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!