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Only some people must pay up to JB Leitch Solicitors Debt Collection. It is true that could be the situation. Nonetheless, disregarding them and feigning their nonexistence might have more significant consequences for you. What options lie ahead for you? Stick with me, for the tale of JB Leitch and your potential strategies is about to unfold.

Riana Johnson
Last updated on 23 August 2023
Fact Checked

Table of Contents

1. Who are JB Leitch Solicitors?
2. Is JB Leitch Solicitors Debt Collection a Scam?
3. Why are JB Leitch Solicitors Contacting Me?
4. Should I Ignore Letters from JB Leitch Solicitors?
5. Should I Pay JB Leitch Solicitors What They Are Asking?
6. What Legal Action Can JB Leitch Take?
7. What is a CCJ?
8. Can JB Leitch Debt Collection Repossess My House?
9. What Do I Do if JB Leitch Solicitors Are Harassing Me?
10. What Steps Do I Take When I Receive a Debt Collection Letter from JB Leitch Solicitors?
11. What Do I Do if I Can’t Afford My Debt?
12. JB Leitch Solicitors Contact Information
13. Other Debt Collectors to look for on your Credit Report
14. Where can I get Professional Advice?
15. Key Points
16. FAQ


Who are JB Leitch Solicitors?

Let’s start our journey by illuminating the “JB Leitch” entity. Headquartered in the heart of the United Kingdom, they are not your run-of-the-mill law firm. JB Leitch, a Liverpool-based property management law firm, handles lease extensions, service charge arrears recovery, and more. They specialise in debt collection and property law, representing various creditors, including:

  • Esteemed banks
  • Reputable building societies
  • Property management firms. 

This might be your first time hearing about “JB Leitch Solicitors”; if so, this comprehensive guide will be your illuminating beacon.

Is JB Leitch Solicitors Debt Collection a Scam?

It’s essential to state outrightly that JB Leitch Solicitors is not a scam. Today’s stories of debt collection scams are widespread, but you can put your mind at ease with them. The SRA regulates this firm, and is not a scam. 

Avoid ignoring their letters or calls, as they may escalate the case which will negatively impact your credit scores. They are a legitimate, well-established firm, but keeping yourself informed and vigilant in any debt situation is crucial.

Why are JB Leitch Solicitors Contacting Me?

Usually, this happens when you have an unpaid debt. Suppose they have attempted to contact you. In that case, it typically signifies that the original creditor – the party to whom you owed money, has enlisted their aid to manage the debt collection process. 

This Debt Collection company is a UK-based firm that offers debt collection services for service charges and ground rent arrears. Landlords may employ JB Leitch solicitors Debt Collection to chase debts if they don’t have time to collect it.

Should I Ignore Letters from JB Leitch Solicitors?

You may be tempted to disregard letters from “JB Leitch Solicitors”. However, this could be a critical misstep. These letters aren’t mere pieces of paper but important correspondences that should be read and responded to immediately. 

Ignoring these letters might lead to potential legal consequences that may further complicate your debt. Ignoring debt collection letters may not solve the issue. Instead, return calls or letters to JB Leitch solicitors and inform them of the dispute. Allow 2-3 weeks for a response. Only admit to owing the debt once they prove that it’s yours.

Should I Pay JB Leitch Solicitors What They Are Asking?

Before reaching for your wallet, you should always verify the legitimacy of the debt. Consider seeking professional advice to ensure you’re making the right move. Paying debts is your responsibility, but don’t pay it upfront if you need to confirm it’s yours. 

Please do your due diligence to ensure it’s in your name and legally responsible. Avoid paying back if it means going into more debt. There are options to avoid further debt, which will be discussed later.

What Legal Action Can JB Leitch Take?

The path JB Leitch could traverse may lead you to court, resulting in a County Court Judgement (CCJ) being filed against you. Curious? Worried? Let’s delve deeper and explore the intricacies of this journey.

