Are you being contacted by Ray Nixon Brown Solicitors? You’ve likely received a letter stating you owe money to a lender and now want to know if it’s a scam or not.

In this guide, you’ll learn all the important information about dealing with Ray Nixon Brown Debt Recovery and the different options available to help you get out of debt.

Ray Nixon Brown Debt Recovery

Who is Ray Nixon Brown Debt Recovery?

Ray Nixon Brown in Leighton Buzzard is part of the Kingly Solicitors family. It’s one of the longest established solicitors in the area and offers a full range of legal services, including debt recovery.

When you receive letters from them, you may see the name “Ray Nixon Brown” or “Kingly Solicitors” – these are the same company.

Is Ray Nixon Brown a Legitimate Firm?

Yes, Ray Nixon Brown is a legitimate solicitors firm, so their letters and calls should never be ignored!

They are affiliated with Citizens Advice Bureau and Family Lawyers and Consultancy Legal Services. Although, they are not registered members of the Credit Services Association.

Why is Ray Nixon Brown Contacting Me?

Ray Nixon Brown Solicitors in Leighton Buzzard work on behalf of clients to recover debt. Their clients range from local council authorities and tradespeople to credit services and phone companies.

The initial letter you receive from Ray Nixon Brown Debt Recovery will outline who they are, who they are working on behalf of, how much you owe, and how to pay.

As well as letters, you might also receive phone calls from this debt collection firm. This is normal – they are within their rights to call your home to talk to you about the outstanding debt.

What Happens if I Ignore Ray Nixon Brown?

Many people will tell you that if you ignore debt collection letters for long enough, they will give up and leave you alone. But this isn’t true. When you’re dealing with a legitimate company, they will continue to send letters until they reach you.

If you don’t reply, they may send agents to your home to make contact. After that, they may escalate your case to court to recover the money owed.

To stop the solicitors escalating your case, it’s best to reply to their letter immediately letting them know you will review the information and will reply within a reasonable timeframe.

However, never admit to owing the debt in writing at this stage – you may still be able to get the debt dropped.

Should I Pay Ray Nixon Brown What They are Asking?

Even if you recognise the debt, you should always do a few simple checks to make sure you are legally obligated to pay the debt being claimed.

Although it can be stressful being chased about outstanding debt, you wouldn’t want to pay debt only to find out the amount was wrong or it wasn’t even in your name in the first place.

Debt collectors will use pressure tactics to make you feel obligated to pay the debt quickly. Don’t let this stress you out – you are more than within your rights to take some time to look at all the options available to you.

Will Ray Nixon Brown Take Me to Court?

The solicitors do have the power to file court proceedings if you refuse to pay the debt. But this is only the case if they have solid evidence that you owe the debt and have made reasonable attempts to make arrangements with you directly first.

Here are the steps the firm will take to recover the debt from you:

1. Send an initial letter

You’ll receive a letter letting you know that they have been hired to recover unpaid debt. It will state who the lender is, how much you owe, and how you can get in touch to make a payment. This should also specify how much time you have to get in touch and make arrangements with the firm.

2. Send follow-up letters and call you

If they don’t hear from you, they will send follow-up letters. These usually have phrasing meant to scare you into paying the debt quickly, but don’t let this pressure you.

3. Send a default notice

If they can’t get in touch with you, they’ll send a default notice. This lets you know that your account is being closed and you’ll have (usually) two weeks to pay the balance before further action is taken.

4. Send a claims form

If the debt is not paid, they will send you a claims form. This lets you know that they are going to begin court proceedings unless the debt is paid. You’ll have a form to fill out and return that lets the solicitors know how you’d like to proceed.

5. Issue a County Court Judgement

If you don’t return the form or make arrangements, Ray Nixon Brown Debt Recovery will file for a County Court Judgement against you. This will legally compel you to pay the debt either in full or with monthly payments (this is decided by the lender). 

Can Ray Nixon Brown Repossess My House?

As a last resort, Ray Nixon Brown can apply for a Charging Order which secures your debt against your home. If you fail to make payments, your house can be repossessed to cover the debt.

However, this is rare and usually only filed in cases where the debt owed is substantial.

This will never be the first step and the solicitors will make all other attempts to recover the debt before considering this option. 

