Yes, in writing (signed contract, accepted quote, order, terms and conditions, tenancy, loan note, emails)\",\"isDefault\":true},{\"value\":\"oral\",\"text\":\"No, it was agreed orally (in person or by telephone)\",\"isDefault\":false}],\"mappings\":[],\"value\":\"written\",\"order\":1,\"createdAt\":\"2026-11-08T10:00:00.0000000Z\",\"updatedAt\":\"2026-11-08T10:00:00.0000000Z\",\"index\":1,\"content\":\"{\\\"label\\\": \\\"Was the agreement made in writing?\\\", \\\"placeholder\\\": \\\"\\\", \\\"helpText\\\": \\\"Where the agreement is written, the Pre-Action Protocol requires the letter to give its date and parties and to say that a copy can be requested. Where it was oral, the letter must say who made the agreement, what was agreed (as far as possible, the words used) and when and where it was agreed (paragraph 3.1(a)(iii) and (iv)).\\\", \\\"mappings\\\": []}\",\"visible\":true,\"valid\":true,\"oneline\":true,\"fieldActions\":[{\"trigger\":{\"field\":\"5789e999-4f9d-4274-ac0a-4ebf9c96b587\",\"value\":\"written\"},\"action\":\"show\",\"fieldId\":\"e05fabb0-5386-455f-ad6d-af46853496d2\"},{\"trigger\":{\"field\":\"5789e999-4f9d-4274-ac0a-4ebf9c96b587\",\"value\":\"written\"},\"action\":\"hide\",\"fieldId\":\"a369ff20-869f-4aca-a381-f86e32ebd9b8\"},{\"trigger\":{\"field\":\"5789e999-4f9d-4274-ac0a-4ebf9c96b587\",\"value\":\"oral\"},\"action\":\"show\",\"fieldId\":\"a369ff20-869f-4aca-a381-f86e32ebd9b8\"},{\"trigger\":{\"field\":\"5789e999-4f9d-4274-ac0a-4ebf9c96b587\",\"value\":\"oral\"},\"action\":\"hide\",\"fieldId\":\"e05fabb0-5386-455f-ad6d-af46853496d2\"}]},{\"id\":\"83389cce-0202-42e7-a5a6-0033636fab45\",\"stepId\":\"92e9d96b-2436-41a0-8b31-5d8e2f188e75\",\"type\":\"text\",\"label\":\"What was agreed, in a few words\",\"placeholder\":\"e.g. the servicing and repair of your car, registration AB21 XYZ\",\"helpText\":\"Complete the sentence: the agreement was for ... For example: a loan of £3,000.00; the sale of a used Ford Fiesta for £4,500.00; the letting of 22 Elm Road, Bath.\",\"options\":[],\"mappings\":[\"41ad6352-7f7b-445f-9725-e9bf824dcd16\",\"257b8d0e-015d-492a-b57f-55504f5581ad\"],\"value\":\"\",\"order\":2,\"createdAt\":\"2026-11-08T10:00:00.0000000Z\",\"updatedAt\":\"2026-11-08T10:00:00.0000000Z\",\"index\":2,\"content\":\"{\\\"label\\\": \\\"What was agreed, in a few words\\\", \\\"placeholder\\\": \\\"e.g. the servicing and repair of your car, registration AB21 XYZ\\\", \\\"helpText\\\": \\\"Complete the sentence: the agreement was for ... For example: a loan of £3,000.00; the sale of a used Ford Fiesta for £4,500.00; the letting of 22 Elm Road, Bath.\\\", \\\"mappings\\\": [\\\"41ad6352-7f7b-445f-9725-e9bf824dcd16\\\", \\\"257b8d0e-015d-492a-b57f-55504f5581ad\\\"]}\",\"visible\":true,\"valid\":true},{\"id\":\"e05fabb0-5386-455f-ad6d-af46853496d2\",\"stepId\":\"92e9d96b-2436-41a0-8b31-5d8e2f188e75\",\"type\":\"date\",\"label\":\"Date of the written agreement\",\"placeholder\":\"e.g. 15/03/2027\",\"helpText\":\"The date it was signed or accepted. If it was made up of several documents, give the date on which it was concluded, for example the date your quote was accepted.\",\"options\":[],\"mappings\":[\"c0d1ba4d-b235-4489-8c61-d0aa19eb2074\"],\"value\":\"\",\"order\":3,\"createdAt\":\"2026-11-08T10:00:00.0000000Z\",\"updatedAt\":\"2026-11-08T10:00:00.0000000Z\",\"index\":3,\"content\":\"{\\\"label\\\": \\\"Date of the written agreement\\\", \\\"placeholder\\\": \\\"e.g. 15/03/2027\\\", \\\"helpText\\\": \\\"The date it was signed or accepted. If it was made up of several documents, give the date on which it was concluded, for example the date your quote was accepted.