DEBT WORK – VIRGO SOLICITORS LIMITED – Costs and service information

Debt advice – being in Debt

Debt Advice is increasingly required in today’s world as Debt is a growing problem for many of us.

If you are struggling to meet your financial commitments, there are four golden rules you can follow to avoid the traps which may worsen the problem:

  • Don’t ignore the problem – it won’t go away and the longer you leave it, the worse it will become.
  • Be wary of borrowing more money – don’t borrow more money to pay off your debts without getting advice first.
  • Don’t turn your unsecured loans into a mortgage -without getting advice first. If you secure unaffordable debts against your home inevitably you will fail to make the repayments and your home may be repossessed as a consequence.
  • Do not pay anyone for debt advice – this speaks for itself. Organisations that want to help you will not charge for initial advice.

Debt advice – debt recovery 

We provide the following services:

  1. Reviewing and drafting letters of claim
  2. Applications to court
  3. Correspondence with the other party and court

Our Costs Quotation – range of fees 

Every case is individually unique, and we encourage you to contact us to obtain a bespoke costs estimate, or quotation payable for your particular case. Throughout the course of your matter, we will update you at regular intervals on costs information to enable you to remain in control of the incurrence of costs relevant to your case.

We offer an initial fixed fee consultation meeting of up to an hour for £150 + VAT for debt recovery cases.

Our Fees for substantive work: 

  1. For sending a pre- action protocol-compliant letter of claim in a straightforward debt claim, the typical cost would be £250 plus VAT (i.e. one hour’s work). These costs would be more in a complex matter or if investigatory work or counsel’s opinion is required to be solicited prior to sending the pre-action protocol letter.


  1. For issuing court proceedings in a straightforward money claim for a fixed amount of up to £25,000, and entering judgment in default of a response, an additional two hours’ work would likely amount to, i.e. £500 plus VAT. This is in addition to the £250 plus VAT for the first letter.

What work does the above fees include?

  • Taking your instructions and reviewing the documentation.
  • Sending a letter of claim.
  • Drafting and issuing a claim in court.
  • Entering judgment if there is no response.

Disbursements/other costs

Disbursements are costs related to your matter that are payable to third parties, e.g. court fees. We handle the payment of the disbursements on your behalf to ensure a smoother process and they should be the same at all firms if they are just charging you what they are being charged.

Any expenses we incur on your behalf (disbursements) – for example, court fees, bailiffs’ charges or the fees charged by barristers or accountants assisting with the claim – are charged in addition and we may ask for these to be covered ahead of the work being done. **The cost of instructing High Court enforcement officers are also separate and not within our fee structure.

***The above fees are for an uncontested claim. If a claim is contested, we will need to give a bespoke estimate – please contact us.

How long will it take?

Probably about three months from when you first instruct us to when we ask the court to enter judgment in default, assuming there is no reply from your opponent and the matter is uncontested. 

Who will carry out the work?

The firm’s Director, Dr. Abess Taqi who is practising Solicitor in England & Wales, and also a Notary Public, undertakes all Debt work in our firm. He is assisted by the firm’s Trainee Solicitor, Mr. Soner Koroglu. 

In summary, Abess’s hourly rate is £250.00 plus VAT. Our Trainee Solicitor time will be charged on an hourly basis with a rate of £120 per hour including VAT. 


Welfare Benefits

The welfare benefits system can be daunting to navigate at the best of times and even more so when misunderstandings lead to the loss of benefits and the prospect of legal action and possible demands for repayment. Virgo Solicitors are among the very small minority of solicitors within the UK who are qualified and experienced to provide the appropriate consultation and handle appeals to the the Department of Work and Pensions (DWP) and/or local authorities.

We can provide assistance with appeals other benefits which include:

Universal Credit
Disability Living Allowance and Attendance Allowance
Tax Credits
Habitual Residence and Right to Reside tests
Overpayment of benefits and tax credits
Housing Benefit