Help Needed with Bryan Carter Solicitors- Acting on behalf of Lowell Financial (o2)

[rubin123]

Hello everyone!

Its the first time Im using this site and I am in need of urgent help with dealing with Bryan Carter Solcitors.

About a month ago I received a letter from Bryan Carter, on behalf of Lowell Financial Limited requesting that I pay an overdue debt owed to o2 of £661.34 within 14 days, otherwise a court claim will be initiated.

I read around on the forums and 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 lawfuly due to them and we are acting reasonably.

We trust this clarifies matters and we should be grateful if you could contact us by 7th May with your payment proposals....

Yours Sincerely,

Bryan Carter Solicitors



They have not clarified/proved anything.

Any help would be much appreciated in responding to these people!

Thanks!

[nemesis45]

Re: Help Needed with Bryan Carter Solicitors- Acting on behalf of Lowell Financial (o

Hi Welcome to LB,

A standard Carter reply!!

Dear Mr Carter,
ref: use carters
I refer to your letter dated xxxxxxxxxxx irrespective of what may or may not have been
provided by the original creditor for this alleged debt I require your client to provide unequivocal
proof of my liability for this alleged debt.

Your reply together with the requested documentation should be provided within 7 days from
the date hereon otherwise I will consider the matter closed.

use signed for post and check delivery date.

Play Carter at his own game!!

nem

[rubin123]

Re: Help Needed with Bryan Carter Solicitors- Acting on behalf of Lowell Financial (o

Thank you so much nemesis 45! I knew it was something like that but thanks for pointing me in that direction!

Ill send that off tomorrow and post what I get as a response

Is that a response they usually send when they dont have anything?

[nemesis45]

Re: Help Needed with Bryan Carter Solicitors- Acting on behalf of Lowell Financial (o

It's a reply adopted by the debt collection " industry" in an attempt to put people
" on the back foot".

em

[rubin123]

Re: Help Needed with Bryan Carter Solicitors- Acting on behalf of Lowell Financial (o

Hello Nemesis,

I hope your well!

I received a reply back to the above letter from Bryan Carter stating:


Dear ****,

We write further to your recent correspondence.

We confirm that you may obtain a copy fo the agreement from the store that you obtained the mobile from. We further confirm that it is the policy of the original creditor to provide you with the agreement at the point of contract and statements throughout the duration of the account.

We would be grateful if you could respond....

Yours Sincerely

Bryan



Now, that seems like a rehash of their last letter!

How should I respond?

Many Thanks!

[nemesis45]

Re: Help Needed with Bryan Carter Solicitors- Acting on behalf of Lowell Financial (o

Dear Mr Carter,

Further to your letter dated........................ and your refusal to comply with my lawful request for documents mention in the particulars of claim No...................................: under Civil Procedure Rule 31.14.

As you are fully aware the provisions of the rule still apply to the claim has been allocated to a track Small Claims track or otherwise.
What may or may not have been supplied by an original creditor is of no relevance.

The intransigence of Bryan Carter LLP in this matter will be brought to the attention of the court.

This is my response as requested.

Your etc.

Forget Carter after this and concentrate on you defence.

nem

[rubin123]

Re: Help Needed with Bryan Carter Solicitors- Acting on behalf of Lowell Financial (o

Hi nemisi

Sorry I have been very ill and havent had a chance to reply

Thank you for your response

They have not issued any proceedings yet- we were at the stage of them threatening to send proceedings if I didnt reply within 2 weeks.

What can I respond based upon that? As the above response is based around a particular of claims being issued

Thanks in Advance!

- - - Updated - - -

Hi nemisi

Sorry I have been very ill and havent had a chance to reply

Thank you for your response

They have not issued any proceedings yet- we were at the stage of them threatening to send proceedings if I didnt reply within 2 weeks.

What can I respond based upon that? As the above response is based around a particular of claims being issued

Thanks in Advance!