Brecon House Caerphilly Letter with Legal Threats?

Did you get a Brecon House Caerphilly letter with legal threats of impending action? If so, you’re not the only unfortunate person to have such a scary letter drop through your post box!

Check out my post to find out who sends out this type of letter. And how to deal with the situation for a more positive outcome!

Do you have to pay Kearns Solicitors?

You might not have to pay Kearns Solicitors.

If you genuinely can’t afford your debt repayments then looking into whether you could have your written off might be just what you need. 

If you want to find out whether you qualify for having debt written off or payments lowered then fill out the short form below.

Who uses the Brecon House Caerphilly address?

Kearns Legal Services is a registered business whose address is Brecon House, Caerphilly. The company is typically known as Kearns Solicitors and they only deal with landlord-tenant issues and debt recovery, unlike other solicitors.

Here is a question a person asked over an MBNA debt:

Source: Moneysavingexpert

The difference between Kearns and other debt collection companies is that Kearns offers its clients legal support. So when they advise a client to start legal proceedings, they are there to provide the support needed.

To date, Kearns Solicitors has earned quite a few negative reviews on online review sites which includes Google! Although Google reviews are not verified! That said, they have 0 reviews on the solicitors’ reviews site, just people smiling back at you!

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!

Can you lower your repayments?

If you’re struggling to pay back your debt, then you might qualify for a debt solution.

Some solutions lower your monthly payments while others write off a portion of your debt. 

To find out whether they could work in your situation, hit the button below.

Get Started

What happens when a debt is statute-barred?

A statute-barred debt is at least six years old. Courts won’t hear cases that are this old. But for a debt to be statute barred, the following must apply:

• You’ve had no contact with the creditor or paid any money to them in the last six years
• There’s no current CCJ against you over the debt
• You never admitted owing the money in the last six years

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

Do Debt collectors give up?

No. Debt collectors rarely give up chasing you over an unpaid debt. Moreover, they do whatever they can to make you pay using distasteful and often unlawful tactics!

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!

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!

How do you contact Kearns Solicitors?

I’ve listed the contact details for Kearns Solicitors here:

What debt advice is there in the UK?

You can contact one of the debt charities if you’re struggling with debt and you’ve been contacted by Kearns. The free, impartial advice charities provide could be invaluable in helping you deal with the debt collector!

Here are links to three of the major debt charities:

• StepChange
• Citizens Advice
• National Debtline

“It will only get worse” 😩

It’s cliché to say, but with debt it’s true; the longer you leave it, the worse the problem gets. 

There are straightforward and effective ways to deal with debt, but you have to know your options. 

Fill out the short form to find out about the debt solutions that could reduce your monthly payments or even write off some of your debt.

Get Started

Lastly, Brecon House Caerphilly letter with legal threats!

If you received a Brecon House Caerphilly letter with legal threats of impending action, it’s from Kearns Solicitors. Don’t admit, sign or pay anything to the debt collector straight away!

Instead, check if the debt is statute-barred. If it is, tell Kearns Solicitors to stop contacting you. If, however, the debt is current, write to Kearns asking them to prove you owe the money!

Kearns must provide you with authenticated proof you owe the money. If they can’t, you may not have to pay!

Only pay Kearns when they can prove the debt is yours in writing. Then try to negotiate a fair repayment plan. One you can afford! If in doubt contact one of the debt charities to get free, impartial advice.

Thanks for reading this post. I hope the information clears up any doubts you have about a Brecon House Caerphilly letter with legal threats of impending action!