\\\", \\\"mappings\\\": [\\\"c0d1ba4d-b235-4489-8c61-d0aa19eb2074\\\"]}\",\"visible\":true,\"valid\":true},{\"id\":\"a369ff20-869f-4aca-a381-f86e32ebd9b8\",\"stepId\":\"92e9d96b-2436-41a0-8b31-5d8e2f188e75\",\"type\":\"textarea\",\"label\":\"Who made the agreement, what was said, and when and where\",\"placeholder\":\"e.g. You and I agreed in person at your home, 22 Elm Road, Bath, on 2 March 2026, that I would lend you £3,000.00 and that you would repay it in full by 31 August 2026.\",\"helpText\":\"\",\"options\":[],\"mappings\":[\"1b8256b8-9742-4727-9025-3a18f964f0ee\"],\"value\":\"\",\"order\":4,\"createdAt\":\"2026-11-08T10:00:00.0000000Z\",\"updatedAt\":\"2026-11-08T10:00:00.0000000Z\",\"index\":4,\"content\":\"{\\\"label\\\": \\\"Who made the agreement, what was said, and when and where\\\", \\\"placeholder\\\": \\\"e.g. You and I agreed in person at your home, 22 Elm Road, Bath, on 2 March 2026, that I would lend you £3,000.00 and that you would repay it in full by 31 August 2026.\\\", \\\"helpText\\\": \\\"\\\", \\\"mappings\\\": [\\\"1b8256b8-9742-4727-9025-3a18f964f0ee\\\"]}\",\"visible\":true,\"valid\":true,\"initiallyHidden\":true}]},{\"id\":\"0760bdec-f1c1-43eb-9c72-1c91639b065b\",\"stepId\":\"0760bdec-f1c1-43eb-9c72-1c91639b065b\",\"productId\":1967,\"name\":\"The amount owed\",\"order\":7,\"isDefault\":true,\"displayCondition\":[],\"createdAt\":\"2026-11-08T10:00:00.0000000Z\",\"updatedAt\":\"2026-11-08T10:00:00.0000000Z\",\"updatedBy\":\"Captain.legal\",\"visible\":true,\"valid\":true,\"fields\":[{\"id\":\"da4386ec-a57b-4e16-8a1e-d1e4dd6692af\",\"stepId\":\"0760bdec-f1c1-43eb-9c72-1c91639b065b\",\"type\":\"text\",\"label\":\"Balance now due, excluding interest\",\"placeholder\":\"e.g. £4,250.00\",\"helpText\":\"The amount still owed after deducting every payment received. Interest is dealt with at the next step.\",\"options\":[],\"mappings\":[\"b95ec954-92c8-4902-ba74-4ec68490129a\",\"b15669c1-782d-42c5-982b-86a58d5efd0d\",\"a68eae3a-c579-40e5-9ec5-74db4842d22c\",\"e7a7873f-a2a8-44ad-a851-5f0d728ef695\",\"2eebb668-20cb-460e-a2be-ba2adaeaf953\"],\"value\":\"\",\"order\":1,\"createdAt\":\"2026-11-08T10:00:00.0000000Z\",\"updatedAt\":\"2026-11-08T10:00:00.0000000Z\",\"index\":1,\"content\":\"{\\\"label\\\": \\\"Balance now due, excluding interest\\\", \\\"placeholder\\\": \\\"e.g. £4,250.00\\\", \\\"helpText\\\": \\\"The amount still owed after deducting every payment received. Interest is dealt with at the next step.\\\", \\\"mappings\\\": [\\\"b95ec954-92c8-4902-ba74-4ec68490129a\\\", \\\"b15669c1-782d-42c5-982b-86a58d5efd0d\\\", \\\"a68eae3a-c579-40e5-9ec5-74db4842d22c\\\", \\\"e7a7873f-a2a8-44ad-a851-5f0d728ef695\\\", \\\"2eebb668-20cb-460e-a2be-ba2adaeaf953\\\"]}\",\"visible\":true,\"valid\":true},{\"id\":\"e6b3f4fd-1fb9-4454-8a3e-bd380896714b\",\"stepId\":\"0760bdec-f1c1-43eb-9c72-1c91639b065b\",\"type\":\"textarea\",\"label\":\"Sums that fell due, before deducting payments\",\"placeholder\":\"e.g. Invoice INV-1042 dated 3 July 2026, due 2 August 2026: £2,400.00\\nInvoice INV-1057 dated 4 August 2026, due 3 September 2026: £2,350.00\",\"helpText\":\"One line per invoice, instalment, month of rent or other sum, with the date it fell due and its full amount. Payments received are deducted in the next field: the sums listed here, less those payments, must equal the balance due. Do not add any charge that the agreement or the law does not allow.