Have you received a letter from Kerseys Solicitors? If so, you might be wondering who they are and why they’re contacting you. Getting a letter like this out of the blue can certainly be unpleasant, but it’s a situation you need to deal with. Luckily, we’ve got everything you need to know about how to deal with Kerseys Solicitors debt collection.

The Basics

Let’s start by looking at some of the basics of who Kerseys Solicitors are and why they might be contacting you. Understanding these points is an important first step in dealing with the situation in an efficient way.

kerseys solicitors

Kerseys Solicitors

So, who exactly are Kerseys Solicitors? It’s unlikely that you’ll ever have had dealings with them in the past, so receiving a call or letter can come as a shock. The company is a law firm with offices in Ipswich and Colchester, first established in 1881. They offer legal services to businesses and individuals.

Kerseys Solicitors offers a range of different services, and a quick visit to their website shows what kinds of things they provide. The company is a limited liability partnership registered in England and Wales with registered number OC407171.

The company’s registered address is at 32 Lloyds Avenue Ipswich IP13HD. However, along with kerseys Solicitors Ipswich address, they also have an office in Colchester, registered at 844 The Crescent Colchester CO4 9YQ. There are quite a few searches for Kerseys Solicitors Suffolk, but these most likely are searching for the Colchester address.

Why they’re contacting you

You might be wondering why Kerseys Solicitors are contacting you. After all, you’ve never heard of or dealt with them before. Well, the most likely reason is that their debt recovery team has written to you.

Kerseys Solicitors debt recovery service helps companies reclaim money. Usually, this is because the original company is finding it hard to get the money they’re owed. So, you could have previously received letters from a company that you have debt with but have failed to act on.

Usually, companies only use debt recovery services as a last resort. If you’ve had a long-standing debt with a company that you’ve not repaid or contacted them about, they might turn to a company like Kerseys Solicitors to help them get it back. 

Debt collection vs debt recovery

It’s important to know the difference between a debt collection agency and debt recovery solicitors. For the company, solicitors are often the more expensive option, which is why debt collection agencies are more commonly used. However, debt collection agents can only ask for money to be repaid. As such, people often just ignore them.

A debt recovery solicitors firm like Kerseys Solicitors can begin court proceedings against you. This is often a more effective way of recovering funds for the company that employs them. They can usually assess a case and know the right course of action to take.

Given the legal clout that debt recovery solicitors have, it’s important that you take any letter from them seriously. These aren’t the usual scare tactics used by debt collection agencies.


If you’ve received a letter from Kerseys Solicitors, you might be wondering whether or not they’re a legitimate firm. Well, you can rest assured that they are.

Kerseys Solicitors LLP is registered in England and Wales with the registration number OC407171. Their VAT number is 102785680. The firm is also authorised and regulated by the Solicitors Regulation Authority (SRA no. 638105).

The last part is particularly important. It means that they must adhere to a strict set of laws and ethics as outlined by a regulatory body.

So, if you have been contacted by Kerseys Solicitors, you can know that it’s a genuine letter from a real company. 

kerseys debt collection

What to do when Kerseys Solicitors contact you

Now that we know a bit about who Kerseys are, it’s time to look at what to do if you receive a call or letter from them. Although it can be a daunting prospect dealing with a law firm, there are certain steps you can take to make the process easier.

Don’t ignore them

Your first instinct might be to throw a letter from Kerseys Solicitors away and dodge their calls. Although this might seem to make the problem go away for a while, it’s not going to solve it. Rest assured that debt recovery solicitors are just as tenacious as debt collection agencies.

If you try and ignore Kerseys, they will more than likely up their efforts to reach you. These types of services make their money from reclaiming debt for other companies. The more they recover and the quicker they do it, the more they make for themselves.

Ignoring these types of companies will often mean that they escalate things. So what can start as one letter could evolve into multiple, and there is always the threat of further legal action against you. It’s therefore essential that you deal with the situation in a proactive manner.

Gather information

The first thing you should do when you receive a letter from Kerseys Solicitors is to gather information relating to your case. It’s likely that they’ll outline the details of the money you owe and who they’re collecting it for. All kinds of companies use debt recovery services, so make sure it’s one that you recognise.

Once you know the details of why they’re contacting you, it’s time to find anything related to the debt. Whether you think you owe the money or not, it’s important you uncover things like contracts, other correspondence, and bank statements from the time.

Gathering this information not only gives you a clearer idea of the situation, but it also gives you more confidence when talking about it. So, if you’re hoping to contest the debt or hope to delay payment, you’ll know where you stand and can make your case.

Contact them

You have two options when it comes to responding to Kerseys Solicitors Debt Collection service. The first is to reply to them directly. You can phone or write to them to discuss the matters of the debt. In doing so, you can also outline your contact preferences. For example, if you only wish to be contacted in writing, they have to respect that wish.

