AJJB Law debt collection: who they are and what to do

Company

AJJB Law Limited

Regulation

Regulated by the Solicitors Regulation Authority (ID 665180)

Based

Halifax, West Yorkshire

Letter before claim

Usually 30 days to respond

Who are AJJB Law?

AJJB Law Limited is a law firm based at Dean Clough in Halifax, West Yorkshire. It is regulated by the Solicitors Regulation Authority (SRA) as a licensed body, and describes itself as a debt resolution firm that uses a web portal and paralegal team. It contacts people on behalf of clients, such as utility and telecom companies, about balances they say are overdue.

It is not the creditor. The debt is owed to the client that instructed it.

Are AJJB Law legitimate?

Law firms are regulated by the SRA, not the FCA. You can check a firm on the SRA register at sra.org.uk, using the firm’s SRA ID. Scammers also send messages that look like they come from law firms, so do not click links in an unexpected text or email. Visit the firm’s website by typing the address yourself, or use the contact details on a letter you trust.

Why are they contacting me?

AJJB Law contacts you by email, text or letter, and may send a letter before claim, which is the formal step before court action. A letter before claim is not a court order. Under the pre-action rules for debt claims you normally have 30 days to respond with your position, ask for documents or propose a payment plan.

Check the name of the creditor, the amount and any account reference. If you do not recognise the debt, say so in writing and ask for the evidence.

What can AJJB Law do?

AJJB Law is a debt collection firm, and a debt collector has no special legal powers of its own. It can write, phone, text and email you, and may offer a payment plan, but it must not mislead you, harass you or threaten action it cannot take.

• Court action: if you do not engage and the debt is genuine, the creditor or collector can start a county court claim. Never ignore court papers: a judgment can follow, which harms your credit record and lets the creditor enforce it.
• Bailiffs: for most ordinary debts, bailiffs can only be instructed after a court judgment. You do not have to let anyone in.
• Prison: you cannot be sent to prison for owing money to a debt collector.

Before you pay anything

• Ask for a letter showing the original creditor, the account number, the amount and how the balance is made up.
• Do not confirm personal details or read out card numbers on an unexpected call. Ring back using the number on a letter or the official website.
• Check your credit reports to see whether the account appears.
• Be careful with old debts. In England and Wales a debt can become unenforceable in court after six years (five in Scotland), but paying or admitting it can restart the clock. Get advice first.

How to deal with AJJB Law

1. Open every letter and keep copies. Ignoring contact tends to make things worse.
2. Check the debt is yours and the amount is right.
3. If it is yours and you can afford regular payments, work out a budget first, then offer an amount you can keep to and get the agreement in writing.
4. If you cannot afford to pay, do not agree to a plan you cannot keep. Get free advice first.

Free advice is available from MoneyHelper, StepChange, National Debtline and Citizens Advice.

If you cannot afford to pay

• A debt management plan for steady income.
• An IVA for larger debts.
• A debt relief order or bankruptcy where income and assets are low or debts cannot be repaid.
• Breathing Space gives 60 days of protection while you get advice.

How to complain about AJJB Law

Complain to AJJB Law first, in writing. If you are not satisfied with its final response, or it has not resolved your complaint within eight weeks, you can take it to the Legal Ombudsman, which deals with complaints about the service you received from a law firm. Concerns about a firm’s conduct can be reported to the SRA.

AJJB Law contact details

We are not associated with AJJB Law. This information is provided to help people contact their creditors. Contact details change, so check the company’s website before you write or call. Last reviewed 11 November 2026.

Frequently asked questions