Kearn Solicitors uses Brecon House Caerphilly as their registered address to contact their borrowers. In fact, You may have debts that need to be settled if they are reaching out to you via the above address.
- Are you aware of it?
- Or are you not aware of it?
- Or can you say you don’t have debts to them confidently?
The above problems might have already risen in your head if a letter from Brecon House Caerphilly as their sending address has landed next to your doorstep.
So let us walk you through this article to find answers and possible solutions to overcome this problem effectively…
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- Did you get any letter addressed from Brecon House Caerphilly demanding to pay back a debt you owe to them?
- And do they have reminded you that they will take you to court if 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…
Who uses Brecon House Caerphilly uk?
Brecon House Caerphilly which is located at the prime spot of A-C Brecon House, 3 Caerphilly Business Park, Caerphilly CF83 3GQ, United Kingdom, serves as the registered company address of Kearns Legal Services Ltd.
Their Registered Company name is Kearns Legal Services Ltd under company number 08791086. Click here to find more details about their company registration.
Currently, they go by the common name Kearn Solicitors.
As a noteworthy entity in debt recovery, Brecon House 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 is widely known as Kearns Solicitors. And it is positioned within the confines of Brecon House Caerphilly.
This UK-based firm specialises in two main services:
Sometimes there are instances where creditors get tired of chasing their debtors and asking them to pay back the money they owe. In those instances, creditors hire or sell their debts to a debt collection agency like Kearn Solicitors.
From there onwards, Kearn Solicitors begins chasing their client’s borrowers. Sometimes if the debtor keeps ignoring, they will go to an extent where the case may end up with a court order.
Additionally, unlike other debt collection agencies, they got their own legal support team if the case needs to be solved in court.
Now, let’s address a burning question, “What do people say about their services?”
Assessing Kearns Solicitors: Google map location Brecon House Caerphilly Reviews says everything
Kearns Solicitors, situated at Brecon House Caerphilly CF83 3GQ, are often reviewed by alleged debtors.
Check out below. These reviews were taken from their Google map location Brecon House caerphilly CF83 3GQ list.
Overalls Google review Score of Kearns Solicitors – 2.4 out of 26 reviews
Thieves and liers. 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 kerns your bank details
Simon McKenzie has commented –
(Source google map link)
If there was an option of 0* that’s what they would be given, most unapproachable company I have ever dealt and no affinity to people with mental health issues.
June Hindle has commented –
(Source google map link )
These reviews suggest an array of experiences, some positive and others not so favourable.
Procedure for Kearns Solicitors’ Debt Collection
Kearns Solicitors initiates their recovery process in a similar manner to their industry peers as a professional debt collection agency.
They will start their operations as soon as the client hires them as their official debt collection agent.
The first thing they will do sending A Letter Before Action (LBA), hinting at impending legal action if payment is not made. You can verify whether this letter is a legitimate one or not by checking the official details noted on it.
Mainly check for their registered address – A-C Brecon House, 3 Caerphilly Business Park, Caerphilly CF83 3GQ, United Kingdom.
They will start reaching out to you using every method of contact they have for you after sending the initial LBA. You will feel a little fearful and intimidated after reading this letter. Even these letters may contain indirect terms which may imply legal threats.
You cannot guarantee whether they will take legal action against you. But it is not worth waiting till that happens.
Intriguing, isn’t it? Keep reading to find out what you can do when faced with such a scenario!
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Steps to Take in Responding to a Debt Letter from Brecon House Caerphilly
It can be a surprise when you get a letter from Brecon House Caerphilly. However, don’t panic! There are steps to handle this situation effectively.
Firstly, it’s crucial to remain calm. A debt letter can seem alarming. But remember, there’s always a solution. As such, your first job is to analyse the situation.
These are some of the questions you need to ask yourself.
Secondly, ask for proof of debt from Kearns after you’ve assessed the situation. This is a fundamental right you possess. So, you can legally demand a detailed breakdown of the alleged debt.
This can buy you time or even entirely absolve you of the debt if the creditor cannot provide valid proof.
But, you might be wondering, what type of proof should you expect from Kearns? Let’s explore that next.
The proofs provided by Kearn 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, along with any interest or charges
It’s crucial to thoroughly review this proof once it arrives.
But,
- What if the debt in question is old (statute-barred)?
- Does its validity vanish over time?
Hold onto that thought; we’ll delve into that shortly.
Fourthly, it’s beneficial to seek advice from a debt adviser. Debt advice services can help you understand your rights and responsibilities.
They may also assist in determining whether the debt is statute-barred. Statute-Barred is a legal term that gives the meaning it’s “too old” to be legally collected.
This takes us to our next point, age and its implications on debt.
Now, it might be “too old -” to be legally enforceable.
