Did a Symes Bains Broomer Debt Recovery letter just land on your doormat?
These debt letters can cause anxiety, stress and lots of worry. But with the right knowledge and understanding, you can ease those worries and deal with Symes Bains Broomer Debt Recovery in the best way possible.
Consult our guide on dealing with Symes Bains Broomer Solicitors and their debt letters, right here.
Is Symes Bains Broomer Solicitors a Real Company?
Yes, Symes Bains Broomer Solicitors are a UK-based legal team and are 100% legitimate. They have some outstanding reviews by people who have used their services.
If you have received any communications from Symes Bains Broomer Solicitors, then know that this is real and you should not ignore their letters or calls.
Where Is Symes Bains Broomer Based?
Their team are based in two offices:
- Symes Bains Broomer Goole
- Symes Bains Broomer Scunthorpe
You may have received a debt letter from one of these offices, and if that is the case, it is always best to contact the same office that sent you the debt letter.
But don’t get in touch without reading our guidance first.
What Services Does Symes Bains Broomer Offer?
Symes Bains Broomer offers a wide range of legal services for individuals and businesses. Their legal services include will writing, conveyancing, divorce proceedings and company purchases.
Symes Bains Broomer Debt Recovery Services
The debt recovery services are exclusive to commercial businesses, which means they could offer to collect debt to businesses selling products, services and even household utilities. Most utility providers use debt collection agencies rather than legal teams, so your debt letter from Symes Bains Broomer Debt Recovery is more likely to be in regard to something else.
However, there is no limit to what commercial businesses could us Symes Bains Broomer Solicitors for debt collection help.
Contact Symes Bains Broomer Debt Recovery
Telephone numbers, email addresses and their offices’ physical address can be found on their contact page form the left menu. There is also a tab to make a general enquiry and to make a payment (you may need to use this if you have to pay the debt).
But before contacting Symes Bains Broomer Debt Recovery, you should consider the guidance below which can make it easier to get proof of the debt or tell them why they have made a mistake.
What Can Symes Bains Broomer Do to Recover Debt?
To understand what Symes Bains Broomer Debt Recovery can do to recover your unpaid debts, you must first understand how debt collection usually works.
The Process looks something like this:
- The business asks Symes Bains Broomer Debt Recovery (or another group) to collect the debt
- Symes Bains Broomer Debt Recovery then send you a letter requesting payment
- If payment is not received, Symes Bains Broomer Debt Recovery can take you to court to get a CCJ for the debt
- With a CCJ, an enforcement agent can come to your property and request payment or a payment plan that satisfies the client’s demands. If this is not reached, they can remove goods to be sold at auction to pay the debt.
Symes Bains Broomer Debt Recovery has no legal powers themselves to come to your property and remove goods. This could only happen after going to court and by an authorised enforcement agent. You never have to let Symes Bains Broomer Debt Recovery into your home. They cannot claim to have this right either.
But the even better news is that there are many things you can do before getting to the third action from our list! Even if you can’t afford the debt stipulated in your Symes Bains Broomer debt letter, you can still avoid legal proceedings.
Could My Symes Bains Broomer Solicitors Take My Home?
If your debt has been issued with a CCJ and an enforcement agent comes to your home, there is a very small chance that it could end up meaning your home is repossessed for sale to pay the debt off. But this doesn’t happen often. Usually, even if the debt has gotten to this stage, the debt can be paid off with an agreement or with the sale of other goods.
But again, Symes Bains Broomer Debt Recovery is not able to take your home because they are not enforcement agents. They work as legal advisors only, without legal powers to take action themselves.
Can I Ignore Symes Bains Broomer Debt Recovery?
You should never ignore a debt letter from any company, whether they are solicitors like Symes Bains Broomer Debt Recovery, or just a regular debt collection agency.
If you ignore their debt letter, the process of collecting debt can escalate to court proceedings and enforcement agents could come calling.
Some people choose to ignore Symes Bains Broomer Debt Recovery because they fear what will happen or cannot afford the amount they have requested on their letter. But you don’t have to be able to afford the whole amount to avoid legal action.
Should I Pay My Debt to Symes Bains Broomer Debt Recovery?
If you are found to owe the money that Symes Bains Broomer Debt Recovery are asking for, and other options have been exhausted (see below) then you should pay your debt.
But do not pay the debt instantly upon receiving their debt letter or call. The reason for this is because you can buy yourself time by using the proper process, or even prove you don’t have to pay.
There are even ways to manage your debts if you are currently unemployed.
How to Stop Symes Bains Broomer Debt Recovery Contacting Me
You are not able to stop Symes Bains Broomer Debt Recovery from contacting you completely, as they have a responsibility to notify you about any debt and if their client wants to go to court.
