The Ultimate Guide to Spratt Endicott Debt Recovery

So you have been contacted by Spratt Endicott Solicitors regarding your debt, and you are wondering who they are, what they want and what your next steps are.

We understand that being in debt can feel like your world is collapsing around you, and you don’t know where to turn.

But reading our ultimate guide to Spratt Endicott Debt Recovery will give you all the answers you need.

Speaking to knowledgeable professionals with years of expertise and experience can also help you feel at ease. By talking to our team today, you may be able to get 85% of your debt written off.

All you have to do is click the link and fill out your contact details.

Did You Know You Can Write Off Up To 85% Of Your Debts?

Do I Qualify?

Who are Spratt Endicott Solicitors

Spratt Endicott Solicitors are a law firm in the UK, and they also offer international legal services to individuals such as tax planning, family disputes and commercial legal services. Among these services, they also offer debt collection services from four of their locations in the UK:

  • Spratt Endicott Banbury
  • Spratt Endicott Bicester
  • Spratt Endicott Brackley
  • Spratt Endicott Buckingham

Spratt Endicott Solicitors help businesses to collect money from either consumers or other businesses.

The creditor (the business that is owed money) will use Spratt Endicott Solicitors to follow the legal procedures to ensure they get the money they are owed.

However, even though Spratt Endicott Socilitors are a law firm, this does not mean they have more powers than a debt collection agency. In this instance, Spratt Endicott Solicitors are acting as a debt collection agency to try and retrieve the debt for the company.

Spratt Endicott work for small niche businesses offering timeshares as well as household utility companies.

How do I contact Spratt Endicott Solicitors?

  • Postal Address: Spratt Endicott Solicitors, Linden House, 55 The Green, South Bar Street, Banbury, Oxfordshire, OX16 9AB
  • Telephone Number: 0330 0580 250
  • Email Address: [email protected]

I Have Been Given An Letter Before Action. What Is It?

A Letter Before Action is when a debt recovery agency, in this case, Spratt Endicott, are giving you notice of the debt. It can read to be quite intimidating and worrying, but at the end of the day, the letter is informing you who you owe the debt to and what the debt is, and when it needs to be paid. A Letter Before Action may also state the next stage if you ignore it, normally court proceedings.

You normally get this letter if you are the individual who owes the debt. However, there have been occasions where it has been given to the wrong person.

This can be because:

  • Mistaken identity (A lot of the time, a computer will gather the details of the debtors if someone who has the same or similar name owes money. The computer may get it wrong and send the letter to you)
  • The debtor used to live at your current address.
  • The debt collectors cannot locate the actual debtor, so they are just sending letters to people with the same name in hopes they will find them.
  • In the Letter Before Action

What Are My Next Steps?

You have a few choices. If the debt is definitely yours and you do owe money, the easiest thing to do is contact the company; if you cannot afford to give them a lump sum to owe the debt off, ask if you can do a monthly repayment plan.

If you are sure you do not owe the debt, send a Prove the Debt Letter to the debt agency asking them to prove the debt as the debt agency will have been forwarded the debt information. Gather all correspondence you have had with the creditor (Emails and Letters). Try to keep all correspondence letters or email-based as there will be a paper trail; if they ring, you take notes. All information can cover any disparities or if the debt collection agency or company try and accuse you of anything later on. The information you gather can also be taken to court as evidence if need be.

Getting in touch with one of our legal and financial experts will also help you as they will be able to give you advice on the next critical steps:

Did You Know You Can Write Off Up To 85% Of Your Debts?

Do I Qualify?

List of Debt Collection Agencies UK

Here is a list of all the debt collectors in the UK.