Debt Recovery

When the claim is in relation to a debt which is not disputed and enforcement action is not needed we will charge for sending a standard letter before claim:

  1. £50 (For a debt of up to £1,000)
  2. £100 (For a debt of £1,001 – £10,000)
  3. £150 (For a debt of £10,001+)

If the claim is disputed at any point, we will discuss any further work required and provide with revised advice about costs.

Where a court claim will be issued, we will charge:

  1. £100 (for a debt of up to £1,000). The Court fee for issuing the claim will be £35 – £70. 
  2. £200 (for a debt of £1,000 to £10,001). The Court fee for issuing the claim will be £80 – £455.
  3. £300 (for a debt of £10,001 – £100,000). The Court fee for issuing the claim will be 5% of the claim.
  4. £500 (for a debt of £100,001 – £200,000). The Court fee for issuing the claim will be 5% of the claim.

The costs quoted above are not for matters where enforcement action, such as the bailiff, is needed to collect the debt.

Our fee includes:

  • Taking instructions and reviewing documentation
  • Sending a letter before action
  • Receiving payment and sending onto you, or if the debt is not paid, drafting and issuing claim
  • Where no acknowledgement of service or defence is received, applying to court for a default judgment
  • When default judgment is received, write to the other side to request payment
  • If payment is not received within 14 days, providing you with advice on next steps and likely costs.

The fee does not include:

  • Undertaking any enquiries in respect of the solvency of the debtor
  • Advising you in respect of the merits of your claim or gathering evidence
  • Dealing with the claim should it be defended, in which case we will discuss further costs and funding the matter with you.

In relation to such work outside the fixed fee our standard hourly rate is £175 per hour.

We are not VAT registered.


Matters usually take 1 – 4 months from receipt of instructions to receipt of payment from the other side depending on whether or not it is necessary to issue a claim. This is on the basis that the other side pays promptly on receipt of judgment in default. If enforcement action is needed, the matter will take longer to resolve.

Our Team

Our team is made up of the principal of our firm, Mr Okey Ngwuocha, and at least one fee earner. Your work will be supervised by Mr Ngwuocha who has practised in the area of debt recovery since qualifying as a solicitor in 2006. During this period, he has represented several clients in negotiations for settlement of money claims, undertaking pre-action procedural steps and advocacy in court. He has a Masters degree in law (LLM) from Queen Mary University of London (2004) and a Bachelor of Laws degree (LL.B) from the University of Nigeria (1998).