Business to Consumer Debt Fees

Range of fixed fees for a business to consumer/individual debt up to £100,000 that is undisputed

Court Claims

These costs apply where a claim is in relation to an unpaid invoice which is not disputed and enforcement action is not needed and assumes that the pre-action protocol for debt claims must be complied with (which gives the debtor up to 30 days to respond). If the other party disputes your claim at any point, we will discuss any further work required and provide you with revised advice about costs if necessary, which could be on a fixed fee (eg if a one off letter is required) or on an hourly rate if more extensive work is needed.  If any particular protocols apply to your claim we will advise you of the likely costs separately when we have further information about your particular claim.

Pre-Court Action Steps

We will charge a fixed fee of £100.00 plus VAT (currently 20%) for preparation of a protocol compliant letter of claim demanding payment. For each additional letter/email and telephone call made/received a charge of £25.00 plus VAT will be made.

Fees for Issue of a Court Claim

If the debtor fails to pay upon the letter of claim and there is a need to issue a claim at Court then our fees are fixed at the same amount which is reclaimable from the debtor (save in addition we will charge you VAT which is not recoverable from the debtor). A Court fee is also payable to the Government to issue your claim. Details of fixed fees and Court fees are set out in the table below:

 Amount of Outstanding Debt  Fixed Costs
(excluding VAT)
 Court Fees
 up to £300.00  £250.00  £35.00
 £300.01-£500.00  £250.00  £50.00
 £500.01-£1,000.00  £250.00  £70.00
 £1,000.01-£1,500.00  £250.00  £80.00
 £1,500.01-£3,000.00  £250.00  £115.00
 £3,000.01-£5,000.00  £250.00  £205.00
 £5,000.01-£10,000.00  £250.00  £455.00
 £10,000.01-£100,000.00  £250.00  5% of claim

We offer a similar service for obtaining a Default Judgment and our fees are limited to the amount which are reclaimable from the debtor (save in addition we will charge VAT which is not recoverable form the debtor). Details are set out below:


Amount between

Where Judgment
exceeds £5,000.00

Judgment where no Acknowledgment of Service has been filed by the Defendant

£50.00 £30.00
Judgment where no Defence has been filed by Defendant £50.00 £35.00
Judgment where Defendant admits claim and you accept payment proposals £50.00 £55.00
Judgment where Defendant admits claim and Court decides method of payment £50.00 £70.00

Anyone wishing to proceed with a claim should note that:

  • The VAT element of our fee cannot be reclaimed from your debtor.
  • Interest and compensation may take the debt into a higher banding, with a higher cost.
  • The costs quoted above are not for matters where enforcement action, such as a bailiff, is needed to collect your debt.

Our fee includes:

  • Taking your instructions and reviewing documentation.
  • Sending a letter before action.
  • Receiving payment and sending on to you, or, if the debt is not paid, drafting and issuing claim.
  • Where on Acknowledgment of Service or Defence is received, applying to the Court to enter Judgment in default.
  • When Judgment in default is received, writing to the other side to request payment.
  • If payment is not received, providing you with advice on next steps and likely costs.

How long will my matter take to complete?

Matters usually take between 5 to 10 weeks from receipt of instructions from you to receipt of payment from the other side, depending on whether or not it is necessary to issue a claim and assuming no delay in the Court processing your claim for issue. This assumes that the debtor pays promptly on receipt of Judgment in default. If enforcement action is needed, the matter will take longer to resolve.

Who will carry out this work?

The work will be undertaken by our Commercial Litigation/Dispute Resolution Team.

There are 3 members of the Team who may carry out this type of work (together with support staff who carry out administrative roles subject to the supervision of either the head of department or the solicitor who has conduct of the matter). The team members are:

Ashley Wood – Solicitor and Director whose profile and experience can be accessed by clicking on the link below

Ashley Wood Profile

Giles Searby – Solicitor and Director whose profile and experience can be accessed by clicking on the link below

Giles Searby Profile

James Parden – Chartered Legal Executive whose profile and experience can be accessed by clicking on the link below

James Parden Profile

Ellie Davies – Trainee Solicitor whose profile and experience can be accessed by clicking on the link below

Ellie Davies Profile