To Do If You Get A Nasty Letter or Phone Call From:
Bryan Carter and Co.
Who Act On Behalf Of Debt Collecting Firms
This Website is for Consumer
Protection Information and All Content is in the Public Domain
Bryan Carter &
Co is a law company who acts for debt collecting companies (DCAs) of
the type found in DBSG (The Debt Buyers and Sellers Group) and/or mentioned
in consumer finance forms. They have a legitimate function as debt collectors,
but there is some indication that some such companies (not necessarily
clients of Bryan Carter and Co), and especially the debt purchasing
element, go a bit too far sometimes and can make people's lives a misery
when those same people are at their most vulnerable. We do not suggest
that they are acting outside the law, but getting that letter or phone
call is not exactly helpful to you right now.
So the first thing
you must do if clients or Bryan Carter and Co are bothering you is not
to panic or despair. That's just what they want! They'd love
you to call their number and speak to their specially trained sales
team for 'advice'. But once you do that you'll be suggestible to whatever
they tell you, instead of getting independent advice. While we always
say that you should keep an open dialogue with debt collectors, we would
recommend that you do so in writing only. This will prevent them 'railroading'
you into any action which is not in your best interests, as they so
love talking people into doing things on the spur of the moment. Of
course, they are only doing their job, but that's hardly a consolation
for you in the present situation.
There are several
courses that are open to you, and some will suit your own situation
better than others.
A sensible option,
we would suggest, is a debt management plan or even an IVA - which is
designed to actually write off a large chunk of your unsecured debt.
But you would need to take advice on this and look at your income and
expenditure in detail. This option won't suit everyone. There's more
on this below.
As an alternative
you could apply for a 'logbook loan' which many people
find a very handy option. It is actually a loan secured on your car,
except you get to keep the car and keep the cash as well! That's why
some people find it such a good idea, as it unlocks the equity in your
vehicle without taking away your means of transport (there's no need
to sell the car). To apply
for a logbook loan click here.
Yet another option
is a no credit-check guarantor loan. This is especially
useful because your own credit rating is not looked at; you must find
someone else willing to act as a guarantor for you such as a friend
or family member. This is an ideal solution if you're at the stage where
your credit profile has been downgraded by recent events, etc. So click
the following link for Unsecured Loans
that don't need you to be credit checked.
If you wanted to
try a debt management plan, then we provide a whole-of-market service,
with a number of debt management experts on our panel. So whatever your
circumstances, your application will find the plan for you, meaning
the optimum outcome for your situation. It also means
there are no minimum requirements for debt levels or income.
So apply for a debt management plan using the form below.
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be aware that figures entered need to be accurate by law, and to give
the best service to you. It is extremely important that you budget for
all necessary expenditure including rent or mortgage, council tax and
utility bills, etc., and any other necessary outgoings related to the
upkeep of your household and in relation to any specific circumstances
which may apply to you or your household. This website only collects data on behalf of
debt management professionals, from which it will receive affiliate
remuneration for data collection only and does not itself engage in
any debt management services. Other debt management options are available
and may be more suitable. People entering into an IVA or debt management
will have this entered on their credit profile and this may affect their
ability to get credit in the short term or even in the long term in
some cases. It is free to apply from this website; you will be given
advice by debt management professionals and a 'cooling off' period,
by law, to decide whether or not the debt management plan is suitable
for you, and you should be aware that a fee will be chargeable upon
a successful arrangement, as with any commercial transaction. Failure
to meet the repayments on an IVA or any debt management programme may
result in serious consequences, including, but not limited to, bankruptcy.
Bankruptcies, CCJs and similar defaults will be entered into a public
register and will remain there for a statutory period of not less than
six (6) years.
Carter and Co.
Also Known As: Crellins Carter, Bryan Carter & Co., Crellins Carter
& Co., Bryan Carter and Co.
Address: 56 Baker Street, Weybridge, Surrey, KT13 8AL or De Havilland
Drive, Weybridge, Surrey KT13 0NT (they seem to be a bit selective about
which letters they claim to have received, so best to always get a signature).
Telephone: 01932-852833 (for Baker Street) and 0203 147 8060 (for De
Fax: A terse note at the foot of their headed paper reads 'This firm
does not accept service of documents by fax or e-mail (sic)'.
Email: See above.
Extra Data: They share office space with Fredrickson debt collectors.
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NOTE: Bryan Carter
is a solicitor's firm, not a debt collector. The information that follows
therefore relates to Bryan Carter's clients and not to the law firm
itself, which is acting on their behalf. Having a lawyer between the
debt collector and the debtor muddies the water somewhat. Guidance still
relates to the debt collector, as stated in law. But the solicitor will
have a more virtuoso approach to the larger legal picture, and will
be able to creatively throw more spanners into the works. It's a bit
like endowing the debt collector with a brain. You may want to start
taking your own legal advice now.
Bryan Carter and
the Truth About Your Debt
The following relates
to debt collector clients of Bryan Carter solicitors and not to Bryan
Carter & Co.
You may question the validity of the money owed or indeed the existence
of the account itself by making a sar (Subject Access Request) as a
foil to Bryan Carter and Co. The owner of the debt (the bank or the
dca) must give you a fair signed copy of your original credit agreement
if that agreement was made prior to April 6th 2007. When they fail to
do this they are breaking the law, and the alleged debt is then said
to be in dispute. As long as the debt is in dispute they are not allowed
to demand that you pay anything (if they do they are in further breach
of the act) and they are not allowed to sell it on to another agency
(which many do anyway). For as long as the debt is in dispute it is
said to be unenforceable, even by a judge. There's a series of pre-written
letters available for this purpose. You can get a solicitor to do this
for you, because it can be a bit of a strain sometimes. There are also
legal firms professing their services in this area.
So ask Bryan Carter
for a copy of the original contract when you took out your loan or credit
Data On Bryan Carter and Co.
an innocent surburban law firm in the stockbroker belt of the south
east of England, Bryan Carter's website (associated with the law firm
Crellins Carter) lists their areas of interest as family law, probate
and conveyancing, both private and commercial. However, they seem
to share office space with Fredricksons, the debt collectors, and
may have taken care not to mention their interest in the debt recovery
sector so as not to tarnish their appearance.
is evidence to suggest that a significant proportion of their work
comes from debt collection on a "letterheads for hire" basis.
This would explain why letters with Bryan Carter & Co headed paper
were sent out at a time when the firm seems not to have been trading
(there is written evidence from the Law Society's regulatory arm that
the business ceased trading then restarted trading for periods during
2007 but that business was carried on during the time that they appeared
to have not been officially trading, and they are given a bit of a
wigging for this).
is also unclear as to the real location of Bryan Carter & Company's
actual address. It seems that post is being collected from the Baker
Street address up to April 2009 (albeit somewhat selectively) but
the address on their letterheads in De Havilland Drive, which is in
Brooklands Business Park in Weybridge.
you have any information that you would like honest people to know
about Bryan Carter then send us an email in complete confidence and
we will try to corroborate it with the clowns involved.
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a look at the Insolvency Service's leaflet called 'In Debt', downloadable
of Debt Collectors
Bryan Carter website is part of DPC Registry website group. All rights
reserved. Complaints Against Bryan Carter and Company solicitors.
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