Bryan Carter and Co Debt Collection – What to do?

2020 update: Bryan Carter as a firm is now dissolved and has no activity at all in its own name. All current debt collection matters were taken over by Lowell Solicitors in Leeds.

Bryan Carter and Co Debt Collection 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.

Bryan Carter and Co Debt Collection

Who are Bryan Carter and Co Debt Collection?

Bryan Carter and Co used to be a debt collecting company registered in the UK. However, the company has since been deregistered and is no longer operating as a debt collecting company.

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What to do when Debt collectors are bothering you

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.

What to do?

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.

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The Legals

Please 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.

Bryan Carter and Co Contact Details

Name: 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 Havilland Drive)
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.

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 card.

More Data On Bryan Carter and Co.

Ostensibly an innocent surburban law firm in the stockbroker belt of the south east of England, Bryan Carter’s website 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.

There 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).

It 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.

If 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.


CONC 7.3 Treatment of customers in default or arrears (including repossessions): lenders, owners and debt collectors

CONC 7.9 Contact with customers

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