Lent Money That Isn't Coming Back?
We Help You Recover What You're Owed.
Personal loans, verbal agreements, bank transfer records — if there's evidence, there's a basis to claim. For amounts ≤HK$75,000, the Small Claims Tribunal offers a straightforward path without needing a lawyer.
How to Pursue This Type of Claim
How Is an Unpaid Loan Claim Typically Handled?
Gather Proof of the Loan
Collect IOU documents, FPS transfer records, or bank transfer screenshots showing the amount and date lent. If what you are owed is really an unpaid invoice for work you completed, start with service-fee recovery.
Send a Written Repayment Demand
Request repayment via WhatsApp, text or letter, and keep all conversation records.
Calculate the Total Owed
Add the principal and any agreed interest (if applicable), confirming the total is ≤HK$75,000. If the amount is the price of goods you delivered, start with goods-payment recovery.
File with the Small Claims Tribunal
If negotiation fails, file a claim. We help you complete the claim form with a clear account of the loan.
What Evidence Do You Need for a Loan Recovery Claim?
Common items to prepare:
Loan Agreement / IOU
Written documentation stating the amount, date, and repayment terms.
Transfer / Payment Records
Bank transfer records or FPS screenshots confirming the loan was made.
Repayment Demand Records
WhatsApp or text messages showing the borrower's delay or refusal to repay.
Repayment Plan (if any)
Records of any agreed repayment schedule, showing the breach of arrangement.
How We Help
How We Help
Case Assessment: We review the loan details and available evidence to assess viability.
Evidence Organisation: We help organise your IOU, transfer records, and demand messages.
Filing Support: We assist in completing the claim form with clear facts and amounts.
Pre-Hearing Preparation: We walk you through the hearing process and what to say, so you feel confident on the day.
Verbal loans without written records can be harder to prove. We help you organise whatever evidence you have, but the final outcome is determined by the Tribunal based on the facts presented.
EasyDebt is a filing support consultant, not a law firm, and does not provide legal advice. All content is for general reference only.
Money You Lent Should Come Back
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