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Debt Recovery

Football Debt Recovery

Recover your debt.

Have players left your club without paying back their debt? Sadly, you're not alone. Every season a number of clubs are left out of pocket by players who haven't paid their debts. Over time, this can have huge financial impact on club's and causes many to fold. 

At Middlesex FA we operate a system to collect football debts on behalf of our affiliated clubs and leagues. 

As described under FA Regulations, football debts are defined as those where actual monies have been expended arising from football activity and as such would include:

  • Match costs (e.g. match fees)
  • Fines from discipline cases
  • Playing expenses (e.g. pitch hire)
  • League costs (e.g. repairs to cups)

The following are not considered to be football debts:

  • Club subscriptions
  • Fund raising activities 
  • League fines
  • Kit and equipment
  • End of season trip costs

There are strict timelines and criteria under which football debts can be chased and we're unable to deal with any debts that do not conform with FA regulations. We therefore recommend that all Clubs familiarise themselves with the procedures, the key points of which are highlighted below:

Reasonable steps

Clubs/Leagues should take reasonable steps to recover the debt before asking Middlesex FA to take action, including:

  • Approaching debtor personally and contacting them in writing to seek payment
  • Not playing the player as soon as it becomes obvious that there is an issue with recovering monies

When writing to the player the club should advise the debtor that the debt will rise once it is referred to Middlesex FA as a Football Debt Recovery claim. This rise consists of the £25 creditor fee plus an administration fee of £10. However where there is more than 1 debtor on an action, the administration fee from the CFA has increased to £2 on each individual. Where there is only 1 debtor the fee of £10 remains.


Middlesex FA should be approached as soon as it is clear that there is a problem. In all cases this should be within 28 days of formal payment being requested, and 112 days of the debt being incurred.

Requesting debt recovery

When requesting Football Debt Recovery the creditor must supply the following:

  • Full Name
  • Date of Birth
  • Last known address
  • Contact number of the individual(s) responsible for debt
  • Leagues should provide a list of all registered players for the club/team they wish to place on Football Debt Recovery
  • Evidence of the debt and efforts made my the club to recover the debt (e.g. copies of letters sent to players)

Upon receipt of a Football Debt Recovery claim, Middlesex FA will verify the validity of the debt and notify the Club and Player, by way of the debt recovery letter, of its decision.On an annual basis any debt created more than 7 years ago will be deactivated and removed from the system. All monies and suspensions will be cleared and removed.


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Frequently asked questions about Football Debt Recovery

Football debts are defined as those costs arising directly from football activity, and as such would include disciplinary costs (e.g. fines), match costs (e.g. match fees) and playing expenses (e.g. pitch hire).

Incidental costs (e.g. fund raising activities, club subscriptions) do not fall within the scope of Football Debt Recovery.

You should contact us as soon as possible having taken all reasonable steps to recover the debt yourself. However, this must be between 28 days of formal payment being requested and 112 days of the debt being incurred.

No, you can contact the local County Court and complete a small claims application request

Get In Touch

By Phone: 020 8515 1919
(9am - 5pm Monday - Friday)

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