Bryan carter Solicitors -asking to confirm residence

[strong123]

Hi

I'm new here and desperately need some advice.

I have recently been contacted by Bryan Carter solicitors asking me to confirm my residence as they have done checks but due to "data Protection" they cannot discuss what it is they are contacting me for until I confirm I am the right person.

Now I know who they are, and whatever they are contacting me for is a debt, (not sure of which that is well, and truly statute barred) we are talking of debts 12-13 years old that I have never made any payment to or acknowledgement in over 9 years. In fact my last correspondence to a debt collector I stated statute barred and was left alone for many years.

My issue is that i am not sure if I should respond with a letter stating statute barred or leave it as they have not yet confirmed what it is they are contacting me for, or will I be opening a can of worms.

My massive concern about leaving it is that I am in the process of getting a mortgage which has been agreed, credit check done etc. But I know of BC rep of issuing CCJ without any knowledge and I really don't need that as another credit check will be done before completion.

Any response to this would be greatly appreciated.

P.s. I received the letter around 2-3 weeks ago and I've heard nothing again as yet.

Many thanks

[enquirer]

Re: Brian Carter sent letter asking me to confirm residence

Do not reply.

Although the debt may be statute barred, confirming your address and identity will only result in further harassment.

[QCKate]

Re: Brian Carter sent letter asking me to confirm residence

Do not reply.

Although the debt may be statute barred, confirming your address and identity will only result in further harassment.

I agree entirely. You have no obligation to reply.

QCK

[CleverClogs]

Re: Bryan carter Solicitors -asking to confirm residence

I know of BC rep of issuing CCJ without any knowledge

Really?

Don't the courts object at such an usurpation of their role?

[strong123]

Re: Bryan carter Solicitors -asking to confirm residence

[QUOTE=enquirer;374601]Do not reply.

Although the debt may be statute barred, confirming your address and identity will only result in further harassment.

Thank you, I can't tell you how worried I've been. I've read so many horror stories of people receiving ccj because bc have purposely issued the papers to the wrong address. They only realised about the ccj when they checked their credit report.
The timing is so off.
Thanks again.

[strong123]

Re: Bryan carter Solicitors -asking to confirm residence

Really?

Don't the courts object at such an usurpation of their role?

Made me chuckle. Thank you

[strong123]

Re: Bryan carter Solicitors -asking to confirm residence

Thank you all for your response.
Can I ask does anyone know if Bryan Carter can issue a ccj on the back of a confirmation of a address letter without a response from me?
Quite honestly I'm pretty sure they will write again....these people never go away!!
Thank you.
Also just to mention I believe they are contacting me in relation lowell portfolio/red... they all the same company I know.

[enquirer]

Re: Bryan carter Solicitors -asking to confirm residence

Thank you all for your response.
Can I ask does anyone know if Bryan Carter can issue a ccj on the back of a confirmation of a address letter without a response from me?

How will they get a CCJ for a statute barred debt? The debt exists, but it's dead.

Quite honestly I'm pretty sure they will write again....these people never go away!

Anyone with the same name as you will probably get letters too.

[strong123]

Re: Bryan carter Solicitors -asking to confirm residence

[QUOTE=enquirer;374763]How will they get a CCJ for a statute barred debt? The debt exists, but it's dead.

Yes Enquirer, I agree...but aren't these the same Bryan Carter that do nothing by the book? Splitting issuing ccjs to previous address'....and then splitting debts in order to ensure he gets his fee first. That's the only reason I worry.
I'm checking my credit file daily and am totally consumed by it.
If I wasn't in the process of trying to buy a home I'd sit back and wait for the battle, but I'm sick with worry.
Sorry to go on, just so stressed over the whole thing.
Thanks again for your responses to this.


Anyone with the same name as you will probably get letters too.
Mmm, maybe nobody then.

[ODC]

Re: Bryan carter Solicitors -asking to confirm residence

Bryan Carter cannot issue CCJs. He is only a solicitor. Only a court can issue a CCJ. Uncle Bryan may well try to issue a summons through Northampton but once you challenge it he will run a mile.

