Terms, and who we are

Who we are

We are not a law firm. We do not give legal advice, we do not file claims, and we do not contact your debtor. We prepare documents from what you tell us; you check them, sign them and send them.

Preparing documents is not a reserved legal activity. Conducting litigation is — under section 14 of the Legal Services Act 2007 — and that is the line this product does not cross. Our address never appears as an address for service on anything, and nothing here will ever offer to file a claim for you.

What you get

• A calculation of interest, compensation and the court fee, with the arithmetic shown.
• A letter before claim of the right kind for your debtor, as a Word file.
• Particulars of claim and a field-by-field crib sheet for the online claim form.
• The dates that follow, and an email a few days before each one.

What we do not do

• We do not tell you whether you will win, or what your chances are.
• We do not chase consumer debts — that is regulated activity and we are not authorised.
• We do not write to your debtor. Their address is stored so that you can address a letter to it, and it is on a list that stops anything being sent there.

The figures

Interest is calculated under the Late Payment of Commercial Debts (Interest) Act 1998 at 8% over the Bank of England base rate, with the rate fixed by S.I. 2002/1675, article 4. Compensation is section 5A of that Act. Court fees are the published HMCTS scale. Dates come from the Civil Procedure Rules and the relevant pre-action protocol. Every one of those is named next to the number it produces, so you can check it. Some items are marked as unverified in our own documentation, and where that is so, the document says it on the page rather than hiding it.

Your data

What we hold, who else sees it and how long we keep it is set out in the privacy notice.

Accuracy, and what happens if we are wrong

Every figure is computed from published rules and shown with its working, but rules change and a rate can be out of date. Check the numbers before you put them in a document you sign. A statement of truth is not a formality: signing one without an honest belief in what it says is a contempt of court.

This is a prototype offered free of charge. It may be withdrawn or changed at any time.