Kearn Solicitors uses Brecon House Caerphilly as their registered address to reach out to borrowers. If you’ve received correspondence from this address, it might be an indication that you have debts that need to be settled.
- Are you aware of this?
- Or perhaps you’re unsure?
- Maybe you’re confident you don’t owe them anything?
These questions might be on your mind if a letter from Brecon House Caerphilly has recently arrived at your doorstep. In this article, we’ll guide you through finding answers and exploring potential solutions to address this issue effectively.
Who uses Brecon House Caerphilly UK?
Brecon House Caerphilly, situated at A-C Brecon House, 3 Caerphilly Business Park, Caerphilly CF83 3GQ, serves as the registered office for Kearns Legal Services Ltd.
This company operates under the registered name Kearns Legal Services Ltd, with the company number 08791086. They are commonly known as Kearn Solicitors.
For more information regarding their company registration, further details can be found through the appropriate channels.
- Did you get a letter addressed to Brecon House Caerphilly demanding repayment of a debt you owe to them?
- Have they reminded you that they will take you to court if you do not pay back in due time?
Apart from the above all questions, you may have new ones in mind too. Keep reading this post, and you will find all the answers you seek online without any effort…
As a noteworthy entity in debt recovery, Brecon House Caerphilly is not merely a building. It is an integral part of Kearns Solicitors.
But who exactly are they? Let’s dive in!
An Introduction to Kearns Legal Services Ltd
Kearns Legal Services Ltd, commonly referred to as Kearns Solicitors, is located within Brecon House Caerphilly.
This UK-based firm specializes in two primary services:
- Assisting landlords facing challenges with problematic tenants.
- Providing support in debt recovery.
In situations where creditors become weary of pursuing debtors for repayment, they may choose to engage Kearns Solicitors by either hiring them or selling their debts to the agency.
Once involved, Kearns Solicitors takes on the responsibility of pursuing the debtors. If a debtor continues to disregard requests for payment, the situation may escalate, potentially leading to a court order.
What distinguishes Kearns Solicitors from other debt collection agencies is their in-house legal support team, which is available to handle cases that require resolution in court.
Now, let’s consider a pertinent question: “What do clients think about their services?”
Assessing Kearns Solicitors: Google map location Brecon House Caerphilly Reviews says everything
Kearns Solicitors, located at Brecon House Caerphilly CF83 3GQ, frequently receive reviews from alleged debtors.
Below are some insights from their Google Maps listing for Brecon House Caerphilly CF83 3GQ.
The overall Google review score for Kearns Solicitors is 2.4 out of 26 reviews.
One reviewer expressed dissatisfaction, stating,
“Thieves and liars. Took two payments from my account and then denied it. Got bank statement as proof. Unauthorised and taken without my consent, so THEFT. Avoid giving Kearns your bank details.”(Source: Google Map Link)
Another review noted,
“If there was an option for 0 stars, that’s what they would be given. Most unapproachable company I have ever dealt with and no empathy for people with mental health issues.” (Source: Google Map Link)
These reviews reflect a range of experiences, with many highlighting negative interactions.
Procedure for Kearns Solicitors’ Debt Collection
Kearns Solicitors follows a recovery process akin to that of other professional debt collection agencies. Their operations commence as soon as a client engages them as their official debt collection agent.
The initial step involves sending a Letter Before Action (LBA), which warns of potential legal action if payment is not received.
To verify the legitimacy of this letter, recipients should check the official details, particularly the registered address: A-C Brecon House, 3 Caerphilly Business Park, Caerphilly CF83 3GQ, United Kingdom.
After dispatching the LBA, Kearns Solicitors will reach out using all available contact methods.
Receiving this letter may induce feelings of fear and intimidation, as it can contain language that implies legal threats.
While there is no certainty that legal action will be taken, it is advisable not to wait until that point.
Intrigued? Keep reading to discover your options when faced with such a situation!
Exploring the Time Limit for Brecon House Debt Collection
The time limit for debt collection by Brecon House Caerphilly and Kearns Legal Services Ltd is generally six years from the date the debt became due.
However, there are some nuances to consider:
- If the debt is older than six years, the clock resets to the last day you contacted the agency or made a payment. This means the six-year period starts over from that point.
- If you haven’t made any payments towards the debt in the past six years and haven’t acknowledged the debt in writing (including email) during this time, the debt may be considered “statute-barred.” This means it is too old to be legally enforceable.
- The specifics can vary depending on your location and the type of debt. It’s best to consult with a debt advisor for a comprehensive understanding of the statute of limitations in your particular situation.
If you receive communication from Kearns Legal Services Ltd regarding a debt, it’s important not to ignore it.
Request proof from the agency to verify the debt’s validity. Compare the information they provide to your records to ensure accuracy.
Remember, you have rights as a debtor. Brecon House Caerphilly and Kearns Legal Services Ltd must treat you fairly and allow reasonable time for repayment. Stay informed about your rights and communicate openly with the agencies to find a resolution.
Responding to a Debt Letter from Brecon House Caerphilly
Receiving a debt collection letter from Brecon House Caerphilly can be stressful, but it’s important to remain calm and take a proactive approach.
Here are the steps to handle the situation effectively:
1. Analyze the Situation
- Determine the type of debt and when it was incurred.
- Ask yourself key questions to assess the situation.
2. Request Proof of Debt
- You have the right to demand a detailed breakdown of the alleged debt from Kearns Solicitors.