\",\"options\":[],\"mappings\":[\"0b8b0654-3063-4103-aa4b-cb972b21946d\"],\"value\":\"\",\"order\":2,\"createdAt\":\"2026-11-08T10:00:00.0000000Z\",\"updatedAt\":\"2026-11-08T10:00:00.0000000Z\",\"index\":2,\"content\":\"{\\\"label\\\": \\\"Sums that fell due, before deducting payments\\\", \\\"placeholder\\\": \\\"e.g. Invoice INV-1042 dated 3 July 2026, due 2 August 2026: £2,400.00\\\\nInvoice INV-1057 dated 4 August 2026, due 3 September 2026: £2,350.00\\\", \\\"helpText\\\": \\\"One line per invoice, instalment, month of rent or other sum, with the date it fell due and its full amount. Payments received are deducted in the next field: the sums listed here, less those payments, must equal the balance due. Do not add any charge that the agreement or the law does not allow.\\\", \\\"mappings\\\": [\\\"0b8b0654-3063-4103-aa4b-cb972b21946d\\\"]}\",\"visible\":true,\"valid\":true},{\"id\":\"523fb19f-777b-465d-ba70-e6e5f74c2ec6\",\"stepId\":\"0760bdec-f1c1-43eb-9c72-1c91639b065b\",\"type\":\"text\",\"label\":\"Payments already received\",\"placeholder\":\"e.g. £500.00 received on 14 August 2026, or none\",\"helpText\":\"Each payment with its date, or none if nothing has been paid.\",\"options\":[],\"mappings\":[\"c32b1d1b-a098-434e-8957-d644ff19b127\"],\"value\":\"\",\"order\":3,\"createdAt\":\"2026-11-08T10:00:00.0000000Z\",\"updatedAt\":\"2026-11-08T10:00:00.0000000Z\",\"index\":3,\"content\":\"{\\\"label\\\":\\\"Payments already received\\\",\\\"placeholder\\\":\\\"e.g. £500.00 received on 14 August 2026, or none\\\",\\\"helpText\\\":\\\"Each payment with its date, or none if nothing has been paid.\\\",\\\"mappings\\\":[\\\"c32b1d1b-a098-434e-8957-d644ff19b127\\\"]}\",\"visible\":true,\"valid\":true},{\"id\":\"921567fb-e327-44e6-b90e-bda2ef7ba6dc\",\"stepId\":\"0760bdec-f1c1-43eb-9c72-1c91639b065b\",\"type\":\"text\",\"label\":\"Copies of documents you will enclose\",\"placeholder\":\"e.g. copies of invoices INV-1042 and INV-1057 and of our signed quote\",\"helpText\":\"Enclose copies (never originals) of the key documents: the agreement or quote, the invoices, the tenancy, the loan note or messages showing the loan. Under the Pre-Action Protocol, the Information Sheet, the Reply Form, the Financial Statement and the statement of account are added to the list automatically.\",\"options\":[],\"mappings\":[\"655ead6b-626d-4920-9c6b-bcfec31b0476\",\"32dd780f-d41c-446d-96a6-4a6e68cf5e83\"],\"value\":\"\",\"order\":4,\"createdAt\":\"2026-11-08T10:00:00.0000000Z\",\"updatedAt\":\"2026-11-08T10:00:00.0000000Z\",\"index\":4,\"content\":\"{\\\"label\\\": \\\"Copies of documents you will enclose\\\", \\\"placeholder\\\": \\\"e.g. copies of invoices INV-1042 and INV-1057 and of our signed quote\\\", \\\"helpText\\\": \\\"Enclose copies (never originals) of the key documents: the agreement or quote, the invoices, the tenancy, the loan note or messages showing the loan. Under the Pre-Action Protocol, the Information Sheet, the Reply Form, the Financial Statement and the statement of account are added to the list automatically.\\\", \\\"mappings\\\": [\\\"655ead6b-626d-4920-9c6b-bcfec31b0476\\\", \\\"32dd780f-d41c-446d-96a6-4a6e68cf5e83\\\"]}\",\"visible\":true,\"valid\":true}]},{\"id\":\"3cc3dd5b-3389-49fc-875d-22231629bcca\",\"stepId\":\"3cc3dd5b-3389-49fc-875d-22231629bcca\",\"productId\":1967,\"name\":\"Interest\",\"order\":8,\"isDefault\":true,\"displayCondition\":[],\"createdAt\":\"2026-11-08T10:00:00.0000000Z\",\"updatedAt\":\"2026-11-08T10:00:00.0000000Z\",\"updatedBy\":\"Captain.legal\",\"visible\":true,\"valid\":true,\"fields\":[{\"id\":\"2825dcca-67e1-4db1-8e17-3bcc6f094a1f\",\"stepId\":\"3cc3dd5b-3389-49fc-875d-22231629bcca\",\"type\":\"radio\",\"label\":\"Do you claim interest in this letter?