Hello everyone I just recently received an arrogant phone call from JBDR and expierienced the same problems when i refused to give out my personel information. I emailed them and heres the response. My email to them - In respect to the above reference number can you please clarify to me who the debt is in reference to as i have never had any dealings with Lowell Financial Ltd for the sum of £1780.01 . After your arrogant phone call to me on Tuesday i did some research into your company on the Internet, and to say your company didn't appear favourable is an understatement. If this is some kind of fraudulent activity that you are conducting, i will have no hesitation to contact the police and legal action WILL be taken against you. Please email me all the details regarding this debt, IE - What the debt is for (loan, car finance etc) when it was taken out, Where it was taken out. Please reply to me within 5 working days, I have already passed on the circumstances and your details to my solicitor. Heres the email from them that i recieved the next day, seems to me they ran for the hills when i threatened legal action, hehe Good afternoon Mr *****, we requested a copy agreement from our client back in Oct 06. We were told this was "unavailable". The account should have been closed on receiving this information, unfortunately the person who dealt with this put the account in the wrong status. Your account is now closed on the JB Debt Recovery system and the account was returned to our client (Lowell Finance Ltd.) I have never heard of Lowell Finance and i currently have a debt management plan whith an independant firm so i know all my debts are accounted for, surely what they are doing is not legal?