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Not everyone will find themselves obligated to satisfy claims from Lovetts Solicitors Debt Recovery. However, brushing them aside could potentially instigate further enforcement action. 

So how should you handle this situation? You will find out soon.

Jane Rohan
Last updated on 20 August 2023
Fact Checked

Table of Contents

1. Who are Lovetts Solicitors?
2. Why are Lovetts Solicitors Contacting Me?
3. Can I Ignore Letters from Lovetts Solicitors?
4. What Do I Do if I Receive a Letter From Lovetts Solicitors?
5. Can Lovetts Solicitors Send Agents to My Home?
6. Should I Pay Lovetts Solicitors What They Are Asking?
7. What Legal Action Can Lovetts Take?
8. What can Lovetts Repossess?
9. How do I Stop Lovetts from Contacting Me?
10. How do I proceed if I Cannot Afford to Repay the Debt?
11. Keep Up To Date With Your Debts
12. Lovetts Solicitors Contact Information
13. Need More Debt Management Options?
14. Key Points
15. FAQ


Who are Lovetts Solicitors?

Lovetts Solicitors is a respected legal firm based in the UK that concentrates on the intricate domain of debt recovery. They have worked in this area for almost 25 years, and they have helped many businesses to collect debt. 

Whenever there is a financial dispute or a claim for a debt, Lovetts stands as the bridge between businesses and those who owe them money. Their team comprises seasoned legal professionals skilled in litigation, negotiation, and settlement. 

They have offices in multiple locations, including:

  • Cheadle
  • Guildford
  • Stockport 
  • Surrey

Why are Lovetts Solicitors Contacting Me?

Lovetts Solicitors will contact you through email, phone, or post if you owe money to a business that they are working for. This includes:

  • Unpaid bills
  • Invoices
  • And other financial responsibilities

Lovetts, as the legal representative of the business, takes up the task of recovering these dues. Keep in mind that they are a legitimate business, so you should never ignore their letters. When they initially contact you, they will inform you to whom they are collecting the debt. To confirm the details and discuss with them how you can settle this issue. 

Can I Ignore Letters from Lovetts Solicitors?

No, as tempting as it might be to toss those letters from Lovetts Solicitors into a drawer and forget about them, it’s highly advisable not to. If you ignore their letters, the situation will escalate to court action. So avoid ignoring their letters unless you’re sure it’s a scammer pretending to be impersonating Lovetts. 

Just because you ignore their letters, it won’t solve the issue. You can only ignore them so much until they decide to take court action, where enforcement agents will visit your home to seize your goods. 

So the first step you should take when you receive a letter from them is to inform them that you received it and that you are deciding on what you should do. This will stop them from flooding you with letters or from escalating the case to legal action. 

What Do I Do if I Receive a Letter From Lovetts Solicitors?

If you receive a letter from Lovetts Solicitors, don’t fret. Just make sure to:

1. Verify the details of the debt. Ensure the claim is accurate and it’s something you owe. If not, you will end up paying for a debt that doesn’t belong to you. You can easily check this using credit check sites.
2. Send a “Prove the Debt” letter- send them a letter requesting to prove that you owe the debt. To do this, they should send proof of an agreement that has your signature. If they don’t show you proof, you don’t have to pay them.
3. Check if your debt is statute-barred: A debt becomes statute-barred after six years pass in England. So it’s not enforceable by the court. However, for a debt to be statute barred, you should not have the following:
  • Made any payments in the last six years
  • Admitted that you owe the money in the last six years
  • Received a County Court Judgement (CCJ) for it 

After you do all of the above and it confirms that you have to pay them, communicate with Lovetts to clarify the situation. Based on your financial circumstances, you can negotiate a repayment plan.

Can Lovetts Solicitors Send Agents to My Home?

Indeed, Lovetts Solicitors can send agents to your home as part of their debt recovery process. However, this usually happens when other avenues of communication have failed. While it may sound frightening, the agents are there to negotiate and arrange a solution, not to cause distress. 

If you don’t want them coming to your home, it’s best to discuss the debt with them over the phone and respond to them when they send you letters. Ignoring will only make the situation worse. Even though they can come to your house, they don’t have the right to enter your house or seize your valuables. Only bailiffs can do this. 

If they pretend to be bailiffs to intimidate you, it is an offence and comes under harassment. In a case like this, directly tell them that you know your rights and that you will make a complaint against them for impersonating bailiffs. 

Should I Pay Lovetts Solicitors What They Are Asking?

Generally, it’s best to clear any debts you owe. That being said, before making any payments to Lovetts, ensure that the debt is yours and the amount is correct. You also have the right to contest if there has been an error. 

It’s not a wise decision to pay them directly without asking for proof or details. But if you’re sure that the debt is yours, it’s best to pay it off. Also, keep in mind that if you’re struggling to pay, just inform them. They will give you other options like payment plans. Don’t agree to make any payments that will worsen your financial situation. 

What Legal Action Can Lovetts Take?

If the debt is not paid, Lovetts Solicitors can escalate the matter to legal proceedings. This can include obtaining a County Court Judgement (CCJ) against you, which could impact your credit rating. In severe cases, they can petition for your bankruptcy. 