\",\"placeholder\":\"\",\"helpText\":\"Contractual interest: only if the agreement sets a rate for late payment. Statutory late payment interest: under the Late Payment of Commercial Debts (Interest) Act 1998, a debt under a contract for goods or services between two businesses carries simple interest at 8% a year above the Bank of England base rate, plus fixed compensation of £40, £70 or £100 per debt (sections 1, 2, 4 and 5A); it does not apply to a private individual, to a loan, or to a consumer credit agreement, and is not available if the contract already provides a substantial remedy for late payment. If you choose it as a private individual, the letter keeps the court interest wording. Otherwise, choose no interest: if you go to court, the court may award simple interest under section 69 of the County Courts Act 1984 at such rate as it thinks fit (the gov.uk guide says the rate is usually 8%). Between businesses, statutory interest runs automatically on a contract for goods or services, and the no-interest wording reserves it.\",\"options\":[{\"value\":\"none\",\"text\":\"No interest now: the right to ask the court for interest is reserved\",\"isDefault\":true},{\"value\":\"contract\",\"text\":\"Yes, interest at a rate agreed in the contract\",\"isDefault\":false},{\"value\":\"lpa\",\"text\":\"Yes, statutory late payment interest and fixed compensation (only when you and the debtor both acted in the course of a business)\",\"isDefault\":false}],\"mappings\":[],\"value\":\"none\",\"order\":1,\"createdAt\":\"2026-11-08T10:00:00.0000000Z\",\"updatedAt\":\"2026-11-08T10:00:00.0000000Z\",\"index\":1,\"content\":\"{\\\"label\\\":\\\"Do you claim interest in this letter?\\\",\\\"placeholder\\\":\\\"\\\",\\\"helpText\\\":\\\"Contractual interest: only if the agreement sets a rate for late payment. Statutory late payment interest: under the Late Payment of Commercial Debts (Interest) Act 1998, a debt under a contract for goods or services between two businesses carries simple interest at 8% a year above the Bank of England base rate, plus fixed compensation of £40, £70 or £100 per debt (sections 1, 2, 4 and 5A); it does not apply to a private individual, to a loan, or to a consumer credit agreement, and is not available if the contract already provides a substantial remedy for late payment. If you choose it as a private individual, the letter keeps the court interest wording. Otherwise, choose no interest: if you go to court, the court may award simple interest under section 69 of the County Courts Act 1984 at such rate as it thinks fit (the gov.uk guide says the rate is usually 8%). Between businesses, statutory interest runs automatically on a contract for goods or services, and the no-interest wording reserves it.\\\",\\\"mappings\\\":[]}\",\"visible\":true,\"valid\":true,\"oneline\":true}]},{\"id\":\"4b1c7a4b-d005-4373-9482-6a96e638e150\",\"stepId\":\"4b1c7a4b-d005-4373-9482-6a96e638e150\",\"productId\":1967,\"name\":\"Contractual interest\",\"order\":9,\"isDefault\":true,\"displayCondition\":[{\"field\":\"2825dcca-67e1-4db1-8e17-3bcc6f094a1f\",\"value\":\"contract\",\"type\":\"add\",\"operator\":\"=\"}],\"createdAt\":\"2026-11-08T10:00:00.0000000Z\",\"updatedAt\":\"2026-11-08T10:00:00.0000000Z\",\"updatedBy\":\"Captain.legal\",\"visible\":true,\"valid\":true,\"fields\":[{\"id\":\"286ce383-3b9f-48e7-bb42-8359fb70cbe9\",\"stepId\":\"4b1c7a4b-d005-4373-9482-6a96e638e150\",\"type\":\"text\",\"label\":\"Agreed interest rate and where it is agreed\",\"placeholder\":\"e.g. 2% a month (clause 9 of our terms and conditions)\",\"helpText\":\"Copy the rate exactly as the contract states it, with the clause number.