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How to Claim for Unpaid Shared Bills

Guide to recovering money from flatmates or others who have not paid their share of bills, utilities, or joint expenses.

8 min read
Updated 2 February 2026

Step-by-Step Guide

1

Calculate what is owed

15 mins

Work out exactly what they owe based on agreed shares. Gather bills and payment records showing you paid their share.

Tip: Create a clear spreadsheet showing each bill, the agreed split, and payments made.

2

Find the agreement

10 mins

Collect any written agreement about bill sharing - tenancy agreement, messages, or household spending agreements.

3

Request payment

10 mins

Send a clear request for the specific amount owed with a breakdown of how you calculated it.

4

Send letter before claim

10 mins

If informal requests fail, send a formal letter before claim with the total owed and deadline.

5

File your claim

15 mins

File via Money Claim Online with clear particulars explaining the bill-sharing arrangement.

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Recovering Shared Bill Expenses

When you pay bills on behalf of others who agreed to contribute, you have a legal right to recover their share. This applies to flatmates, joint purchasers, and group expenses.

Common scenarios: - Flatmate did not reimburse utility or council tax - Shared purchase disputes - Holiday expense splitting disagreements - Joint account disputes

Legal basis: If there was an agreement (even verbal) to share costs, and you paid more than your share, you can claim the excess from the others.

Evidence You Need

Essential evidence: - Tenancy agreement showing joint tenants - Utility bills in your name - Payment records showing you paid - Any written agreements about splitting

Helpful evidence: - Messages discussing bill splits - Bank statements showing your payments - Spreadsheets or records of shared expenses - Evidence they lived there during relevant period

Tips: - Keep records from the start of any house share - Send monthly summaries by message to create a paper trail - Screenshot any agreements about bill splitting

What You Can Claim

Typical claim value: £50 - £5,000

You can claim: - Their share of utilities (gas, electric, water) - Their share of council tax - Their share of broadband/TV packages - Any agreed shared expenses you covered - Interest from date of filing

Calculating shares: - Unless otherwise agreed, equal shares are assumed - Document any agreement for different proportions - Consider move-in/move-out dates for partial periods

Understanding Joint Liability

Joint tenancy bills: If the bill or tenancy is in joint names, each person is "jointly and severally liable" - meaning the supplier can chase any one person for the full amount. If you pay it all, you can claim the others' shares.

Sole name bills: If bills are in your name only, you are legally responsible to the supplier. But if others agreed to contribute, you can claim their share from them.

Council tax: Usually, all adult residents are liable. If one person paid it all, they can claim contributions from others who agreed to share.

Frequently Asked Questions

Evidence of any agreement helps - messages, emails, or witness statements from other housemates. If no specific share was agreed, courts typically assume equal splits among all occupants.

Legal Disclaimer

This guide provides general information about UK small claims court procedures and is for educational purposes only. It does not constitute legal advice. CourtPilot is not a law firm and is not regulated by the Solicitors Regulation Authority. The law may have changed since this guide was last updated. For advice specific to your situation, please consult a qualified solicitor or seek help from Citizens Advice.

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NOT A LAW FIRM | NOT REGULATED BY THE SRA | NOT PROVIDING LEGAL SERVICES

CourtPilot provides AI-powered information tools to help you understand UK small claims procedures. We are NOT qualified solicitors, NOT regulated by the Solicitors Regulation Authority, and do NOT provide legal advice or reserved legal services. All information is for educational and planning purposes only. You are responsible for your own legal decisions.

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