Received letter from Bryan Carter Solicitors

Goonboy

Hello, firstly i am going to apologise for the following post, as i dont really have any law know how, im a total beginner.

Basically, i had a credit card with HSBC in 2005/2006. I went over the overdraft limit (£3200) and couldnt keep up with the repayments. They then passed the debt onto Fredrickson, and again couldnt keep up with payments. According to my report on experian, it defaulted on 14/06/2007.

Over the next few years, i didnt really hear much from them. the odd letter here and there. Then they passed the debt to Phoenix Recoveries Limited. Again, i hardly heard from them.

Then, out of the blue, i received a letter last month (mid-June) from a Bryan Carter demanding full payment for their "client" Phoenix Recoveries. After reading online about them, i decided to wait it out and see what their next step was.

This morning i received another letter from them...

Dear Mr .....

As you have failed to make repayments on the above account we have now issued litigation proceedings in the county court. You will recieve the claim form in the next 48 hours direct from the Court.

You can telephone 0843 3133128 to discuss this matter.

If judgment is entered against you and remains unsatisfied it will remain on the judgment register for six years and you may have difficulties obtaining further credit.

Im not sure what my next step should be here.

One note of interest is, according to experian, when the debt was defaulted, i owed £3354. According to this letter i got today, the balance is £3658.80?

please can anyone help? thank you

Gordon_Hose

Your next step would be to wait for the papers to arrive from the court.

Goonboy

ah i see thanks. But what would to happen if the papers never turned up? They say the papers would be here in the next 48 hours, yet that letter was dated 1st July. Of course, they might still come tomorrow..

Gordon_Hose

My point is that they may have sent that letter to scare you into contacting them.

Thei letter states "IF judgement is entered against you..." not WHEN

Goonboy

ahh gotcha

sneaky gits the lot of them

Gordon_Hose

Just keep an eye on the post and keep us updated.

Goonboy

nothing in the post today. i hope they were just bluffing. Would it be an idea to send of a CCA request or something anyway do you think?

Gordon_Hose

When was the last time you paid anything towards this debt?

Goonboy

hmm probably about 4 ish years

Gordon_Hose

Ok, then wait until next week to see if anything arrives, then CCA them.

30grand

One of my debts got passed to Bryan Carter early this year. They sent me similar letters all in official looking high quality paper etc but never received anything from the courts too and never heard anymore. I'm not suggesting your bury your head in the sand like me, but as someone has said above if you look at the way they write it designed to scare you into calling them, especially since your debt will be soon heading to SB status. :think: