Hey there
im after some opinions... seeing as this forum is so full of stories about Bryan carter solicitors!!.
About 4 weeks ago.
I received out of the blue... A Court Claim form for an outstanding debt of £450.. This debt was defaulted June 2007.. I spoke to Bryan Carters... to discuss settlement..as far as I was aware I had made a payment in Novemember 2008, according to my records.
During the Conversation, the gentleman I spoke to said, settlement was not an option now... Trying it on I mentioned to him, that I may have to defend the case as I believe it to be statute barred as the default date was June 2007. he quickly told me that I had last made a payment in November 2008.. and that it wasn't.. which I knew already.
I ended up paying for this debt 2 weeks ago.
A day after paying for this debt, I received a call from bryan carters to comfirm that the payment was processed, and that they wanted to discuss another account on my file..
this account was for a credit card which defaulted July 2008.. but I know for a fact that the last payment was made November 2007. I know this because I had done a SAR Request to Lloyds, at the beginning of the year! this is probably how they ended up getting my new address..
When I spoke to the lady.. I explained that this debt was statute barred... This next bit will not surprise most of you...... I explained to her that the last payment was in November 2007 and the debt is statute barred...... she quickly reminded me that its the default date which the 6 years goes by and not from the last payment.
HAHA the cheek of it.
Anyhows.#
I explained to her no more telephone calls, all correspondence in writing now please. Knowing that I would probably get a court claim form within a week or to, I decided to get in there first and fire off a statute barred letter to them, explaining the debt was statute barred, and they have 21 days to come back to me.
I sent this letter last Thursday 27/3
and received a reply today the 31/3
Stating that they have reffered this matter to their client lowells and are awaiting instruction from them also in the meantime my account is being placed on hold.
My Question is, has anyone been in this situation with Bryan Carters.... Im curious what to expect next..
Will they chance it and try to push through a Court claim.... ( I Don't fancy all the hasstle and time wasted in defending myself)
Or do you think they will back off ? Lowells know to well that the debt is staute barred.
I have all the evidence needed already due to this sar request from Lloyds
Thoughts would be appreciated
thanks
im after some opinions... seeing as this forum is so full of stories about Bryan carter solicitors!!.
About 4 weeks ago.
I received out of the blue... A Court Claim form for an outstanding debt of £450.. This debt was defaulted June 2007.. I spoke to Bryan Carters... to discuss settlement..as far as I was aware I had made a payment in Novemember 2008, according to my records.
During the Conversation, the gentleman I spoke to said, settlement was not an option now... Trying it on I mentioned to him, that I may have to defend the case as I believe it to be statute barred as the default date was June 2007. he quickly told me that I had last made a payment in November 2008.. and that it wasn't.. which I knew already.
I ended up paying for this debt 2 weeks ago.
A day after paying for this debt, I received a call from bryan carters to comfirm that the payment was processed, and that they wanted to discuss another account on my file..
this account was for a credit card which defaulted July 2008.. but I know for a fact that the last payment was made November 2007. I know this because I had done a SAR Request to Lloyds, at the beginning of the year! this is probably how they ended up getting my new address..
When I spoke to the lady.. I explained that this debt was statute barred... This next bit will not surprise most of you...... I explained to her that the last payment was in November 2007 and the debt is statute barred...... she quickly reminded me that its the default date which the 6 years goes by and not from the last payment.
HAHA the cheek of it.
Anyhows.#
I explained to her no more telephone calls, all correspondence in writing now please. Knowing that I would probably get a court claim form within a week or to, I decided to get in there first and fire off a statute barred letter to them, explaining the debt was statute barred, and they have 21 days to come back to me.
I sent this letter last Thursday 27/3
and received a reply today the 31/3
Stating that they have reffered this matter to their client lowells and are awaiting instruction from them also in the meantime my account is being placed on hold.
My Question is, has anyone been in this situation with Bryan Carters.... Im curious what to expect next..
Will they chance it and try to push through a Court claim.... ( I Don't fancy all the hasstle and time wasted in defending myself)
Or do you think they will back off ? Lowells know to well that the debt is staute barred.
I have all the evidence needed already due to this sar request from Lloyds
Thoughts would be appreciated
thanks
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