What Do I Do if Ray Nixon Brown Solicitors Are Harassing Me?

It’s true that many debt collection solicitors can overstep the mark when recovering debt. Although they are legally required to make reasonable attempts to contact you, many actions are seen as harassment or misconduct if they overstep the line.

If you believe Ray Nixon Brown Solicitors have harassed you or acted unlawfully, you can make an official complaint.

Post: Ray Nixon Brown Solicitors, 4&6 Church Square, Leighton Buzzard, Beds, LU7 7AE

Phone: 01525 372247

Email: [email protected]

4 Steps to Take After Receiving a Letter from Ray Nixon Brown

Here are the 4 steps you should take as soon as you receive a debt collection letter from Ray Nixon Brown Solicitors:

1. Respond ASAP

The quickest way to prevent any further action being taken is to write back to Ray Nixon Brown (or call them) and let them know you’ve received their letter.

Tell them you need them to send proof of the alleged debt and would like to see original copies of the signed documents with the lender.

DO NOT admit to owing the debt, but let them know that you are looking into the claims and will need some time to look at your options.

By getting in touch straight away and asking for proof of the debt, you give yourself some time to make sure the claims are legitimate and prevent the solicitors escalating the case further.

Keep a record of all communications with Ray Nixon Brown and try to communicate in writing where possible so you have physical proof of everything said. 

2. Check your credit report

If you don’t recognise the debt and you’re unsure if it’s legitimate, it’s best to check your credit report. This is quick and free to do online.

If the debt is legitimate, it will be listed on your credit report (and negatively affecting your credit score).

If it’s not listed, this is a red flag that the claim may not be legitimate and the solicitors have made a mistake.

3. Check if the debt is Statute Barred

If it does appear on your credit report, check the date. Lenders have six years from the last payment made to recover the debt owed. After six years, the debt becomes Statute Barred and they can no longer take you to court.

If your debt is statute barred, let Ray Nixon Brown know this and inform them you will not be making any payments.

They may still send you letters pressuring you to pay the debt – but they won’t be able to take you to court. So you can ignore the letters and they will eventually give up.

The Debt is Mine but I Can’t Afford it, Now What?

If you’ve completed the 4 steps above, you should only be responsible for paying the debt if:

  1. Ray Nixon Brown have sent proof of the debt owed
  2. The debt is appearing on your credit report
  3. The debt is not statute barred

But what happens if you cannot afford the debt? Circumstances change and in the current economy, it’s easy to fall on hard times.

If you can’t afford to pay the debt without getting into more debt as a result, here are your options:

1. Arrange a payment plan with Ray Nixon Brown Solicitors

Do you have enough money each month to comfortably pay back the debt in instalments? Most debt collectors will agree to a reasonable monthly payment plan, so this is a good option if feasible.

However, never agree to a monthly payment plan you can’t afford. And make sure the solicitors don’t add on additional fees or interest for putting you on a monthly payment plan.

2. Explore your debt management options

If you can’t agree to an affordable monthly payment plan with Ray Nixon Brown, politely let them know that you can’t afford the debt and you need some time to look at your debt management options.

They should give you at least two weeks of breathing space to find the best option for getting rid of your debt before taking further action.

Here are some of the other options available to you:


An Individual Voluntary Arrangement (IVA) is a good option if you have multiple debts and are struggling to make your minimum payments. It’s a debt management scheme that consolidates all of your debts into one affordable monthly payment.

If you think an IVA might be the right option for you, find out more about an IVA here.

A Debt Relief Order

This is another option if your debt is less than £20,000, you don’t own a home, and you have a low income.

Find out more about a Debt Relief Order here.

Get a refund on your loan

If your original lender lent you money with the knowledge you would struggle to pay it back, you may qualify for a refund on the loan.

This is rare and you will need proof that the original lender did something wrong or proof that you could never afford the loan you were given.

Find out if you qualify for a loan refund here.

Need More Information on How to Deal with Ray Nixon Brown Debt Recovery?

Ray Nixon Brown Debt Recovery

It’s extremely stressful to receive a debt collection letter, but armed with the advice in this guide, you should be able to deal with Ray Nixon Brown Solicitors without feeling pressured to make the wrong decision.

If you’re interested in exploring more options to help you get out of debt, make sure to head to our debt management guide here for more options.

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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