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Hello everyone! Thank you for taking the time to read my post.
Around two weeks ago I received a letter from Bryan Carter LLP on behalf of Lowell Financial Limited which requested payment be made for an outstanding O2 mobile phone debt (which I dont even know about)- if I didnt respond within 14 days a claim would be registered against me.
After taking time and reading around on the forums, I replied with a 'prove it' letter and received the following response:
Dear *******,
We write further to your recent correspondence, the content of which we note.
We confirm this account relates to a o2 (UK) Ltd (the 'original creditor') account, account number **********. We confirm this account is in relation to mobile number *********
It is the original creditors policy to provide the agreement at the point of contract and statements throughout the duration of the account; consequently, you have previously been provided with validation of the debt and you should refer to your own records.
We confirm you may obtain a copy of the agreement from the store where the handset was purchased.
We are acting on the instructions of our client who believes the outstanding balance is lawfully due to them and we are acting reasonably.
We trust this clarifies matters and we should be grateful if you would contact us by 7th May 2015 with your payment proposals. Please note should we not hear from you by this date we will be seeking our clients instructions with regard to taking further legal action to recover the outstanding balance.
Yours Sincerely,
Could someone please help me with how I can respond to this letter?
Any help would really be appreciated.
Has
Around two weeks ago I received a letter from Bryan Carter LLP on behalf of Lowell Financial Limited which requested payment be made for an outstanding O2 mobile phone debt (which I dont even know about)- if I didnt respond within 14 days a claim would be registered against me.
After taking time and reading around on the forums, I replied with a 'prove it' letter and received the following response:
Dear *******,
We write further to your recent correspondence, the content of which we note.
We confirm this account relates to a o2 (UK) Ltd (the 'original creditor') account, account number **********. We confirm this account is in relation to mobile number *********
It is the original creditors policy to provide the agreement at the point of contract and statements throughout the duration of the account; consequently, you have previously been provided with validation of the debt and you should refer to your own records.
We confirm you may obtain a copy of the agreement from the store where the handset was purchased.
We are acting on the instructions of our client who believes the outstanding balance is lawfully due to them and we are acting reasonably.
We trust this clarifies matters and we should be grateful if you would contact us by 7th May 2015 with your payment proposals. Please note should we not hear from you by this date we will be seeking our clients instructions with regard to taking further legal action to recover the outstanding balance.
Yours Sincerely,
Could someone please help me with how I can respond to this letter?
Any help would really be appreciated.
Has
