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Bryan Carter and Horwich Farrelly.


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Hi,

 

before I post, can I just say how warming it is - that so many people are decent enough to share their experiences.

 

I was once in a debt I once thought was massive (around 7k) - but now all is good, however I have paid some people I maybe shouldn't have (if these forums are anything to go by!) and all has been ok for me for a while now.

 

My Girlfriend, however - has only just admitted (after being seriously scared by some of these DCA's) that she's in trouble - and in looking at her debts, the value's aren't massive - but the letters being sent, are pretty harrowing?!

 

I've looked across the forums, for a while actually too - and found out a great deal about how I should handle the DCA's, and in most cases I've managed to sort or at least appease the debtors.

 

There are two left, Bryan Carter and Horwich Farrelly - Bryan Carters have just issued a warrant number, claiming that bailiffs will be around to collect our possessions - (good luck to them, neither me nor the Mrs are famous for our reasonable tempers when put in intimidating positions by people demanding your sofa/Tv etc) However, when I sent the CCA letter to them in reference of the debt - they sent me back a statement?! - nothing like a credit agreement, nothing even close! and this Warrant letter is the first thing I've received from them since... can anyone advise me whats my best course of action from here?!

 

Also, the Horwich Farrelly is a Gas bill - from Shared accomodation when she was at Uni - they're actually requesting that my Girlfriend pay the outstanding, as well as part of a bill for the period after which she moved out... only issue is, they're sending it to a different address (her parents), and when she queried the amount she owed (using the CCA letter, as I couldn't find one more appropriate) - they replied telling me that this debt doesn't fall under the laws within which a CCA letter applies? - what do I do next? I suppose I just have to pay it don't I?

 

As for Bryan Carters, I called them on her behalf (before looking on here).... to attempt to sort payments and rather than just being told politely that she needs to call, I got a fair bit of abuse - I even had someone give me the old 'How dare you attempt to call on her behalf, don't you know that you're breaking the law?' - I couldn't help but giggle, which seemed to just inflame the situation.

 

Now, I honestly feel stuck...

 

I'm half tempted to just set up payments - to get these people of my Girlfriends back, no matter how much I tell her its ok, and that they do this to everyone - she still seems to spend most of her life worrying about every penny she gets.

 

Can anyone help me? Please?!

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With regard to Bryan Carter .... have you read this?

 

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/88566-bryan-carter-ceased-company.html?highlight=Bryan+Carter+....+ceased+trading+as+a+company

 

Makes for interesting reading regarding this company.

 

Secondly, do they have a CCJ against your girlfriend because if not they're talking hot air and empty threats regarding the use of bailiffs. The only time bailiffs can attend is if there is a court order in place and the order has been breached.

 

I'd also look in here

 

http://www.consumeractiongroup.co.uk/forum/general-debt/55579-oft-guidelines-debt-collection.html

 

you may find that they are breaching several of the guidelines.

 

Can't help with the gas bill part I'm afraid but I'm sure someone with knowledge of steps you can take will be along shortly.

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They cant collect for time after your GF moved out of the property. This has to be down to the other tenants.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Well, I've read through that Forum (Bryan Carter-Ceased as a Company), phew.... a bit of reading done there, not all that laborious due to the spirit within which the guys posting, have posted!

 

So, now.... I'm still a teeny bit confused as to what to do next.......

 

Do I resend the CCA? an SAR or do I goto the SOS or Trading Standards? - what?! (sorry, I just can't quite relate whats happening to my Girlfriend, to any of the issues these guys are resolving).

 

Basically, the letter states it has been passed to a bailiff, to come and pinch all her (my) stuff!!

 

It looks like the guys on the forums, may already have nipped them in the bid prior to this....

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Help!!

 

Another letter came this morning, Warrant order - with a bailiff's contact details?

 

They haven't sent the requested CCA - but she already has a CCJ against her (if Bryan Carters letters are anything to go by).

 

Any Ideas? - I can't see anything on the forums that relates directly to the problem my Girlfriend has, can anyone help!

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This "bailiff" letter should have some court contact information on it, certainly the warrant will have.

Time to get ALL the information from the court and try and get this set aside.

 

Removal of CCJ's - Valid reasons to have your judgements set aside

 

This could very well be another scare tactic, but better to be sure.

Can you scan the warrant and post it here, after removing personal info.

Best to host on photobucket or similar.

Be VERY careful whose advice you listen too

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  • 4 weeks later...

Well, that link is pretty interesting! - Cheers Ben!

 

My GF has been living with me for starters, and the letters going to her parents!

 

Also, her mother opened the letter - and paid the £70 odd they'd requested via a judgement just before Christmas - does that affect our position when fighting these guys about this debt?

 

Plus, I really don't understand how they've managed to push it as far as they have when they didn't produce a valid CCA!?

 

I'm so bemused, I did this once when I was about 19 - but didn't have any of you guys around to help, now its easier than it was - but jeez, they still make it tough don't they!

 

Should I contact the SoS (with the letter on headed paper) and Trading Standards still??

 

Cheers Guys.

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Yes for trading standards.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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