However, the steps they will take before taking legal action include: 

1. Attempting to contact you through phone or post in order to inform you of the debt deadlines and to help you work out payment options to help you repay the debt.
2. If you don’t respond to them or if you ignore their letters, they will send agents to your home. Keep in mind that they are not bailiffs. So they can’t come into your house and take your valuables.
3. If you still don’t cooperate, Lovetts Solicitors will go to court and get a County Court Judgement (CCJ) against you. This will make it difficult for you to borrow money in the future, as it will affect your credit report. 
4. In a case where the debt remains unpaid, they will request permission from the court to use bailiffs. The Bailiffs will come to your house and take any valuable belongings to pay off the debt.
5. If this doesn’t work, they can get an Attachment of Earnings. This means a portion of your wage/salary will be directly cut off and utilised to pay off the debt until the debt is cleared. 

What can Lovetts Repossess?

Should legal action be taken, Lovetts can seize certain possessions from your property, including TV, jewellery, and gaming consoles, to recover the owed amount. However, they can’t take essential household items or items needed for your work or education because it would leave you in serious hardship. 

Also, if your debt is too large, it’s unlikely that they will repossess your property. They also can’t take your property if it is not used as collateral for that debt. So they can’t use it to pay off your debt.

How do I Stop Lovetts from Contacting Me?

To stop Lovetts from contacting you, the most straightforward route is to resolve your debt. You can pay the amount in full or negotiate a manageable payment plan. Keep in mind that harassment is against the rules and regulations of the Financial Conduct Authority (FCA).

Further, let them know how you would prefer them to contact you. Give them one mode of communication that you prefer, along with a time. Once you tell them this, they can only contact you in this way. 

If they refuse to listen to you and continue to unfairly contact you at unreasonable times of the day, you can make a complaint. First, directly complain to the company, and then you can escalate it to the Financial Conduct Authority (FCA). 

How do I proceed if I Cannot Afford to Repay the Debt?

If you can’t afford to pay, don’t worry. There are many ways to handle a situation like this. 

Accepting the Reality

No matter how intimidating Lovetts Solicitors might seem, you must understand that they are merely performing their duties. They are not your enemies. In fact, the law dictates that Lovetts cannot pressurise you to pay more than you can afford. They are bound by legislation to respect your financial boundaries. 

Repayment Plan: A Sensible Solution

The most obvious solution when faced with a debt you can’t immediately clear is to propose a repayment plan to Lovetts Solicitors. To get an IVA:

  • You communicate your financial situation to Lovetts Solicitors.
  • Together, you negotiate a feasible monthly payment scheme.
  • You make these payments until your debt is cleared.
Exploring Other Options: The Role of an IVA

An alternative to consider is an Individual Voluntary Arrangement (IVA). This is where you agree to pay creditors a portion of the money, but after a five-year time frame, you can write off the debt. So here is how you can apply for one:

  • Get help from a debt advisor and apply for an IVA
  • Make payments every month based on how much you can afford
  • At the end of the IVA term, any remaining debt gets written off.
Other Debt Solutions

Apart from an IVA, there are many other debt solutions that you can choose from. So get debt advice and choose one that best fits your situation:

Keep Up To Date With Your Debts

If you properly keep track of your debts, it will help you to avoid a lot of unnecessary issues. So keep in mind to always check your credit report, emails, and post for any debt notices or late notices. Some famous debt collection companies to look out for include:

  • PRA Group
  • Lowell Financial
  • Cabot Finance

Lovetts Solicitors Contact Information

If you need to get in touch with Lovetts, you’ll easily find their contact details on their official website. They’re approachable and keen to help resolve your debt matters. 

Head Office: Bramley House, The Guildway, Old Portsmouth Road, Guildford, Surrey GU3 1LR
Telephone: +44 1483 457500
Email: info@lovetts.co.uk
Website: lovetts.co.uk

Need More Debt Management Options?

Besides dealing with Lovetts, you have other avenues to help manage your debts. Many independent organisations offer free advice and may help negotiate with your creditors. Some of these include:

  • StepChange
  • National Debtline
  • Citizens Advice
  • Debt Advice Foundation

Key Points

  • Lovetts Solicitors is a UK-based law firm specialising in commercial debt recovery and dispute resolution.
  • If Lovetts Solicitors are contacting you, it is likely because they are representing a company or individual you owe money to and they are attempting to recover the debt.
  • Ignoring letters from Lovetts Solicitors is not advisable as it can lead to more serious actions, such as court proceedings.
  • You should not panic when receiving a letter from Lovetts Solicitors. Instead, validate the debt, establish a dialogue with Lovetts, and explore possible solutions for repayment.
  • Agents from Lovetts cannot forcibly enter your home without your permission. However, open communication can prevent such circumstances.
  • The law dictates that you should never pay a debt collection agency like Lovetts Solicitors if it causes further financial hardship. They are also required to treat you fairly throughout the debt collection process.
  • Lovetts Solicitors can take legal action if necessary, but such actions are only taken after a series of failed attempts to recover the debt amicably.
  • Staying informed and taking active measures towards your debts can prevent future issues and stress.
  • It’s important to know how to get in touch with Lovetts Solicitors for queries and further discussions.
  • If the situation with Lovetts is causing undue stress, seeking advice from a debt management company can provide other options.


What is the Specialty of Lovetts Solicitors?

Lovetts Solicitors is a UK-based law firm specialising in commercial debt recovery and dispute resolution.

Why is Lovetts Solicitors Contacting Me?

If Lovetts Solicitors is contacting you, it’s likely because you owe money to a company or individual they’re representing, and they’re attempting to recover that debt.

What Should I Do If I Receive a Letter from Lovetts Solicitors?

Do not ignore the letter. It’s important to validate the debt, initiate communication with Lovetts, and consider possible solutions for repayment.

Can Lovetts Solicitors Force Entry into My Home? 

No, agents from Lovetts cannot forcibly enter your home without your permission.

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