If you’re being contacted by Freeth Cartwright Debt Recovery (often just called Freeths), it’s because you owe money on an unpaid debt. This might be from an unpaid loan, accountant fees, invoice for a job, or other business.
It can be intimidating to receive a letter from a debt recovery agency and it’s difficult to know the right steps to take.
In this guide, you’ll learn how to deal with Freeth Cartwright Debt Recovery and how to ensure you choose the right debt management solution for your situation.
Who is Freeth Cartwright Debt Recovery?
Freeth Cartwright is a top-50 law firm. With a total of 13 offices, you’ll find Freeth Cartwright in Manchester, Leicester, Nottingham, London, Derby, Stoke, and other major cities with a total of 960 members of staff. They had a turnover of over £100 million last year alone and specialise in real estate, dispute management and debt collection.
Some of their most recognised clients include Aldi, Tarmac, Experian, Lloyds Bank, as well as several universities and charitable organisations.
Are Freeth Cartwright Solicitors a Scam?
If you’ve received a letter from Freeth Cartwright Debt Recovery, don’t ignore it. It’s not a scam!
Why Are Freeth Cartwright Solicitors Calling Me?
Freeth Cartwright LLP is employed by insurance companies, landlords, tradespeople, accountants, and banks to chase up unpaid debts.
The debt you owe will be with a third party, which is why you probably don’t recognise the name.
Should I Ignore Freeth Cartwright Debt Recovery?
Definitely not. Ignoring debt doesn’t make it go away and it can actually make matters worse.
If you ignore letters from Freeth Cartwright Debt Recovery, they may call you or even send representatives to you home to make contact.
However, that doesn’t mean you should pay the debt without question. There are several steps you should take before engaging with Freeth Cartwright Solicitors, which we’ll cover below.
How Do I Stop Freeth Cartwright From Contacting Me?
Freeth Cartwright LLP is legally required to contact you and attempt to recover the debt owed. That means they do have the right to call you or send letters.
However, if you’d prefer to limit your contact to one form (maybe letters but no phone calls), you can get in touch and let them know your contact preferences.
How to Make a Complaint Against Freeth Cartwright
You can make a complaint with Freeth Cartwright directly:
Post: Charles Powell, Head of Risk and Compliance, at Cumberland Court, 80 Mount Street, Nottingham NG1 6HH
Phone: 03301 001 014
Email: [email protected]
You also have the option to inform the FCA of wrongdoing. However, you must make an attempt to resolve with Freeth Cartwright first.
You can also contact the Solicitors Regulation Authority if you are concerned with the behaviour of the solicitor managing your case. However, they only deal with certain cases, so check their complaints procedure to see if this is the right course of action.
What Legal Action Can Freeth Cartwright Take?
If you don’t respond to Freeth Cartwright Debt Recovery, there are several steps they will take to try and recover the debt owed:
1. Send letters and call your home
Your first point of contact will be a letter or phone call letting you know about the debt owed and giving you methods of paying it back. They will send multiple letters and continue to call you if these go unanswered.
Remember, they will want to keep costs low so will do all they can to get you to repay the debt without escalating the case further than this point.
2. Send field agents
However, if you ignore their calls and letters, they may send agents to your home to make contact.
These people are not bailiffs and have no right to enter your home. You can tell them to leave and they must do so.
3. File for a County Court Judgement
Freeth Cartwright Solicitors can escalate your case to court by applying for a County Court Judgement. If awarded, this legally obligates you to make payments, usually monthly.
4. Send bailiffs
If you still fail to pay the debt, bailiffs can be sent to your home to recover the money (if you have it) or property if you don’t.
5. Apply for an Attachment of Earnings Order
Freeth Cartwright may also apply for an Attachment of Earnings Order but only after a County Court Judgement has been issued. This will take the debt owed directly from your wages. Of course, this doesn’t apply to self-employed or unemployed individuals.
Can Freeth Cartwright LLP Repossess My House?
After the County Court Judgement is granted, Freeths can also apply for a Charging Order. This would put your house up as collateral for the debt. If the debt is unpaid, they have the ability to have your house repossessed to pay off the debt.
However, this is rare and a last resort if the debt is continuously ignored throughout the process. Also, this is usually only applied for if the debt owed is substantial enough to equate to the value of your home and it is clear you have no other means of paying the debt.
Steps to Take After Receiving a Letter from Freeth Cartwright
If you’re wondering what to do after receiving a letter from Freeth Cartwright LLP, here are some steps to take:
1. Check whether the debt is yours
First, have they got all the information right? Is this addressed to you and are all your details correct? If you don’t recognise the debt or you don’t believe you owe the money, check your credit report on a reputable website such as Credit Karma.
If you do owe the debt, it will be listed on your credit report – and harming your credit score while being there.
2. Check if the debt is Statute Barred
Is the debt more than six years old? If so, it becomes statute barred in England. This means that debt collection firms can no longer take you to court to recover the debt.
Make sure you check if the debt is statute barred because if you acknowledge the debt, the clock starts ticking once again. If it is, you can ignore their letters.
3. Ask them to prove the debt
If the debt is not statute barred, write to Freeths and ask them to prove the debt. They will need an original copy of a signed credit agreement or equivalent to do this. If they cannot produce physical documents proving your debt, they can’t legally recover it from you.
What to Do if You Can’t Afford to Pay Your Debt to Freeth Cartwright
If you’ve done all your checks you should now know that:
- The debt is in your name and listed on your credit report
- It is not statute barred (less than six years old)
- Freeths have proved it with original documents
If you are in a position to pay your debt, you should. As this is the quickest way to remove it from your credit report and avoid further action.
However, if you can’t afford to pay Freeths, here are some of your options:
1. Individual Voluntary Arrangement (IVA)
An IVA is a good option for anyone with debts over £5000. This scheme will consolidate your debt into one, affordable monthly repayment that you’ll have for around 60 months.
After 60 months, the debt is written off and you no longer owe the original lender. This scheme can help you ‘write off’ up to 95% of your debt.
2. Debt Management Plan (DMP)
This freezes any interest you’re paying on your debt and gives an affordable monthly payment. This is a good option for anyone facing situational financial hardship such as recently losing a job. However, it’s less useful for those with substantial debt that they have been struggling with regardless of their employment.
3. A Debt Relief Order
This is an option for those with relatively low amounts of debt and a low salary. It freezes all debt payments for a year to allow you time to get your finances in order without getting into further debt.
What to Do Next
These are just three of the most common debt management solutions, but there are more depending on your circumstances. If you’d like to explore your options more, make sure to check out our full debt management guide which gives more detail on the different routes you can take.
Whenever you’re dealing with a debt collection agency, know that you do have options. Never let them pressure you into paying back debt that you can’t afford. Instead, take some time to explore your options and find a solution that best suits your circumstances.