Pete Gardner

Pete Gardner Cropped
Associate - Defended Commercial Recoveries Manager
  • Banbury
01295 204038
  • Defended Debt Recovery
  • Debt Recovery Services
Pete Gardner is an Associate in Defended debt recoveries at Spratt Endicott. Pete has particular expertise in Debt litigation, Letters before claim, Insolvency, Particulars of claim, Defences,replies to defences, Civil procedure rules, Court advocacy, mediation, Settlement and Civil litigation. The Legal 500 - The Clients Guide to Law Firms
The Legal 500 - The Clients Guide to Law Firms


Pete graduated from University pf Bedfordshire with a 1st Class BA (Hons) in Media Performance in 2001, after a brief stint in radio, Pete started his career as a Debt Collector in 2003.

Pete joined Spratt Endicott in 2004 and successfully qualified as a Fellow of the Charted Institute of Legal Executives in 2010. In May 2014, Pete was promoted to the level of Associate.

Pete client’s often comment on his responsiveness and ability to quickly grasp the issue. Pete provides his clients with quality advice and approaches cases in a practical manner to ensure the best outcome for his clients.

Work Highlights:

  • Pete specialises in Debt Recovery matters that are subject to Court Action. This can involve matters on the Small Claims Track and the Fast Track as a Claimant or Defendant.
  • Pete excels in the drafting of legal documents including letter before claim, particulars of claim, defence, reply to defence, defence to counterclaim, witness statement, case summary, schedule of issues and chronologies.
  • He is also adept at various Applications including those to set aside Judgment, Summary Judgment and matters involving insolvency and bankruptcy.
  • Pete is experienced at attending the local Court for various types of hearing.
  • Pete’s key clients include manufacturers of animal feed, international facilities companies, telecommunications companies, leading recruitment agencies, estate agents, factoring and invoice discounting firms, insolvency practitioners, suppliers of trade goods and security companies.
  • Pete has obtained Judgments on an extremely large number of cases, including those where the Client had all but given up hope of recovery.

Professional memberships, publications and interests:

  • Pete is a director of the Banbury Chamber of Commerce.
  • Pete is a keen legal blog writer with articles published in the local press and legal journals.
  • Fellow of CILEX.
  • Pete enjoys spending time with young family, watching films with a critical eye and playing tabletop games.
  • Watching and playing various sports.
  • Pete also has the general misfortune of following Oxford United around the country on a regular basis.
  • Pete is a Next Generation Lawyer and Recommended Lawyer in The Legal 500 UK 2018-19



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