The Power of JB Leitch

JB Leitch possesses the power to take legal action against debtors. Not a force to be trifled with; it can change the course of your financial future. If you ignore their communication attempts or fail to repay your debt, “JB Leitch” can take you to court. 

Now, does that mean you should lose sleep over this? Not necessarily! You can avoid this stage by being informed and taking the right steps.

Navigating The Court Proceedings

If it comes down to it, you could be summoned to court. At this point, “JB Leitch” would have presented a case against you to obtain a CCJ. When a CCJ is issued, it’s important to respond within 14 days. The court can decide on your debt repayment terms without your input if you don’t. And that’s a situation you want to avoid!

The Ghost of CCJs Past

What happens after a CCJ is issued? This spectre of legal proceedings can haunt your credit report for six years, tarnishing your ability to borrow. That’s right, six long years. This might make you think twice before ignoring those letters from “JB Leitch”!

Preventing The Legal Action

But here’s the silver lining: such legal action is avoidable. How? Simple – by not burying your head in the sand. Being proactive, communicating openly with “JB Leitch”, and seeking professional advice can go a long way. The idea of court proceedings is understandably intimidating, but remember, they are the last resort, not the starting point.

The Implications of Ignoring the CCJ

If a CCJ is issued and you choose to ignore it, the consequences could be grave. JB Leitch could return to court, seeking further action to ensure repayment. This might include an attachment of an earnings order, where a portion of your salary could be directed towards debt repayment before you even see it. 

More Severe Legal Actions

The most extreme action JB Leitch could take would be seeking to repossess your property or assets to cover the debt. However, remember that such a course of action should only be considered a last resort and for exceptional circumstances. It is predominantly utilised as a final attempt to retrieve the outstanding debt rather than as an initial approach. 

Avoiding the Worst-Case Scenario

The thought of “JB Leitch” knocking at your door can be nerve-wracking. However, it doesn’t have to come to this. Debt management and consolidation options can help prevent such drastic measures. This is where advice from professionals can truly shine, giving you the tools to tackle your debt head-on.

As you see, JB Leitch can take several legal actions against you if you fail to manage your debts. But, equipped with the right information and help, you can prevent such a situation. Our next stop? Uncovering what a CCJ entails and how it can affect you.

What is a CCJ?

In the UK, a County Court Judgement (CCJ) may be issued against you when you fail to repay a debt. It is crucial to confront this matter head-on as it can significantly impact your credit score and future borrowing ability. 

JB Leitch Solicitors can take legal action on behalf of their client to obtain a CCJ against you. However, if you settle the debt within six years, it is possible to request that the judgement be marked as satisfied. If payment is made within one month, no record of the decision will be entered into the register.

Unfortunately, CCJs remain visible on your credit file for six years, which greatly hampers your chances of obtaining credit. Creditors rely heavily on your credit file to assess whether or not you pose a higher risk as someone who may need help to pay bills promptly. 

After six years have elapsed, any existing CCJs will no longer appear in your credit report, making it easier for you to acquire loans once more.

Can JB Leitch Debt Collection Repossess My House?

In the most extreme of circumstances, JB Leitch can repossess your house. However, remember that they can only initiate this course of action once they have obtained an official mandate from the court – and even then, it is usually seen as a measure of last resort. 

JB Leitch can file what is known as a Charging Order specifically designated for homeowners, which allows them to reclaim properties if outstanding payments remain unfulfilled. It should be noted that this occurrence is fairly rare and involves multiple stages before any such action takes place.

One must recognize that Charging Orders tend to be employed solely as a final option regarding secured debts due to their excessive costs associated with repossession procedures within the United Kingdom. Conversely, unsecured debts such as service charges or ground rents present less likelihood concerning the potential deployment of Charging Orders.

What Do I Do if JB Leitch Solicitors Are Harassing Me?

Remember, you are entitled to certain rights. If you experience harassment or intimidation, it is within your rights to make a complaint.Let’s discuss the most effective way to voice your concerns. 