But there are things you can do to reduce the number of calls you receive from Symes Bains Broomer Debt Recovery if you feel like they are
What Should I do About the Symes Bains Broomer Debt Letter?
Taking action can mean a number of things and there are different responses to your Symes Bains Broomer Debt Recovery letter depending on your situation. These are:
- Sending a prove the debt letter (the option if you think there is a mistake, don’t believe you owe the debt or Symes Bains Broomer Debt Recovery has not provided proof and you want to buy yourself some time). Got Step One to find out how to do this.
- Sending a statute-barred debt to say you don’t have to pay. You can send this if the debt is old and meets other criteria. Go to Step One (B) to find out how to do this.
- Paying the debt using one of many solutions. This is the only remaining option if you have proof that you owe the debt and the debt is not statute barred. Go to Step Two to learn more about your options.
STEP ONE: Replying to Symes Bains Broomer Debt Recovery
Sometimes debt collection services do not provide proof of the debt and hope the letter itself will be enough to make you pay. This is a successful tactic when the person who receives the letter is already aware of the debt they owe.
But that doesn’t mean proof is not needed. Symes Bains Broomer Debt Recovery need to supply you with a signed agreement or a similar document to show you owe the debt. You can reply to their letter by requesting this proof.
How to Write a Prove the Debt Letter
When you reply to Symes Bains Broomer Debt Recovery asking for proof, you must write a letter that includes some key points. Don’t forget to include:
- A debt reference number if you have one
- Request for proof
- You should also state that without proof any future communication is harassment
- You will report harassment to the FCA
It is highly recommended to keep a copy of this letter and send it with some type of recorded delivery.
Or, You Can Use a Prove the Debt Letter Template
If you are not confident at writing this letter to Symes Bains Broomer Solicitors, there is an alternative option.
Many debt groups and debt forums have ready-made templates you can edit to match your situation. These are effective and often look professional because they refer to specific parts of legal documents.
STEP ONE (B): Statute-Barred Debt
You should not send the prove the debt letter if Symes Bains Broomer Debt Recovery already gave you proof or if your debt is statute barred.
A statute barred debt means that you cannot be forced to pay because Symes Bains Broomer Debt Recovery cannot go to the courts for a CCJ. Here is an explanation…
What Is a Statute Barred Debt?
Statute barred debts in England are debts that are:
- Six years old at least
- Not been paid towards in the last six years
- Not acknowledged to any company in the last six years
- Have never received a CCJ
If your Symes Bains Broomer debt is all of these things, then the debt is now statute barred and cannot be legally enforced. It still exists but you can never be made to pay it off because the courts are too busy with newer cases.
Inform Symes Bains Broomer Debt Recovery
If Symes Bains Broomer Debt Recovery have asked for payment on a statute barred debt, you need to inform them that the debt is too old to go to court. The wording of these letters can be tricky, and it is therefore best to use an online template from a debt charity.
Just like a prove the debt letter, you should keep a copy and use recorded delivery.
STEP TWO: Ways to Pay Symes Bains Broomer Debt Recovery
If you have received proof that you owe the dent and it is not statute barred, the only remaining option is to pay the debt. But even in this situation, you have options.
Consider a Payment Plan with Symes Bains Broomer
Most people who cannot afford the full amount will seek a payment plan with Symes Bains Broomer Debt Recovery. It is likely that all parties will agree on this because going to court is probably not a wish for Symes Bains Broomer Debt Recovery and their client either.
But you still need to offer a payment plan that is attractive to the client of Symes Bains Broomer Debt Recovery, so they accept.
Don’t pick an arbitrary figure you think you can afford. Only agree to a payment plan after analysing your finances and working out how much disposable income you have.
Multiple Debts? An IVA Could Help
If the Symes Bains Broomer debt is not your only debt, a payment plan may not be the best option. You could benefit from only paying off some of your debts by using an IVA. You will have to make bigger monthly payments – usually over £100 – but after five years all your debts are wiped no matter how much is left to pay.
This complete guide to an IVA will help you work out if this is a good option for you.
Alternative Options and Support
Even these two common debt solutions are not the only options you have. Sometimes debt solutions can be confusing, but you can secure help and guidance by speaking to debt charities and using online resources. The former is especially good if you want confidential and free debt advice.
One of the best is Step Change UK, and their advisors may even speak directly with Symes Bains Broomer Solicitors on your behalf. Whatever way you choose to get out of debt, always remember the golden rule. Never ignore debt letters from anyone, including a debt letter from solicitors like Symes Bains Broomer Debt Recovery.