AJJB Law undertakes volume debt recovery work for referred clients from third party introducers. AJJB’s clients are normally regulated by the FCA or another similar statutory body. The costs below are indicative of the costs AJJB charge such clients. However these can be subject to negotiation depending on the type of client and volume of work.
The work is undertaken by a team of paralegals who specialise in consumer debt recovery. Further details of their qualifications and experience are available to clients on request. Legal work under taken by them is supervised by Leonard Thomas James a solicitor with over 20 years of experience in debt recovery issues.
Our fees are as follows:
The Legal Ombudsman may be able to help you if we are unable to resolve your complaint ourselves. They will look at complaints independently and accessing the Ombudsman will not affect how we handle your case. Most ‘consumer’ clients (as oppose to large businesses) will be able to make use of the Ombudsman scheme however there are restrictions for some larger clients. Before accepting a complaint for investigation, the Legal Ombudsman will check that you have tried to resolve your complaint with us first. If you have, then you must take your complaint to the Legal Ombudsman:
1. Letter Before Claim (“LBC”)
AJJB agrees upon your instruction to draft and send an initial Letter Before Claim (“LBC”) before a County Court Claim can be issued in the Courts. The LBC will be sent in compliance with the Court guidelines in sending a Pre-Action Protocol Letter (PAP), more commonly referred to as an LBC or an LBA.
The LBC will have a timeline for when payment or a response is to be received, if this is not complied with, AJJB will inform you that AJJB are ready to issue the Claim.
The timeline for an LBC to be responded to is either 30 days (individual) or 14 days (business) depending upon the nature of the debt.
The fixed fee agreed for preparing and issuing the LBC – £50.00 plus VAT (currently 20%). This is subject to discussions with volume providers.
AJJB’s charges can be structured in various ways pre-legally before a Claim is issued for the collection of overdue invoices or any other type of debt.
Unless specified in your terms and conditions, all charges above are not recoverable from the debtor/customer.
2. County Court Proceedings issued via the Claims Court Business Centre (“CCBC”)
As referenced above the Court fees and fixed costs shown in this document are fixed by the Court and can be viewed at: including their contact details and professional conduct rules on their website:
2.1 Costs of Issuing a Claim
If the LBC does not prompt a response or payment of your debt, AJJB will prepare the Claim Form and send it to Court for proceedings to be issued.
The Court will then serve the Claim Form on the Defendant (debtor/customer) to respond where the following fees and costs will be added to the outstanding debt. These costs are added to the amount due from the Defendant. should the Claim be successful. :
Amount of Principle Debt County Court Issue Fee Fixed Costs / AJJB Charges (excl VAT)
Up to £300 £35.00 £50.00
£300.01 to £500 £50.00 £50.00
£500.01 to £1,000 £70.00 £70.00
£1,000.01 to £1,500 £80.00 £80.00
£1,500.01 to £3,000 £115.00 £80.00
£3,000.01 to £5,000 £205.00 £80.00
£5,000.01 to £10,000 £455.00 £100.00
Greater than £10,000 but no more than £200,000 5% of the value of the Claim £100.00
Our fixed costs, in Column 4 above, will be our charges to prepare and issue the Claim – these fees will usually be invoiced to you prior to the issuing of any Claim.
Our fixed costs / charges figures above exclude VAT, currently charged at 20%. CCBC and County Court Issue Fees do not attract VAT.
2.2 Costs for requesting Judgment with the Court
If there is no response to the Claim Form, depending upon your instruction, AJJB will be entitled to apply to enter Judgment at the earliest opportunity on your behalf. As a member of the CCBC our requests for Judgment can be entered within 48 hours.
When entering Judgment the Court will add fixed solicitor cost of £22.00 excluding VAT (currently charged at 20%) – AJJB will subsequently invoice you this as our fee for our professional charges. There are different levels of fees fixed by the Court depending upon the method of Judgment that is entered as below:
Judgment (“CCJ”) Entry Type Amount of Principle Debt Fixed Costs / AJJB Charges excluding VAT
1. Judgment in Default £1.00 – £5,000.00 £22.00
£5,000 + £30.00
2. Judgment in Default of a Defence £1.00 – £5,000.00 £25.00
£5,000 + £35.00
3. Judgment on Admission £1.00 – £5,000.00 £40.00
£5,000 + £55.00
Please note the above fixed costs are added to the Judgment debt.
For No.3 above, the Court may order a small increase to these fixed costs, if it is to intervene in finalising the payment arrangements, AJJB will advise you should this ever take place.
Our fixed costs / charges figures above exclude VAT, currently charged at 20%.
Where a matter is ended by entering judgement in this way we would normally expect it to be concluded within 12 weeks of our letter before claim.
2.3 Defended and Disputed Claims
AJJB charges hourly rates (see below) if the Claim is defended. AJJB will take your instructions at this stage to advise on the prospects of success in dismissing the Defence and obtaining Judgment on your behalf. Arrangements in this regard may differ with certain volume clients.
All applicable disbursements associated with a defended or disputed account will be payable by you and will be dealt with on a case by case basis.
Where a matter is defended or disputed in this way we would normally expect it to be concluded within 42 weeks of our letter before claim.subject to prompt instructions.
2.4 Enforcement of a judgement
AJJB can act on your behalf in commencing enforcement action of the CCJ. It is not possible to estimate at this stage how long enforcement would take and what the costs would be. This will depend upon how much time and money the client wishes to invest in pursuing the debt. AJJB can discuss this process with you regarding the timelines and costs before any action is subsequently taken. Typically such work would be done on an hourly rate basis and our standard hourly rates are detailed below.
2.5 Hourly rate – Our typical hourly rates are as follows excluding VAT
Pay band Fee earner cost
A Solicitors and legal executives with over 8 years’ experience £217
B Solicitors and legal executives with over 4 years’ experience £192
C Other solicitors or legal executives and fee earners of equivalent experience £161
D Trainee solicitors, paralegals and other fee earners £118
These hourly fees exclude VAT, currently chargeable at 20%.
3. Other costs to consider
It would not normally be necessary to undertake other work or incur other costs other than those described above. However, we would be very happy to provide you with a more tailored quote if you contact us.
Solicitors Regulation Authority including their contact details and professional conduct rules on their website:

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