Good Evening Everyone I was wondering if I could please ask for some assistance in respect of an urgent matter? I have been looking though the various posts but am still uncertain of the best way to proceed, hence, the reason why I am here asking for assistance/help from some of the more experienced amongst you. I had a mobile phone contract with O2, which was either an 18 or 24 month contract. Last year in February, I was told that I could get an upgrade (which I did and I contributed £150 towards it). In July, I lost my job suddenly without notice or warning. All of the staff were fired and the business closed down. I was left with no income whatsoever and had less than £200 in savings. I made an application for Job Seekers Allowance but due to some kind of administrative error, the claim wasn't finally processed until late October. First JSA payment received in November (no money for nearly 4 months - I can prove this). In the meantime, O2 had written to me requesting payments, I have to be honest, I did not know how to deal with it or what to say to them due to the ongoing situation with the DWP and not knowing where I stood inn respect of any benefits payments as well as the stress/depression generally at my situation so I stupidly buried my head in the sand and ignored them. I had some arrears outstanding to O2 that had built up on the account immediately prior to losing my job which I paid around the time I lost my job (or just before) but could not make the monthly payments from that point forward. It was my intention (once I knew where I stood with DWP/JSA) to see if I could get the monthly tariff lowered to something cheaper but I never followed through with it. After 2-3 months all went quiet and O2 stopped contacting me. 6-7 weeks ago, I received a couple of e-mails from Lowells requesting a payment of £700+ (basically the monthly cost times the amount of months remaining on the contract). Lowells advised me that O2 had sold the debt to Lowells. During the same period of 1-2 weeks, I was contacted by Red DCS chasing for the same debt (at the time, I did not realise the companies were connected). On 24th September 2012, Red DCS and Hamptons Legal wrote to me on the same day telling me that they had accessed my credit file and were intending to take legal action if they did not get a response within the next 10 days. I should have dealt with this in the last 10 days, however, I failed an ATOS medical and DWP stopped my ESA benefits on 28 August 2012 (my claim changed from JSA to ESA in April) therefore, I've been forced to deal with the ESA Appeal in priority to everything else over the last few days, I am now back in the same situation I was in financially last summer and feel suicidal I have used one of the templates on this site in respect of the Subject Access Request which I will send tomorrow by Recorded Delivery (unless somebody tells me differently), I have also drafted a short e-mail this evening (not yet sent) advising Lowells that I am disputing the debt (in order to slow down any legal action) and to ask them to prove the debt but I am not quite sure how to word it. I would have liked to have sent something along the lines of letter template asking them for a copy of the contract/consumer credit agreement, etc. but I understand from what I've read on here that it does not apply to mobile phone contracts (I can't recall that far back, but I think I took out the O2 contract in carphone warehouse so I don't think I actually signed anything - but I can't be certain). Can anyone please advise if I am doing the right thing or if there is some other route I should be going down? Thank you.x