JB Leitch lawyers will only persist in communicating with you if you settle the owed amount. Legally, they must reach out to retrieve the debt on behalf of their client. However, it is impermissible for attorneys and other debt collectors to disturb or excessively pressure individuals into paying a debt they cannot afford.

Send JB Leitch a Complaint

You should first complain to the business if they have done the above actions. You can get in touch with them using the information below.

  • Email: mail@jbleitch.co.uk
  • Telephone: 0151 708 2250
  • Address: 10 Duke Street, Liverpool, L1 5AS
How Do I Make a Complaint About JB Leitch Solicitors?

If you wish to complain about JB Leitch Solicitors, you should write to them directly, detailing your concerns. If unsatisfied with their response, you can escalate your complaint to the Financial Ombudsman Service (FOS) or the Solicitors Regulation Authority (SRA)

You can complain to JB Letich Solicitors if you think they have acted improperly or unfairly. Raise the issue if you believe they’ve violated any Financial Conduct Authority (FCA) rules.

Send your complaint to the Financial Ombudsman Service (FOS) if they don’t treat it seriously; the FOS may look into it and take action against JB Leitch. Follow the Solicitors Regulation Authority (SRA) complaint procedure if JB Leitch is governed by it and file additional complaints if you’re unsatisfied.

You can also make a complaint to the Legal Ombudsman. However, they primarily assist clients of law firms with complaints.

What Steps Do I Take When I Receive a Debt Collection Letter from JB Leitch Solicitors?

Recognize that the choices you make here can mould your monetary destiny. Nevertheless, there is no need for distress. You can navigate through this explosive situation with proper counsel and direction. 

Step 1: Verifying The Debt

The first step is verification. JB Leitch Solicitors should provide you with a detailed breakdown of the debt you owe. Ensure you thoroughly cross-verify this information with your records. Errors can occur. They’re only human, after all, right?

Step 2: Check if the Debt is Statute-Barred

Confirm if the debt is enforceable. Usually, after six years a debt becomes statute-barred. This means, the debt collection company cannot take you to court for it and you don’t have to pay. However, for a debt to be statute-barred it should have the following criteria:

  • You have not made payments in the last six years
  • You have not admitted that you owe the debt in the last six years
  • You have not received a CCJ for it
Step 3: Not Turning a Blind Eye

Paying heed to the second stage is paramount — I implore you not to undermine its significance. You might be inclined to conceal it in a drawer, hoping that it will vanish into thin air through some supernatural means. Regrettably, such hopes are futile. Moreover, keep in mind that disregarding the issue will only intensify it further.

Step 4: Seeking Advice

Thirdly, consider seeking legal advice or debt counselling. Confused about why JB Leitch Solicitors are contacting you? Uncertain about the best course of action? Professional advice can help unravel the complexity and guide you towards a suitable solution.

Step 5: Responding to JB Leitch Solicitors

Once you’ve verified the debt and sought advice, it’s time to respond to JB Leitch Solicitors. Avoid responding in panic or haste. Instead, carefully draft your response, ensuring you address all the points raised in the letter. 

Responding doesn’t mean accepting liability; it merely acknowledges that you’ve received their communication.

Step 6: Reviewing Your Financial Circumstances

After reviewing your response, it is crucial to assess your current financial situation thoroughly. Are you in a position where you possess the necessary resources to settle the debt? If that’s the case, engaging in discussions with JB Leitch Solicitors may be worthwhile regarding potential negotiations for a repayment agreement.

On the contrary, if your monetary circumstances are strained and unable to accommodate such payments, exploring alternative paths for managing your outstanding debt becomes imperative.

Step 7: Exploring Debt Management Options

Explore other options if your financial situation doesn’t allow for immediate repayment. Debt consolidation or debt management plans could be feasible paths to consider. Again, professional advice can be invaluable here.

Step 8: Keeping Records

Remember to keep records of all communications with JB Leitch Solicitors. These documents could serve as essential evidence should any disputes arise in the future.

