Enablelaw.com Pricing

Based on the information prominently displayed on the Enablelaw.com homepage, the primary pricing model for their legal services in personal injury and medical negligence claims is “No-win, no-fee.” This model is a widely adopted practice in the UK legal industry for such cases, designed to provide access to justice for individuals who may not have the financial means to pay legal fees upfront or during the course of a claim.

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The website explicitly states: “No-win, no-fee We provide no win, no fee arrangements to ensure you don’t have to face financial risk in order to get the compensation you deserve.” This statement clearly communicates the core of their pricing approach: clients are generally not required to pay legal fees if their claim is unsuccessful.

However, it’s crucial to understand what “no-win, no-fee” (also known as a Conditional Fee Agreement or CFA in the UK) typically entails in practice, as the homepage provides the general principle but not the specific granular details that would be contained in a formal client agreement: How to Cancel Enablelaw.com Subscription

1. Success Fee: If the claim is successful, the solicitor is entitled to charge a “success fee” from the compensation awarded to the client. This success fee is a percentage of the damages recovered. While the maximum success fee for personal injury claims (especially those involving pain, suffering, and loss of amenity) is legally capped at 25% of the compensation relating to pain, suffering, and past financial losses (excluding future losses), the exact percentage charged by Enablelaw.com is not specified on the homepage. This percentage is agreed upon at the outset of the retainer agreement.

   • Example: If a client wins £10,000 for pain and suffering, and the agreed success fee is 25%, the solicitor would take £2,500.

2. Disbursements: These are out-of-pocket expenses incurred during the legal process, such as court fees, expert witness fees (e.g., medical reports), barrister fees (if used), and other administrative costs.

   • Who Pays if Unsuccessful? In most legitimate “no-win, no-fee” agreements, if the case is unsuccessful, the client is generally not liable for the solicitor’s disbursements. The solicitor often covers these themselves or uses an ATE (After The Event) insurance policy to cover adverse costs and disbursements.
   • Who Pays if Successful? If the case is successful, these disbursements are usually recovered from the losing party in addition to the client’s compensation. If not fully recovered, they might be deducted from the client’s compensation. The specific terms regarding disbursements are critical and would be detailed in the client’s retainer agreement.

3. After The Event (ATE) Insurance: Many “no-win, no-fee” agreements are coupled with ATE insurance. This policy protects the client from having to pay the defendant’s legal costs if the client’s case is unsuccessful. The premium for ATE insurance is usually self-insuring (meaning it’s only paid if the case is successful) and can be deducted from the compensation. The website does not explicitly mention ATE insurance, but it’s a common component of this model.

4. Exceptional Circumstances: There may be specific clauses in the retainer agreement that could make the client liable for fees even if the case doesn’t win, for example, if the client provides dishonest information, fails to cooperate, or unreasonably rejects a settlement offer recommended by the solicitor. These are protective clauses for the firm.

Summary of Enablelaw.com’s Pricing Model (as understood from homepage): Wasmer.io Features

• Basic Principle: “No-win, no-fee” for personal injury and medical negligence claims.
• Upfront Costs: Generally, none for legal fees.
• Payment Upon Success: A “success fee” will be deducted from the compensation awarded.
• Disbursements: Details on who pays for these (e.g., expert reports, court fees) in unsuccessful or successful cases are not on the homepage but would be in the formal agreement.
• Hidden Costs: The website suggests no hidden costs, but full transparency requires reviewing the formal retainer.

For a Muslim client, the key ethical considerations regarding this pricing model are:

• Riba (Interest): Ensure that no part of the “no-win, no-fee” arrangement involves any interest-bearing loans or financial products that directly or indirectly benefit the firm or the client through impermissible means. The success fee itself, as a percentage of the awarded compensation for services rendered, is generally permissible as long as it’s not tied to an interest-based calculation or speculative financing.
• Gharar (Uncertainty): While there’s inherent uncertainty in litigation, the “no-win, no-fee” model tries to mitigate the client’s financial risk, which is a positive. The uncertainty around the exact success fee percentage (if not explicitly capped in the agreement) or disbursement liability should be clarified.

In conclusion, while Enablelaw.com clearly advertises a client-friendly “no-win, no-fee” approach, potential clients should always request and meticulously review the full terms and conditions of their retainer agreement to understand all financial implications, including the success fee percentage, disbursement policy, and any ATE insurance premiums.

This due diligence is critical for both financial clarity and ethical adherence.