TM Legal

What TM Legal does

TM Legal Services Limited (Company Number 10214118) is a UK-regulated, specialist debt recovery and litigation law firm headquartered in Blackpool, operating as a subsidiary of Perch Group. The firm serves lenders and debt owners, providing pre-litigation recovery, civil litigation, and Consumer Credit Act 1974 claims, with services delivered by approximately 29 employees under SRA regulation (No. 647970), ICO registration, and FCA appointed representative status via ACI-UK (FRN 1043532). Its business model combines hourly fee-earner rates (Grade A £288/hr through Grade D £142/hr) with court fee pass-throughs, including a 5% levy on multi-track claims exceeding £10,000, generating revenue per matter rather than recurring subscriptions.

The firm has built a digital operational layer around its legal practice, including an Online Court Forms Portal (supporting N9A, N56, N245), a Customer Online Portal with direct debit collection via GoCardless, a Budget Calculator, an Income & Expenditure Assessment tool, and a NotifyNOW death notification service. It discloses the use of AI-assisted decisioning for case strategy and anomaly detection for fraud prevention, alongside integration with Credit Reference Agencies for debtor verification. In 2025, TM Legal achieved ISO 9001, ISO 27001, ISO 22301, and Cyber Essentials / Cyber Essentials Plus certifications, and refreshed its senior leadership (Managing Director, Head of Legal Practice, Head of Operations), indicating a deliberate professionalisation of the operating model. The firm has not disclosed revenue, funding, or third-party customer logos, and its commercial footprint is closely tied to its Perch Group parent.

Name

TM Legal

Legal name

TM Legal Services Limited

Website

https://tm-legalservices.co.uk

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

TM Legal is a UK-regulated, Blackpool-based specialist debt recovery and litigation law firm serving lenders and debt owners as part of Perch Group, combining hourly fee-earner rates with digital self-service portals and ISO-certified operations.

Ownership category

akta.pro rank

Headquarters

HQ city

Blackpool

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others

Revenue model

1. Debt Recovery Litigation Services: TM Legal provides debt recovery and litigation services acting for lenders and debt owners. The firm charges court fees and fixed solicitors costs as outlined in their fee schedules, including County Court issue fees, fixed costs on entry of judgment, hearing fees, and enforcement fees. Additional revenue is generated through hourly charging rates for multi-track claims.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels3 records

Core offering

TM Legal is a Solicitors Regulation Authority-authorised specialist law firm that acts for lenders and debt owners to recover outstanding unsecured debt through civil litigation and Consumer Credit Act 1974 claims. The firm provides end-to-end debt recovery services spanning pre-litigation contact, court proceedings, judgment enforcement, and post-judgment remedies including warrants of control, writs of control, attachment of earnings, and charging orders. It supports both client debtors and corporate referrers via telephone case management, an online self-service portal, online court form submission, and Direct Debit payment options.

Product overview

TM Legal operates as a specialist law firm offering debt recovery and litigation services as a single integrated service offering. The company provides a unified suite of tools centered around debt collection: the core Debt Recovery and Litigation Service (regulated by SRA) is supported by customer-facing digital products including an Online Court Forms Portal (for N9A, N56, N245 forms), a Customer Online Portal for account management and payments, a Direct Debit Payment System, and a Budget Calculator for affordability assessments. These products work together to guide customers through the debt resolution journey from initial contact through to payment completion and court enforcement actions.

Differentiator

Problem solved

Functional benefit

Products and services

• Debt Recovery and Litigation Services
• Corporate Debt Services
• Online Court Forms Portal
• Customer Online Portal
• Direct Debit Payment System
• Quick Payment Portal
• NotifyNOW Death Notification Service

Named customers1 record

Segments1 record

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

AI capability2 records

Partnerships

Four partnerships are on record, tiered core.

• Perch GroupcoreOthersPerch Group is the parent company of TM Legal. TM Legal is a trading name of TM Legal Services Limited, part of the Perch Group of companies which also includes ACI (debt resolution), Perch Capital (debt purchaser), and Verify (reconnection specialist).
• ACI-UK Limited (ACI)coreOthersTM Legal is an appointed representative of ACI-UK Limited (trading as ACI), which is authorised and regulated by the Financial Conduct Authority (FRN: 1043532).
• GoCardlesscoreTechnology or IntegrationGoCardless Ltd processes Direct Debit payments for TM Legal customers. GoCardless is authorised by the Financial Conduct Authority under the Payment Services Regulations 2017 (registration number 597190).
• Credit Reference Agencies (Equifax, Transunion, Experian)coreTechnology or IntegrationTM Legal shares personal information with Credit Reference Agencies to assess affordability, verify information, prevent fraud, manage accounts, and trace/recover debts.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• PRA Group: Global debt purchaser with significant UK operations. Comparable in acquiring and servicing unsecured consumer debt, often appointing external legal partners (TM Legal's peer set) for litigation and enforcement.
• Cabot Credit Management (now Novuna): Major UK debt purchaser and servicer that either insources or appoints external law firms for litigation. A potential client for TM Legal and a benchmark for the scale of creditor-side operations in the same market.
• Lowell Group: One of the UK's largest debt purchasers and recovery firms with an in-house legal capability. Provides a parallel recovery-and-litigation pathway through which TM Legal could either be appointed as panel counsel or displaced.
• Marston Holdings (Mavin Group): UK enforcement, debt recovery and integrated legal services group. Comparable in serving the same creditor ecosystem at greater scale, including warrant and writ enforcement that overlaps with TM Legal's enforcement offering.
• DWF Group: Large international law firm with a dedicated debt recovery practice. Competes with TM Legal for panel appointments from major UK lenders and debt purchasers, though it serves a much broader client base.

Direct peers

• High Court Enforcement Group: UK enforcement and judgment-recovery network that overlaps directly with TM Legal's warrant of control, writ of control and charging order work.
• BW Legal (BLB Solicitors): UK specialist debt recovery and litigation law firm acting for lenders and debt owners. Closest comparable in business model, SRA-regulated status, and consumer-facing debt recovery practice.
• Blakemores Solicitors: UK specialist debt recovery law firm acting for lenders. Highly comparable in SRA-regulated consumer debt litigation, geographic footprint and client base to TM Legal.
• Phillips & Cohen Associates (UK): UK arm of a US-headquartered specialist debt recovery law firm. Already a known partner of TM Legal (NotifyNOW), operating the same niche of creditor-side consumer debt litigation and estate notification services.

Others

• StepChange Debt Charity: UK debt advice charity that interacts with creditor-side firms like TM Legal when customers seek affordable repayment plans. Ecosystem participant rather than competitor, but closely intertwined with TM Legal's Income & Expenditure process.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/tm-legal-services-limited

Compliance8 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about TM Legal