What Do I Do if I Can’t Afford My Debt?

If you’re grappling with a debt you can’t afford, seeking professional debt advice could be the most beneficial step. Several charitable organisations offer free advice and can help you explore the best options to navigate your debt.

To agree on a payment plan, contact JB Leitch and explain your situation. They should offer options for a monthly payment plan or a reduced amount if the lender allows. Before calling the solicitors, write down your monthly outgoings and budget to determine your monthly repayment capacity. 

Never agree to a monthly amount you cannot afford to repay. If a monthly repayment plan isn’t possible, ask if the lender can agree to a reduction in the amount owed. Ensure there are no hidden fees or added interest, as these can significantly inflate the debt amount.

Furthermore, if you’re struggling to pay you can also consider the following debt solutions:

JB Leitch Solicitors Contact Information

Phone: 0151 708 2250
Fax: 0151 708 2251
Address: Liverpool Office, 10 Duke Street, Liverpool, L1 5AS
Email: mail@jbleitch.co.uk
Website: www.jbleitch.co.uk

Other Debt Collectors to look for on your Credit Report

In addition to JB Leitch, several other debt collectors may appear on your credit report. Some notable firms include:

  • Lowell Financial
  • Moorcroft
  • PRA Group
  • Cabot Financial

Knowledge of these collectors plays a vital role in effectively handling your debt. They pose a significant consumer risk. It is imperative to regularly review your credit report to stay vigilant since any debts these collectors purchase will reflect on your account. If you observe any similarities, you must investigate further into the matter.

Where can I get Professional Advice?

Look only as far as a debt advice charity or a solicitor for professional advice. These experts can guide you through your options, helping you manage your situation based on your circumstances.

UK charities and organisations like:

  • StepChange
  • National Debtline
  • Citizens Advice
  • Debt Advice Foundation 

Provide free debt counselling services and financial advice, guiding users through options and finding the best solution.

Key Points

  • JB Leitch is a specialist in property management law, is a legitimate entity and not a scam. They offer professional legal services, particularly in debt collection related to service charges and ground rent arrears.
  • In the UK, legal options allow individuals to write off a portion of their debt. These include Individual Voluntary Arrangements (IVAs), Debt Relief Orders (DROs), and bankruptcy.
  • Ignoring communications from JB Leitch is not wise. Instead, one should verify the claimed debt’s legitimacy and respond appropriately to their letters or calls.
  • JB Leitch handles service charge arrears and ground rent arrears debt collection. Understanding what these terms mean is a key step in dealing with debt.
  • If you cannot pay your debts, explore various options such as payment plans, the Snowball Method, or an IVA. 
  • If you believe that JB Leitch’s debt collection practices border on harassment, it is within your rights to file a complaint against them with the Legal Ombudsman.
  • Understand that they can take legal action against individuals, which may result in a County Court Judgement (CCJ) and, in extreme cases, repossession of your property
  • It is advisable to consult with a professional if you are uncertain about the optimal approach when JB Leitch solicitors contact you regarding your debt. This way, you can explore all available options and decide on what works best for your situation.


What does JB Leitch Solicitors specialize in?

JB Leitch Solicitors specializes in property management law, particularly service charges and ground rent arrears debt collection.

Is JB Leitch Solicitors a legitimate firm or a scam?

No. JB Leitch Solicitors is an honest law firm. They are authorized and regulated by the Solicitors Regulation Authority.

What should I do if I receive a letter from JB Leitch Solicitors?

If you receive a letter from JB Leitch Solicitors, do not ignore it. Verify the claimed debt, respond appropriately, and consider seeking legal or debt advice.

What can I do if I feel harassed by JB Leitch Solicitors?

If you believe that JB Leitch’s debt collection practices border on harassment, you can file a complaint against them with the Legal Ombudsman.

What legal action can JB Leitch take if I don’t pay my debt?

JB Leitch can take legal action against you, which may result in a County Court Judgement (CCJ) or, in extreme cases, repossession of your property.

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