Frequently Asked Questions

If you are struggling with debt and you are or have been in debt management or you are considering an IVA then it is likely we can be of real help to you.

What will it cost me ?

Whatever your circumstances, we will agree a monthly payment which is affordable to you. We are aware that many people cannot afford standard legal fees. Helping you is our priority and we will tailor a payment plan to your individual needs.

Our fees will depend on the individual claims against you. You will not pay anything until we have completed an initial review of your claims. Following this review and if it is likely we are able to help you, we will agree a monthly fee which is affordable to you. You will only ever pay our fees for a maximum of 12 months.

If the work is completed in less than 12 months you will only pay us for the length of time it takes to complete your case. If any further work is needed after 12 months that work will be done but you will not be charged for it. You can also end the agreement at any time without paying us any more fees.

The Consumer Law Barristers Guarantee

Each case is unique and that means we can’t promise any specific reduction in the amount of debt you will ultimately have to pay.
What we do guarantee is:

  • You will not pay us anything until we have undertaken a full assessment of your circumstances and we have confirmed we can achieve success on your case.
  • We will reduce the amount of debt you have to pay by at least the amount of the fees you pay to us as an absolute minimum. In the unlikely event that we’re unable to do that then we will refund any difference.

This guarantee means that when you benefit from our highly specialist legal advice and assert your rights against the companies claiming you owe them money, you will not be put at a financial disadvantage.

Will I have to continue making payments to the organisations which claim I owe them money?

You should not make any payments until you have been advised about your rights and obligations. We will do that as soon as practicable. We will guide you each step of the way.

If you still need help with debts after we have completed our work we will point you to Stepchange or another not for profit debt advice agency.

Will I have to go to court ?

You will not have to go to court.

Will I need to deal with the companies making claims against me?

We will put a stop to any harassment and collection activities including calls, letters and messages.

We know the stress and concern that constant communication chasing payment can cause. Debt collection companies know this too and may try to bully you into paying them.

Those companies have a responsibility to co-operate with your appointed barrister who will be acting on your behalf. If the companies do not stop contacting you then you should tell us and we will stop them.

The emotional burden of debt can have a severe impact on all aspects of your life and we take this part of our work extremely seriously.

If you are in a debt management plan, we can also contact your debt management company directly. You do not need to get in touch with them yourself.

Will my credit rating be affected ?

Your credit rating should not be affected. If an organisation makes an unfair or misleading report about you to a credit reference agency you should tell us and we will stop them.

What do you need from me ?

We would request that you respond quickly to any requests which we make for information or instructions.

Please ensure that the monthly fees are paid on time so that we can concentrate on your case.

What promises do you make ?

Above all else, we value honesty in our dealings with people. We are only providing this service because we believe it will be of real benefit to you.

The only promises we can make are:

  • To treat you like a real person.
  • To tell you honestly and straight away whether there is a good prospect that our services will be of real benefit to you.
  • To make sure the organisations making claims against you deal only with us.
  • To fight your corner using all our skill and experience.
  • To keep you updated and give you the advice you need as soon as practicable.
  • To complete our work within 12 months or to carry on working on your case without charging you any more fees.
  • To allow you to end your agreement at any time without paying me any more fees.

We are also proud to provide our fee guarantee:

The Consumer Law Barristers Guarantee

Each case is unique and that means we can’t promise any specific reduction in the amount of debt you will ultimately have to pay.

What we do guarantee is:

  • You will not pay us anything until we have undertaken a full assessment of your circumstances and we have confirmed we can achieve success on your case.
  • We will reduce the amount of debt you have to pay by at least the amount of the fees you pay to us as an absolute minimum. In the unlikely event that we’re unable to do that then we will refund any difference.

This guarantee means that when you benefit from our highly specialist legal advice and assert your rights against the companies claiming you owe them money, you will not be put at a financial disadvantage.

Can’t I just do this myself and save money in the process?

Yes. Just as you have the right to remove your own teeth or cut your own hair, the painful results of which are obvious to all those who may have tried it. More seriously though, you can certainly make a request for information under the Consumer Credit Act. However, unless you have in depth knowledge of the Consumer Credit Act and the Consumer Credit Regulations you are unlikely to know whether the company providing information to you has properly complied with its statutory duty. It is also important to understand that a request for information is just the starting point of the process and when the accumulated skill and experience of our legal and support team comes to the fore.

It sounds too good to be true?

We can assure you that everything you are able to read her is totally accurate. We don’t over promise and will not formally engage with you or charge any fees until we have provided you with a fully confidential, no obligation, free assessment from a CLB barrister. Our results and successes highlight what we can achieve and our guarantee exists to give you peace of mind and assurance in the service we deliver.

The Consumer Law Barristers Guarantee

Each case is unique and that means we can’t promise any specific reduction in the amount of debt you will ultimately have to pay.

What we do guarantee is:

  • You will not pay us anything until we have undertaken a full assessment of your circumstances and we have confirmed we can achieve success on your case.
  • We will reduce the amount of debt you have to pay by at least the amount of the fees you pay to us as an absolute minimum. In the unlikely event that we’re unable to do that then we will refund any difference.

This guarantee means that when you benefit from our highly specialist legal advice and assert your rights against the companies claiming you owe them money, you will not be put at a financial disadvantage.

I am already in debt management so will this work have been done already?

No. In our experience, debt management providers do not take the necessary steps to ensure that you only pay companies who can prove the title, value and enforceability of their claim against you.

Debt management is a collective arrangement to administer the payment of sums which it is claimed you owe.

We have a strong record of defeating claims which have been included in a debt management plan.

If you are in debt management you can find out more here.

Are you ready to assert your rights?

In situations where you may have been struggling to meet debt repayments and have missed payment deadlines the company with whom you took out the debt will often sell it on to a third party who will then, using a variety of techniques, chase you for the outstanding amounts.

FIGHT BACK NOW

“Freed from over £70,000 of debt in just 1 year! The whole process was easy… CLB gave me the chance to finally be debt free.
A huge relief.” – Angela Kelly

"CLB gave me the chance to finally be debt free. A huge relief.”

“We in debt are vulnerable. Consumer Law Barristers put an end to years of stress and sleepless nights with creditors looming over me.
Excellent and very personal service. Recommend them heartily!” – Raheela Salim

“We in debt are vulnerable. Consumer Law Barristers put an end to years of stress and sleepless nights with creditors looming over me."

“I cannot explain the deep relief you feel when your debt has disappeared.
There are no real words to say thank you when you have been set free.” – Susan Yeo

"There are no real words to say thank you when you have been set free.”

“I’m so glad I found CLB! For 15 years I was struggling in debt management and going nowhere.
Thanks to CLB, I was completely freed from over £250,000 of debt in just one year!” – Luke Thomas

"Thanks to CLB, I was completely freed from over £250,000 of debt in just one year!"

“This changed my life! Consumer Law Barristers sorted all my debts and gave me back my life. I’ll be forever grateful.” – Mrs Thomas

Consumer Law Barristers sorted all my debts and gave me back my life. I’ll be forever grateful.

Get help with all the UK’s biggest creditors

We can help you challenge the claims made by debt collectors, banks and credit card companies