We are passionate about promoting access to justice for consumers who would be unlikely to consider instructing a lawyer as legal costs are generally prohibitive.
There are notable examples of the court providing as much scope as possible for the provision of legal services without the requirement of a lawyer. This improves accessibility to consumers for expert legal advice without incurring the high fees of a lawyer. This is where CLB come in.
CLB charge fixed monthly fees for the duration of our instruction. We do not charge any additional costs, fees or disbursements – ever.
How our fees are set
Each case that we take on is unique, and so are our clients. For that reason, our fee structure allows you to pay our fees in a way which is affordable to you.
Our fees are calculated based on the total amount you owe under consumer credit agreements. This is expressed as a percentage as set out below.
These fees are payable monthly, we can agree a monthly fee which is affordable to you. We would always ask that these fees are paid in as close to 12 months as possible, but we know that this is not always possible. Our priority is to make our fees something which you can afford to pay, we are happy to be flexible to help you start your journey to financial freedom with us.
Example 1: If you owe £10,000 our total fees will be £1,500 which you can pay in monthly fees of £125 per month for one year.
Example 2: If you owe £20,000 our total fees will be £2,500 which you can pay in monthly fees of £208 per month for one year.
Example 3: If you owe £30,000 our total fees will be £3,000 which you can pay in monthly fees of £250 per month for one year.
There may be exceptional circumstances where our fees need to be agreed with you separately. We will always do our best to stick closely to the fee structure set out above. Exceptional factors which may affect those fees include:
- Debts which are non-standard consumer credit debt, for example debt arising from a home repossession or car finance
- Where you have previously raised a complaints with your lender
- Where the total value of your debt is over £60,000
- Where one or more debts have been subject to litigation
The CLB 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 any unfair and unlawful claims, you will not be put at a financial disadvantage.
You will have a specialist team experienced in consumer law fighting your corner for you, with the additional comfort of our fee guarantee.
If this sounds “too good to be true” please check out the experience of some of our existing clients, read what they have to say, and look at the statistics which demonstrate our performance to date.
How long will our work take
The vast majority of our work can be completed within 12 or 18 months. Where a case is particularly complex, we may agree with you that our instruction will last for longer. We will always agree the term of our agreement in advance of any instruction – and commit to finishing all of the work agreed for your case, regardless of the length of time this takes.
When you first instruct us, you should be very careful to make sure that all of the information we hold is correct. This means that we can honour our fee guarantee and complete all of the work without charging any fees above what was originally agreed.
Events which may affect the influence the time it takes to complete your case include:
- New / pending litigation
- The account is assigned to a new company
- The claimant provides evidence of their claim very late in the case
- It takes a long time for the claimant to accept our authority and engage with us constructively
- If we need to engage in dispute resolution
Ending our agreement
You must pay the fees that we agree promptly each month, this is so that we can concentrate on our work. You can chose to end our engagement at any time and we will stop work on your case. You must tell us in writing if you want to cancel your case and give us 14 days notice that you want us to stop work, this is just so that we can be sure we receive your intentions in time.
It is important that you have control over this instruction and that you are happy with our agreement. The decision to continue to instruct us will be yours alone.
It is very important to note that our fee guarantee will only apply if you allow us to complete our work without cancelling your instruction.
Before you chose to instruct us, you should read our full terms of service and make sure you are familiar with all of the information on this website.
Our fees when you cancel
You can ask us to stop work at any time, but depending on when you ask us to cancel, you may still have to pay some fees.
If you cancel in the first 6 months of instructing us, you will not need to pay any further fees. We will keep all fees which you have paid to date.
If you cancel between 6 and 12 months after instructing us, you will need to pay us half of the fees which would have fallen due during the remainder of your engagement.
If you cancel anytime after 12 months, you will need to pay us all of the fees which would have fallen due during the remainder of your engagement.