Alternatively, you can get in touch with the original creditor. This is the company that you owe money to. By dealing with them directly, you can sometimes stop Kerseys Solicitors from contacting you further. Of course, this depends on the situation as well as whether or not you can repay the money.

Assess your finances

Often, companies using Kerseys or similar agencies rely on people paying out of fear from further action. You might feel the temptation to instantly pay the outstanding amount, even if you can’t really afford it. However, you should take the time to assess your finances before you make any rash decisions.

You have various options to explore when it comes to repayments. Additionally, it’s important to know your legal rights when it comes to dealing with solicitors and debt collection. Take a look at where you’re at financially and whether your debt situation is getting out of control.

Legal rights

Whenever you’re dealing with companies related to debt collection, it’s essential to know your legal rights, as well as the powers they have. By doing so, you can make sure you resolve the situation in the most effective way possible.

Your rights

Your rights when dealing with Kerseys are protected by both the rules from the Financial Conduct Authority, as well as by the Consumer Credit Act. So, if you have debts such as credit cards, overdrafts, loans or hire purchases, you’re protected by a variety of laws.

Here are some of the rights you need to know about:

  • Harassment. Kerseys cannot harass you. This means they can’t repeatedly contact you or phone you early or late in the day. They also can’t pursue you on social network sites or try and embarrass you in public.
  • Threats. They can’t threaten you with actions they can’t take. For example, they can’t come to your house to take your possessions without first taking appropriate legal action. They also can’t pretend to be a bailiff or someone from court. Similarly, they can’t pretend that court action has been taken against you when it hasn’t.
  • Pressure. Kerseys or any other debt recovery service can’t put pressure on you to pay off all the money at once. They also can’t pressurize you to try and sell your home or take out more credit to pay them.

Their rights

Although there is a long list of things they can’t do, there are some actions they can take against you. This is where things can become tricky. If the original creditor wants to take legal action against you, solicitors like Kerseys are the ideal service to do it through. They have a detailed knowledge of the law and know how to get people to pay.

If you don’t pay, some of the actions the rights they have include:

  • Add interest and fees. They can continue to add interest and charges to the original debt, but only in line with the contract you signed with the original creditor.
  • Applying for a County Court Judgement (CCJ). Essentially, this is a court order demanding that you pay the money you owe. As well as being financially inconvenient, it can also negatively impact your credit file for a long while.
  • Apply to send the bailiffs round. Although Kerseys themselves can’t reclaim your possessions to cover the debt, they can apply to the courts for bailiffs to do so. This can be incredibly stressful.
  • Petition for bankruptcy. This means that your assets can be sold off to cover the costs of your debt. Again, it stays on your credit file for many years.

How to complain

If you feel like Kerseys Solicitors Debt Recovery has breached any of the FCA guidelines, you have the right to make a complaint against them. They have an internal complaints procedure which means they have to review and produce a satisfactory reply to your issue. If you find their response is still unsatisfactory, you can escalate the case to the Financial Ombudsman Service.

What to do about Kerseys Solicitors debt

So, if you do have a debt that Kerseys Solicitors are chasing, what should you do? There are several approaches you can take here:

Confirm the debt

The first thing to do is confirm that the debt is yours and that you have to repay it. The first step is to write to either Kerseys or the original creditor to request written confirmation of the debt. They legally have to provide this, and if they can’t, you don’t have to repay it.

The second issue to look at is how old the debt is and how long it’s been since you last heard from the creditor or made a repayment. If it’s been longer than six years without hearing or paying, the debt could be statutebarred, meaning you might not have to repay it.

Repayment options

If they can confirm that the debt is indeed yours, you’ll have to repay it one way or another. If you have the funds available, you might want to pay off the outstanding amount and draw a line under the whole thing. However, you could also ask the original creditor whether they’ll accept a repayment plan. This can often be a monthly payment until the debt is cleared. They don’t necessarily have to accept this, however.

Debt options

If you’re struggling to repay the money, there are a few options you can choose to help with the debt:

  • Debt consolidation. This is a loan that replaces all of your existing debt. It often has a more affordable monthly repayment and can have a lower interest rate.
  • IVA. An individual voluntary arrangement combines all of your debts into one. You’ll then have to make a lower monthly repayment for 60 months. Anything leftover at the end of that period is written off.
  • DAS. A debt arrangement scheme is for people who have multiple debts. It means the total amount you can afford to pay each month is split evenly between those you owe money to.

About the author

Scott Nelson

Scott Nelson is a financial services expert, with over 10 years’ experience in the industry, including 6 years in FCA regulated companies. Read more
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