\",\"options\":[],\"mappings\":[\"c1a33c64-61c8-4df6-b7ca-4fefcdf3cc4a\",\"d00cf1d7-50cb-490a-bab6-2c679d74b626\"],\"value\":\"\",\"order\":1,\"createdAt\":\"2026-11-08T10:00:00.0000000Z\",\"updatedAt\":\"2026-11-08T10:00:00.0000000Z\",\"index\":1,\"content\":\"{\\\"label\\\": \\\"Agreed interest rate and where it is agreed\\\", \\\"placeholder\\\": \\\"e.g. 2% a month (clause 9 of our terms and conditions)\\\", \\\"helpText\\\": \\\"Copy the rate exactly as the contract states it, with the clause number.\\\", \\\"mappings\\\": [\\\"c1a33c64-61c8-4df6-b7ca-4fefcdf3cc4a\\\", \\\"d00cf1d7-50cb-490a-bab6-2c679d74b626\\\"]}\",\"visible\":true,\"valid\":true},{\"id\":\"5ff852b4-c176-4b00-aa00-f9e36f4652a8\",\"stepId\":\"4b1c7a4b-d005-4373-9482-6a96e638e150\",\"type\":\"text\",\"label\":\"Contractual interest accrued up to the date of the letter\",\"placeholder\":\"e.g. £126.40\",\"helpText\":\"Calculate it on the overdue balance from each due date up to the date of the letter. The Pre-Action Protocol requires the letter to state the interest added and whether it is continuing.\",\"options\":[],\"mappings\":[\"d181a7ad-9b08-484f-8ee6-c31ea25edd99\",\"df97cb0a-a618-4b89-8156-eca5e3ae5219\"],\"value\":\"\",\"order\":2,\"createdAt\":\"2026-11-08T10:00:00.0000000Z\",\"updatedAt\":\"2026-11-08T10:00:00.0000000Z\",\"index\":2,\"content\":\"{\\\"label\\\": \\\"Contractual interest accrued up to the date of the letter\\\", \\\"placeholder\\\": \\\"e.g. £126.40\\\", \\\"helpText\\\": \\\"Calculate it on the overdue balance from each due date up to the date of the letter. The Pre-Action Protocol requires the letter to state the interest added and whether it is continuing.\\\", \\\"mappings\\\": [\\\"d181a7ad-9b08-484f-8ee6-c31ea25edd99\\\", \\\"df97cb0a-a618-4b89-8156-eca5e3ae5219\\\"]}\",\"visible\":true,\"valid\":true}]},{\"id\":\"a816db26-ae03-411d-a04a-72126380fd61\",\"stepId\":\"a816db26-ae03-411d-a04a-72126380fd61\",\"productId\":1967,\"name\":\"Statutory late payment interest\",\"order\":10,\"isDefault\":true,\"displayCondition\":[{\"field\":\"2825dcca-67e1-4db1-8e17-3bcc6f094a1f\",\"value\":\"lpa\",\"type\":\"add\",\"operator\":\"=\"},{\"field\":\"1026f9a3-9490-4949-a877-c4d1811bc1e5\",\"value\":\"private\",\"type\":\"remove\",\"operator\":\"=\"}],\"createdAt\":\"2026-11-08T10:00:00.0000000Z\",\"updatedAt\":\"2026-11-08T10:00:00.0000000Z\",\"updatedBy\":\"Captain.legal\",\"visible\":true,\"valid\":true,\"fields\":[{\"id\":\"92ac229d-eec1-4e30-8eed-4c050fb96e1f\",\"stepId\":\"a816db26-ae03-411d-a04a-72126380fd61\",\"type\":\"text\",\"label\":\"Statutory interest rate that applies\",\"placeholder\":\"e.g. 11.75% a year (8% plus the base rate of 3.75%)\",\"helpText\":\"Add 8% to the Bank of England base rate in force on 30 June (for interest that started to run between 1 July and 31 December) or on 31 December (for interest that started to run between 1 January and 30 June) immediately before the debt became overdue (Late Payment of Commercial Debts (Rate of Interest) (No. 3) Order 2002, article 4). Use the base rate in force on that reference date, not today's rate: for example, the base rate was 3.75% on both 31 December 2025 and 30 June 2026, so the rate is 11.75% a year for interest that started to run in 2026. The rate stays fixed for that debt. Bank Rate rose to 4% on 5 November 2026: this does not change the 11.75% rate for debts that became overdue in 2026; for interest that starts to run between 1 January and 30 June 2027, use the base rate in force on 31 December 2026.