Third Party Debt Order Solicitors in Milton Keynes & Northampton

A Third Party Debt Order (TPDO) is a powerful enforcement tool used to recover unpaid debts directly from a debtor’s bank or building society account. If you know the debtor has funds in an account, a TPDO can compel the bank to transfer the owed money to you.

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At Franklins Solicitors LLP, our debt recovery team has experience securing these orders swiftly and effectively.

What is a Third Party Debt Order?

A TPDO allows you, as a judgment creditor, to recover the debt from a third party that holds money for the debtor, typically a bank. If successful:

  • The funds in the debtor’s account are frozen immediately (subject to court approval)
  • The court may later order that the monies be paid directly to you

Requirements for Applying

To apply for a TPDO, you’ll need:

  • The debtor’s bank or building society details
  • Knowledge that the account holds sufficient funds
  • Confirmation that the third party (bank) is within England & Wales jurisdiction

This information may already have been obtained through a court order to disclose financial details.

How the Process Works

  1. Initial Application
    A Judge will review the application without a hearing. If valid, an interim order is issued, temporarily freezing the funds.
  2. Court Hearing
    A final hearing is scheduled. The court decides whether to grant the final order to transfer the funds.
  3. Hardship Provisions
    If the debtor or their dependents would suffer hardship as a result of the frozen funds, they may apply for partial access to the account before the final order.

When Is a TPDO Effective?

  • The debtor is ignoring other enforcement methods
  • You are aware the debtor has money in a bank account
  • You want to avoid lengthy enforcement proceedings such as bailiffs or bankruptcy

This route is especially useful in commercial and consumer debt recovery when swift access to funds is crucial.

Expert Guidance from Franklins Solicitors

We assist with every stage of the process, including:

  • Advising on the viability of a TPDO
  • Drafting and submitting the application
  • Representing you at any required hearings
  • Enforcing any court orders granted

If you need help or support with a third party debt order, Franklins Solicitors has more than 40+ years of experience in helping clients to reach the best possible outcome.

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Frequently Asked Questions about Third Party Debt Orders

What is a third party debt order?

A third party debt order allows the creditor to directly take monies from wherever funds are held by a third party- usually a bank account.

How long does a third party debt order take?

If a third party debt order is granted then the monies can be secured within a few months of judgment.

Can a debt collector take money from my bank account without authorisation?

If a third party debt order is granted it allows for the creditor to take funds directly from where the funds are held – usually a bank account.

Can creditors see a bank account balance?

Yes, if the court orders a third party debt order it can place a freeze on a bank account, request the bank account balance and ask for monies to paid out directly from that bank acount to settle a debt.

Contact the Franklins Third Party Debt Order team

If you have any questions about third party debt order, please don’t hesitate to contact our team of experts who are on hand and ready to help you.