Brecon House Caerphilly Letter with Legal Threats?
For free & impartial money advice you can visit MoneyHelper. We work with The Debt Advice Service who provide information about your options. This isn’t a full fact-find, some debt solutions may not be suitable in all circumstances, ongoing fees might apply & your credit rating may be affected.
For free & impartial money advice you can visit MoneyHelper. We work with The Debt Advice Service who provide information about your options. This isn’t a full fact-find, some debt solutions may not be suitable in all circumstances, ongoing fees might apply & your credit rating may be affected.
Have you received a letter from Brecon House in Caerphilly? Are you wondering how to handle debt collectors? This article is here to help. It will answer questions you may have, such as:
- Do you have to pay Kearns Solicitors?
- How should you deal with Kearns Solicitors?
- Can you lower your repayments?
- What happens when a debt is statute-barred?
- What can Kearns Solicitors legally do?
We know that dealing with debt collectors can be worrying. You might be thinking about how this will affect your day-to-day life, or you might be unsure of your rights. Each month, over 12,000 visitors come to this site for guidance on debt topics, so you’re not alone.
Many of our team members have been through tough times too, and we know how to deal with these situations. We understand how you feel, and we want to support you. Let’s get started and learn more about dealing with Kearns Solicitors and the Brecon House Caerphilly letter.
How should you deal with Kearns Solicitors?
Kearns Solicitors will send you threatening letters over an unpaid debt. It’s typically a Letter Before Action (LBA) which is a notice to pay to avoid legal action!
Don’t panic, admit, sign or pay anything to Kearns Solicitors straight away, even if you may be tempted to!
Instead, check how old the debt is. If it’s at least 6 years old or more, write back to Kearns to inform them it’s statute barred! In short, the debt has passed the limitation period and is therefore not enforceable.
Your letter should stop them from contacting you further!
If the debt is still current, write to Kearns asking them to prove the debt is yours. Debt collectors must respect your request. It’s a legal obligation for them to provide authenticated proof you owe the money.
A debt collector can’t just tell you that you owe the debt. They must provide solid proof. If they can’t prove you owe the money, they can’t force you to pay.
If Kearns starts legal proceedings against you without proving the debt is yours, you can tell a judge they ignored your request.
It adds strength to your case and might even get you out of paying!
What can Kearns Solicitors legally do?
Kearns Solicitors are regulated by the Solicitors Regulation Authority (SRA) and the Financial Conduct Authority (FCA). It means they must follow the law and Code of Practice when they contact you over an alleged unpaid debt.
I’ve listed what debt collectors can do here:
- Send you letters, call you on the phone and visit you at home
- Discuss an alleged debt with you politely and discreetly
- Ask you to pay them directly
A debt collector cannot legally do any of the following:
- Visit you where you work
- Breach your privacy rights by discussing an alleged debt with your family, friends, neighbours and employer
- Pretend they have the same powers as a court-appointed enforcement officer (bailiff) which is a criminal offence
- Use legal jargon to confuse you
- Show you documents that seem to be official court documents when they are not
- Threaten or harass you
- Force entry into your home
- Clamp vehicles or seize possessions
How a debt solution could help
Some debt solutions can:
- Stop nasty calls from creditors
- Freeze interest and charges
- Reduce your monthly
A few debt solutions can even result in writing off some of your debt.
Here’s an example:
Situation
| Monthly income | £2,504 |
| Monthly expenses | £2,345 |
| Total debt | £32,049 |
Monthly debt repayments
| Before | £587 |
| After | £158 |
£429 reduction in monthly payments
If you want to learn what debt solutions are available to you, click the button below to get started.
Can Kearns Solicitors visit you at home?
Yes. Kearns can visit you at home if all other ways of contacting you fail. However, you don’t have to let them into your house.
In fact, you should under no circumstances let a debt collector into your home!
Instead, talk to their representative through the letterbox or an open upstairs window. They can’t infer they are going to seize your possessions either. Only a court-appointed enforcement officer can do that!
» TAKE ACTION NOW: Fill out the short debt form
Can you complain against Kearns Solicitors?
Yes. You have the right to file a complaint against Kearns Solicitors if they threaten you or harass you over an unpaid debt.
First, file a complaint with Kearns Solicitors’ head office. Then lodge a complaint with the Financial Ombudsman Service (FOS). You must file a complaint with Kearns first though!
Thousands have already tackled their debt
Every day our partners, The Debt Advice Service, help people find out whether they can lower their repayments and finally tackle or write off some of their debt.
Natasha
I’d recommend this firm to anyone struggling with debt – my mind has been put to rest, all is getting sorted.
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How do you contact Kearns Solicitors?
I’ve listed the contact details for Kearns Solicitors here:
| Website | www.kearns.co.uk |
| Address | Kearns Solicitors, Brecon House, 3 Caerphilly Business Park, Caerphilly, CF83 3GQ |
| Telephone | 02920808668 |
| Fax | 02920 808667 |
| [email protected] |