\",\"options\":[],\"mappings\":[\"bb4f9d94-4feb-471c-970b-4755ac55f028\"],\"value\":\"\",\"order\":1,\"createdAt\":\"2026-11-08T10:00:00.0000000Z\",\"updatedAt\":\"2026-11-08T10:00:00.0000000Z\",\"index\":1,\"content\":\"{\\\"label\\\":\\\"Statutory interest rate that applies\\\",\\\"placeholder\\\":\\\"e.g. 11.75% a year (8% plus the base rate of 3.75%)\\\",\\\"helpText\\\":\\\"Add 8% to the Bank of England base rate in force on 30 June (for interest that started to run between 1 July and 31 December) or on 31 December (for interest that started to run between 1 January and 30 June) immediately before the debt became overdue (Late Payment of Commercial Debts (Rate of Interest) (No. 3) Order 2002, article 4). Use the base rate in force on that reference date, not today's rate: for example, the base rate was 3.75% on both 31 December 2025 and 30 June 2026, so the rate is 11.75% a year for interest that started to run in 2026. The rate stays fixed for that debt. Bank Rate rose to 4% on 5 November 2026: this does not change the 11.75% rate for debts that became overdue in 2026; for interest that starts to run between 1 January and 30 June 2027, use the base rate in force on 31 December 2026.\\\",\\\"mappings\\\":[\\\"bb4f9d94-4feb-471c-970b-4755ac55f028\\\"]}\",\"visible\":true,\"valid\":true},{\"id\":\"44fb9cd9-6513-4e63-8512-f54c0eb0ce9a\",\"stepId\":\"a816db26-ae03-411d-a04a-72126380fd61\",\"type\":\"text\",\"label\":\"Statutory interest accrued up to the date of the letter\",\"placeholder\":\"e.g. £84.32\",\"helpText\":\"Simple interest: balance x rate / 365 x the number of days the debt has been overdue, counting from the day after the due date up to and including the date of the letter. Where no payment date was agreed, interest runs from the day after the 30-day period that starts when the goods or services were supplied or the invoice was received, if later (section 4).\",\"options\":[],\"mappings\":[\"314c811b-50dc-487f-a71b-3bc9cc60935c\"],\"value\":\"\",\"order\":2,\"createdAt\":\"2026-11-08T10:00:00.0000000Z\",\"updatedAt\":\"2026-11-08T10:00:00.0000000Z\",\"index\":2,\"content\":\"{\\\"label\\\": \\\"Statutory interest accrued up to the date of the letter\\\", \\\"placeholder\\\": \\\"e.g. £84.32\\\", \\\"helpText\\\": \\\"Simple interest: balance x rate / 365 x the number of days the debt has been overdue, counting from the day after the due date up to and including the date of the letter. Where no payment date was agreed, interest runs from the day after the 30-day period that starts when the goods or services were supplied or the invoice was received, if later (section 4).\\\", \\\"mappings\\\": [\\\"314c811b-50dc-487f-a71b-3bc9cc60935c\\\"]}\",\"visible\":true,\"valid\":true},{\"id\":\"ff09c83d-ee4e-4178-b0bb-3ec9afb64a89\",\"stepId\":\"a816db26-ae03-411d-a04a-72126380fd61\",\"type\":\"text\",\"label\":\"Fixed compensation claimed\",\"placeholder\":\"e.g. £140.00 (£70.00 for each of invoices INV-1042 and INV-1057)\",\"helpText\":\"For each overdue debt (usually each invoice): £40 if it is less than £1,000; £70 from £1,000 to less than £10,000; £100 from £10,000 (section 5A of the 1998 Act).\",\"options\":[],\"mappings\":[\"9724ae8a-3c45-44a1-9271-3ca7e0979a2e\"],\"value\":\"\",\"order\":3,\"createdAt\":\"2026-11-08T10:00:00.0000000Z\",\"updatedAt\":\"2026-11-08T10:00:00.0000000Z\",\"index\":3,\"content\":\"{\\\"label\\\": \\\"Fixed compensation claimed\\\", \\\"placeholder\\\": \\\"e.g. £140.00 (£70.00 for each of invoices INV-1042 and INV-1057)\\\", \\\"helpText\\\": \\\"For each overdue debt (usually each invoice): £40 if it is less than £1,000; £70 from £1,000 to less than £10,000; £100 from £10,000 (section 5A of the 1998 Act).