Ignore this man at present

[strong123]

Re: Bryan carter Solicitors -asking to confirm residence

[QUOTE=ODC;374918]Bryan Carter cannot issue CCJs. He is only a solicitor. Only a court can issue a CCJ. Uncle Bryan may well try to issue a summons through Northampton but once you challenge it he will run a mile.

Ignore this man at present[ Thank you, I will take your advice and ignore for now. I am sure I will hear from him again, and may need some advice at that time. Thank you again]

[CleverClogs]

Re: Bryan carter Solicitors -asking to confirm residence

How will they get a CCJ for a statute barred debt? The debt exists, but it's dead.

By default.

[strong123]

Re: Bryan carter Solicitors -asking to confirm residence

By default.

But I thought you couldn't get a default on a statute barred debt....or am I wrong? Apologies if my terminology is wrong.

So far I don't even know what this debt is for yet, but I have a fair idea and sure it's lowell who is their "client" all I have received to date is a letter asking me to call them to confirm they are writing to the right person.

[ODC]

Re: Bryan carter Solicitors -asking to confirm residence

But I thought you couldn't get a default on a statute barred debt....or am I wrong? Apologies if my terminology is wrong.

So far I don't even know what this debt is for yet, but I have a fair idea and sure it's lowell who is their "client" all I have received to date is a letter asking me to call them to confirm they are writing to the right person.

Bryan coulf get a default judgement for anything if you do not respind to a legitimate court summons. That is why i said do nothing until you hesr from this odious little man (allegedly) again. Rest easy, he always runs from a fight

[strong123]

Re: UPDATE...Bryan carter Solicitors -asking to confirm residence

Thank you again for getting back to me.

An update: And this is down to my complete lack of knowledge re: ccjs, I'm really hoping someone can advise.

So I have still not heard from BC which surprisingly I find unsettling and this is why....
(I will try to be brief and as informative to the best of my knowledge)

In roughly 1999/2000 I took out a personal loan for £k after paying back for roughly a year or so I found myself in terrible financial difficulty and defaulted on the the loan (it was that or lose my home) in 2003 I sold my home (that or get my home reposed...I had notification on more than one occasion for repo. In that time I was plagued by one bailiff letter after another but me being me I burried my head in the sand in the hope it would go away. Things got so bad I ended up selling my house a getting a smaller place in.
Within months I was plagued by bailiffs at my new property.

Eventually I got a ccj, and agreed to £50 a month I think. Was paying for a while and things became difficult again and I stopped paying again. I was young and didn't understand the ramifications of a ccj. Again I received bailiff letters, would get them for a few months and then they just stopped. Until 2006 (roughly) I received a call at work, from a different bailiff who kept asking me "do you acknowledge the debt" I kept saying what do you mean your calling me and he'd ask again until eventually I told him I'm at work I'd call him back to discuss. Then started to Google old debts and found statute barred...anyway, armed with my new found knowledge (or so I thought) when they contacted me again I stated it was statute barred and hung up. The letters and calls stopped for a few years, then I'd get a call again, this time from a different collector and I stated it again and they stopped...for years,. I'd hear nothing for a long time until this letter from Brian carter asking for me to confirm address etc.
Now I realise ccjs are not statute barred.

Thank you all for your previous advise, but now the circumstances have changed (and I'm not so confident) does my stance change? Is it best that I do contact them?
As the debt has been sold, are they aware/have paperwork of ccj
I really don't want bailiff at my door.
Just to keep you all completely in the loop, I sold that flat where I got ccj in 2010 I didn't make any profit to pay any debt back or I would have. I have moved a few times since I quoted statute barred but thought that was the end of it.

Can I say, I'm still not sure this is what I've been contacted for. It could be one that is statute barred.

Please please help me, I feel sick since I've come to realise the whole ccj situation.

Many thanks.