This Protocol should not apply to sole trader debtors. If a business incurs a debt then they should be able and willing to pay it in accordance with the terms they've agreed with their creditor. This applies just as much to sole traders as to a billion pound plc. If they can't pay then they are insolvent by definition in that they cannot pay their debts as they fall due. Why should a cash-strapped creditor be forced to jump through these absurd hoops to obtain what is rightfully theirs? There are thousands of professional debtors out there who already come up with the most absurd excuses for non-payment. This nonsense is just a gift to them. They will demand copies of documents they already have just to delay the creditor from taking action, and then if the creditor does have the temerity to issue court proceedings the debtor will whinge that there was no compliance with the Protocol. And WTF is the point of that ludicrous financial statement form? It's quite clearly designed for individual consumers to fill in, with questions about income and outgoings and questions about what your priority debts are, none of which should have to be taken into account by a business creditor. This Protocol seems to be based on the assumption that there is likely to be a genuine dispute over a debt, but the vast majority of business debts are neither contested nor contestable. The debtor just doesn't want to pay. Consequently, as the Protocol is based on an entirely wrong assumption it's fundamentally flawed and should be scrapped immediately.