| Do it yourself | £0, plus your time | Simple, undisputed debts where you are confident about the content the Pre-Action Protocol expects. | A letter that misses required content can count against you on costs if the claim goes to court. |
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| Fixed-fee online letter | Garfield AI: £7.50 + VAT per letter before action | The lowest published price for a single letter, from an SRA-regulated firm. | Each later step is priced separately, so check what the next one costs. |
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| RobinReturn | £9.50 + VAT, plus a £25 review fee plus VAT paid to the reviewing solicitor: £34.50 + VAT (£41.40 inc. VAT) | Documented UK B2B invoices where you want the reminders, the letter and the court papers in one place. | Each later step is priced separately. Software, not a law firm, so not suitable where you need legal advice or representation. |
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| Solicitor's letter | £10 to £720 + VAT in the price lists we checked: £10–£12.50 for a standard-form letter, £250 with instructions and document review, £460–£720 for a bespoke letter | Disputed, complex or high-value matters, or where you want advice as well as a letter. | At the bespoke end, the fee can be a large share of a small invoice. |
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| Collection agency | Commission on what is recovered: 10% (STA International) and 15% (Redwood Collections) published for UK commercial debt; one agency's guide puts debt 12–24 months old at 20–25% | Cases where you would rather hand the chasing over and the customer relationship no longer matters. | The commission comes out of what you recover, and the rate rises with the age of the debt. |
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