\\\", \\\"mappings\\\": [\\\"9724ae8a-3c45-44a1-9271-3ca7e0979a2e\\\"]}\",\"visible\":true,\"valid\":true}]},{\"id\":\"d6c15d27-e5b5-429a-be8c-a6e061ae6baa\",\"stepId\":\"d6c15d27-e5b5-429a-be8c-a6e061ae6baa\",\"productId\":1967,\"name\":\"Instalment offers\",\"order\":11,\"isDefault\":true,\"displayCondition\":[],\"createdAt\":\"2026-11-08T10:00:00.0000000Z\",\"updatedAt\":\"2026-11-08T10:00:00.0000000Z\",\"updatedBy\":\"Captain.legal\",\"visible\":true,\"valid\":true,\"fields\":[{\"id\":\"f47d45c4-b758-4b87-9756-b5dcb0d8f68b\",\"stepId\":\"d6c15d27-e5b5-429a-be8c-a6e061ae6baa\",\"type\":\"radio\",\"label\":\"Has the debtor offered to pay, or been paying, by instalments?\",\"placeholder\":\"\",\"helpText\":\"If instalments are being offered or paid, the Pre-Action Protocol requires the letter to explain why the offer is not acceptable and why a court claim is still being considered (paragraph 3.1(a)(vi)).\",\"options\":[{\"value\":\"no\",\"text\":\"No\",\"isDefault\":true},{\"value\":\"yes\",\"text\":\"Yes\",\"isDefault\":false}],\"mappings\":[],\"value\":\"no\",\"order\":1,\"createdAt\":\"2026-11-08T10:00:00.0000000Z\",\"updatedAt\":\"2026-11-08T10:00:00.0000000Z\",\"index\":1,\"content\":\"{\\\"label\\\": \\\"Has the debtor offered to pay, or been paying, by instalments?\\\", \\\"placeholder\\\": \\\"\\\", \\\"helpText\\\": \\\"If instalments are being offered or paid, the Pre-Action Protocol requires the letter to explain why the offer is not acceptable and why a court claim is still being considered (paragraph 3.1(a)(vi)).\\\", \\\"mappings\\\": []}\",\"visible\":true,\"valid\":true,\"fieldActions\":[{\"trigger\":{\"field\":\"f47d45c4-b758-4b87-9756-b5dcb0d8f68b\",\"value\":\"yes\"},\"action\":\"show\",\"fieldId\":\"45ebc811-43a9-496b-a429-23470be83b4a\"},{\"trigger\":{\"field\":\"f47d45c4-b758-4b87-9756-b5dcb0d8f68b\",\"value\":\"no\"},\"action\":\"hide\",\"fieldId\":\"45ebc811-43a9-496b-a429-23470be83b4a\"}]},{\"id\":\"45ebc811-43a9-496b-a429-23470be83b4a\",\"stepId\":\"d6c15d27-e5b5-429a-be8c-a6e061ae6baa\",\"type\":\"textarea\",\"label\":\"What was offered or paid, and why it is not acceptable\",\"placeholder\":\"e.g. On 2 October 2026 you offered to pay £25.00 a month. At that rate the debt would take more than 14 years to clear, and you have not given any information about your income and outgoings.\",\"helpText\":\"\",\"options\":[],\"mappings\":[\"32947b5b-edd9-4896-be5d-79177482e28c\",\"825e1b4e-2fc7-46e0-bcd6-0b4942d8682d\",\"ef878235-d3be-4a56-ac6d-8ba75680eb7f\"],\"value\":\"\",\"order\":2,\"createdAt\":\"2026-11-08T10:00:00.0000000Z\",\"updatedAt\":\"2026-11-08T10:00:00.0000000Z\",\"index\":2,\"content\":\"{\\\"label\\\": \\\"What was offered or paid, and why it is not acceptable\\\", \\\"placeholder\\\": \\\"e.g. On 2 October 2026 you offered to pay £25.00 a month. At that rate the debt would take more than 14 years to clear, and you have not given any information about your income and outgoings.