But is there any catch to this statute-barred rule? Well, the intricacies of statute-barred debt are a story for another time.
Finally, it’s best to plan out a repayment strategy if the debt is indeed yours. You can negotiate with Kearns to agree on a manageable repayment plan.
You can wait and watch what happens in the future if the Kearns Solicitors fail to provide you with the proof. Always keep copies of all forms of communication that show what you tried to do with them. These copies will help a lot if this matter escalates to a court case.
If the debts are huge better to apply for a debt management plan (DMP) or an Individual Voluntary Arrangement (IVA)
Exploring the Time Limit for Brecon House Debt Collection
Interestingly, some debts may become “too old” to be legally collected.
A six-year window is generally applicable, but the specifics can get more complicated.
These specifics include,
Yet, you may be wondering how to communicate with Kearn Solicitors. We’ve got you covered!
Possibility of Kearns Representatives Visiting Your Home
They do not possess the authority to forcibly visit your home despite Kearns representative’s role in debt recovery.
They can visit and have a convocation with you only in extreme cases where you keep ignoring all their other reach outs. But they do not have the authority to enter your premises unless they are enforcement agents(bailiffs).
Any attempt to retrieve your belongings as a repayment method requires a court order.
Eventually, they will send one last letter under the title Letter Before Action(LBA) sent from Brecon House Caerphilly. It will notify you in words that you need to settle or comes to a payment arrangement before the due date mentioned in it. Or else they will take legal action against you.
By law, they have to send you LBA that clearly states that they are going to take legal action if you do not comply before they go to court.
The legal procedure will be taken in 5 steps,
Step 1:
Kearns Solicitors will send you an LBA
Step 2:
Then the creditor and Kearns Solicitors will go to court and take CCJ subjugation against you If you keep ignoring their reach outs.
Step 3:
They will go to court again and will take a warrant or a writ of control to use enforcement agents(bailiffs) to recover their debts if you ignore CCJ subjugation.
Step 4:
The enforcement agents(bailiffs) will visit your home and seize your valuable belongings. At first, they will store them in a warehouse and then eventually sell them in an auction to acquire total debt. These charges include all the charges of Bailiffs as well.
Step 5:
the rest of the auction balance will be debited to you.
As you can see, this is really bad. Thus we strongly suggest you do not wait until this could happen.
But how would you voice your grievances if you are dissatisfied with Kearns?
How to Lodge a Complaint Against Kearns from Brecon House Caerphilly?
You have the right to lodge a complaint to the Kearns authorities first if you’re unhappy with the interactions from Kearns or Brecon House Caerphilly.
You can complain to the Financial Ombudsman Service (FOS) if the complaint remains unresolved.
However, could other debt collectors be involved? Let’s investigate further!
Researching Additional Debt Collectors
You might end up owing multiple debts simultaneously as debts have become a commonplace aspect of modern life.
Therefore regular checks on your credit report can help you keep track of them and identify if your debt has been purchased by a debt collector.
Always remember, expert advice is available from debt charities like StepChange and Citizens Advice.
Stay informed and stay prepared!
Kearns Legal Services Ltd Contact Details
| Website: | kearns.co.uk |
| Address: | Kearns Solicitors, Brecon House, 3 Caerphilly Business Park,
Caerphilly, CF83 3GQ |
| Telephone: | 02920808668 |
| Fax: | 02920 808667 |
| Email: | info@kearns.co.uk |
FAQ
Who are Brecon House Caerphilly?
Brecon House Caerphilly is a debt collection agency. They specialise in recovering debts on behalf of businesses or individuals.
Remember, receiving a letter from them doesn’t mean you’re at fault. It’s best 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 often represents creditors in debt recovery processes.
They might provide proof of debt when requested by debtors. If you’re unsure about any information they provide, don’t hesitate to consult with a debt advisor.
Is your Brecon House debt too old to be collected?
Debt is typically considered “too old” to be collected
However, the specifics might vary based on your location and type of debt. For a comprehensive understanding of “too old” debts, it’s wise to consult a debt advisor.
Can Kearns come to my house?
No, they do not have the authority to enter your premises unless they are enforcement agents(bailiffs).
Yes, Kearns Legal Services Ltd represents creditors. But they are not typically involved in-home visits. Debt collection agencies (Brecon House Caerphilly address owner) might perform home visits, but they are legal limitations in doing so.
Contact a debt advice service if you’re uncomfortable with a home visit.
How do I complain about Kearns?
No, they do not have the authority to enter your premises unless they are enforcement agents(bailiffs).
You can lodge a complaint directly with them if you’re unhappy with the services of Kearns.
You can file your complaint to a regulatory body like the Solicitors Regulation Authority if their response isn’t satisfactory. Always remember you have rights as a debtor, and any complaints should be handled in a professional manner.