- This can buy you time or potentially absolve you of the debt if they cannot provide valid proof.
3. Expect Proof of Debt
The proof provided by Kearns Solicitors should typically include the following:
- The date the debt was incurred
- Details of the original debt agreement
- The name of the original creditor
- The current balance, including any interest or charges
Thoroughly review the proof once it arrives.
4. Seek Professional Advice
- Consult with a debt adviser to understand your rights and responsibilities.
- They can help determine if the debt is statute-barred, meaning it’s too old to be legally collected.
5. Investigate Ageing Debts
- If the debt is older than six years, you haven’t made any payments, and you haven’t acknowledged it within this period, it may be considered statute-barred.
- However, there can be nuances to this rule, so it’s important to seek professional guidance.
6. Make a Repayment Plan
- If the debt is valid, negotiate with Kearns Solicitors to agree on a manageable repayment plan.
- Keep copies of all communication as evidence if the matter escalates to court.
- If the debt is substantial, consider applying for a Debt Management Plan (DMP) or Individual Voluntary Arrangement (IVA).
Remember, staying informed, assertive, and proactive is key to effectively managing the situation with Brecon House Caerphilly and Kearns Solicitors.
Possibility of Kearns Representatives Visiting Your Home
Kearns representatives do not have the authority to forcibly visit your home, despite their role in debt recovery.
They may only come to your residence in extreme cases where you have consistently ignored their attempts to contact you.
However, they cannot enter your property unless they are enforcement agents (bailiffs). Any attempt to reclaim your belongings as a repayment method requires a court order.
If you continue to ignore letters from Brecon House Caerphilly and all other forms of communication, you will eventually receive a final notice known as a Letter Before Action (LBA).
This letter will inform you that you need to settle the debt or arrange a payment plan by the specified due date, or legal action may be taken against you.
By law, they must send you this LBA, clearly stating their intention to pursue legal action if you do not comply before proceeding to court.
The legal process typically follows these five steps:
- Kearns Solicitors will send you an LBA.
- If you continue to ignore their communications, the creditor and Kearns Solicitors will seek a County Court Judgment (CCJ) against you.
- If you still do not respond, they will return to court to obtain a warrant or writ of control, allowing enforcement agents (bailiffs) to recover the debt.
- The enforcement agents (bailiffs) will visit your home to seize valuable belongings. Initially, these items will be stored in a warehouse and later sold at auction to cover the total debt, including all bailiff fees.
- Any remaining balance from the auction will be charged to you.
As you can see, this situation can escalate quickly, so it is advisable not to wait until it reaches this point.
If you are dissatisfied with Kearns Solicitors’ services, you can voice your grievances directly to them. If their response is unsatisfactory, you may also file a complaint with a regulatory body, such as the Solicitors Regulation Authority.
Always remember that you have rights as a debtor, and any complaints should be addressed professionally.
How do you lodge a complaint against Kearns from Brecon House Caerphilly?
If you are dissatisfied with your interactions with Kearns or Brecon House Caerphilly, you have the right to file a complaint directly with Kearns Solicitors.
If your complaint remains unresolved, you can escalate the matter to the Financial Ombudsman Service (FOS).
However, it’s worth considering whether other debt collectors might be involved in your situation. Let’s explore this further!
Researching Additional Debt Collectors
You may find yourself managing multiple debts simultaneously, as they have become a common aspect of modern life.
Regularly checking your credit report can help you keep track of your debts and determine if any have been sold to a debt collector.
It’s essential to remember that expert advice is readily available from debt charities such as StepChange and Citizens Advice.
Staying informed and prepared is key to effectively managing your financial situation!
Kearns Legal Services Ltd Contact Details
| Website: | www.kearns.co.uk |
| Address: | Kearns Solicitors, Brecon House, 3 Caerphilly Business Park,Caerphilly, CF83 3GQ |
| Telephone: | 02920808668 |
| Fax: | 02920 808667 |
| Email: | [email protected] |
FAQs
Who are Brecon House Caerphilly?
Brecon House Caerphilly is a debt collection agency specializing in recovering debts on behalf of businesses and individuals. Receiving a letter from them does not imply fault on your part; it is advisable to request proof of the debt and seek professional advice.
Who is Kearns Legal Services Ltd?
Kearns Legal Services Ltd is a legal firm that frequently represents creditors in debt recovery processes. Upon request from debtors, they can provide proof of debt. If you have any doubts about the information they provide, consider consulting with a debt advisor.
Is your Brecon House debt too old to be collected?
A debt is generally considered “too old” to be collected if it is more than six years old and you have not acknowledged it or made any payments during that time. However, the specifics can vary based on your location and the type of debt. For a thorough understanding of “too old” debts, it is advisable to consult a debt advisor.
Can Kearns come to my house?
No, Kearns representatives do not have the authority to enter your home unless they are enforcement agents (bailiffs). While Kearns Legal Services Ltd represents creditors, they typically do not conduct home visits.
Debt collection agencies associated with Brecon House Caerphilly may perform home visits, but there are legal limitations on such actions. If you feel uncomfortable with a home visit, contact a debt advice service for assistance.
How do I complain about Kearns?
If you are dissatisfied with Kearns’ services, you can file a complaint directly with them. If their response is unsatisfactory, you can escalate your complaint to a regulatory body, such as the Solicitors Regulation Authority. Always remember that you have rights as a debtor, and any complaints should be addressed professionally.