\\\", \\\"helpText\\\": \\\"\\\", \\\"mappings\\\": [\\\"32947b5b-edd9-4896-be5d-79177482e28c\\\", \\\"825e1b4e-2fc7-46e0-bcd6-0b4942d8682d\\\", \\\"ef878235-d3be-4a56-ac6d-8ba75680eb7f\\\"]}\",\"visible\":true,\"valid\":true,\"initiallyHidden\":true}]},{\"id\":\"361407a2-8126-4608-8e4e-3a2780ab84e0\",\"stepId\":\"361407a2-8126-4608-8e4e-3a2780ab84e0\",\"productId\":1967,\"name\":\"How the debtor should pay\",\"order\":12,\"isDefault\":true,\"displayCondition\":[],\"createdAt\":\"2026-11-08T10:00:00.0000000Z\",\"updatedAt\":\"2026-11-08T10:00:00.0000000Z\",\"updatedBy\":\"Captain.legal\",\"visible\":true,\"valid\":true,\"fields\":[{\"id\":\"58a826f2-7aa1-41c1-8832-81fc85c24161\",\"stepId\":\"361407a2-8126-4608-8e4e-3a2780ab84e0\",\"type\":\"text\",\"label\":\"Name of the bank account to be paid\",\"placeholder\":\"e.g. Harbour Joinery Ltd\",\"helpText\":\"\",\"options\":[],\"mappings\":[\"1797c1c5-8412-4f4e-a9e4-9b57b0fcbf9a\"],\"value\":\"\",\"order\":1,\"createdAt\":\"2026-11-08T10:00:00.0000000Z\",\"updatedAt\":\"2026-11-08T10:00:00.0000000Z\",\"index\":1,\"content\":\"{\\\"label\\\": \\\"Name of the bank account to be paid\\\", \\\"placeholder\\\": \\\"e.g. Harbour Joinery Ltd\\\", \\\"helpText\\\": \\\"\\\", \\\"mappings\\\": [\\\"1797c1c5-8412-4f4e-a9e4-9b57b0fcbf9a\\\"]}\",\"visible\":true,\"valid\":true},{\"id\":\"a6f7b0bc-ba4b-4d3a-a04e-c1b1ed9133cb\",\"stepId\":\"361407a2-8126-4608-8e4e-3a2780ab84e0\",\"type\":\"text\",\"label\":\"Sort code\",\"placeholder\":\"e.g. 12-34-56\",\"helpText\":\"\",\"options\":[],\"mappings\":[\"f0873a5d-b676-426b-b325-3d4a59cf3db0\"],\"value\":\"\",\"order\":2,\"createdAt\":\"2026-11-08T10:00:00.0000000Z\",\"updatedAt\":\"2026-11-08T10:00:00.0000000Z\",\"index\":2,\"content\":\"{\\\"label\\\": \\\"Sort code\\\", \\\"placeholder\\\": \\\"e.g. 12-34-56\\\", \\\"helpText\\\": \\\"\\\", \\\"mappings\\\": [\\\"f0873a5d-b676-426b-b325-3d4a59cf3db0\\\"]}\",\"visible\":true,\"valid\":true},{\"id\":\"d00dc202-c171-48f7-9126-e9486dbed0db\",\"stepId\":\"361407a2-8126-4608-8e4e-3a2780ab84e0\",\"type\":\"text\",\"label\":\"Account number\",\"placeholder\":\"e.g. 12345678\",\"helpText\":\"\",\"options\":[],\"mappings\":[\"922dbd92-eb75-4097-a87c-dc2552860e28\"],\"value\":\"\",\"order\":3,\"createdAt\":\"2026-11-08T10:00:00.0000000Z\",\"updatedAt\":\"2026-11-08T10:00:00.0000000Z\",\"index\":3,\"content\":\"{\\\"label\\\": \\\"Account number\\\", \\\"placeholder\\\": \\\"e.g. 12345678\\\", \\\"helpText\\\": \\\"\\\", \\\"mappings\\\": [\\\"922dbd92-eb75-4097-a87c-dc2552860e28\\\"]}\",\"visible\":true,\"valid\":true}]},{\"id\":\"0734f859-ba7c-463f-b0a6-a107bf7fdf92\",\"stepId\":\"0734f859-ba7c-463f-b0a6-a107bf7fdf92\",\"productId\":1967,\"name\":\"Review and finish\",\"order\":13,\"isDefault\":true,\"displayCondition\":[],\"createdAt\":\"2026-11-08T10:00:00.0000000Z\",\"updatedAt\":\"2026-11-08T10:00:00.0000000Z\",\"updatedBy\":\"Captain.legal\",\"visible\":true,\"valid\":true,\"fields\":[{\"id\":\"53fcd549-c452-4da1-a336-f9ee4b96fffd\",\"stepId\":\"0734f859-ba7c-463f-b0a6-a107bf7fdf92\",\"type\":\"label\",\"label\":\"All the information needed has been collected. Check the letter on the right, then click Finish to generate it in Word and PDF. The last page contains notes for you: do not send it. Sign the letter, post it on the date shown and keep proof of posting.\",\"placeholder\":\"\",\"helpText\":\"\",\"options\":[],\"mappings\":[],\"value\":\"\",\"order\":1,\"createdAt\":\"2026-11-08T10:00:00.0000000Z\",\"updatedAt\":\"2026-11-08T10:00:00.0000000Z\",\"index\":1,\"content\":\"{\\\"label\\\": \\\"All the information needed has been collected. Check the letter on the right, then click Finish to generate it in Word and PDF. The last page contains notes for you: do not send it. Sign the letter, post it on the date shown and keep proof of posting.\\\", \\\"placeholder\\\": \\\"\\\", \\\"helpText\\\": \\\"\\\", \\\"mappings\\\": []}\",\"visible\":true,\"valid\":true}]}]"}