Hi foxxy. Did you get a response from Lowells advising you how they came to that figure, or did they send you a copy of the original Credit agreement ? if they have not, i would send a letter quite clearly stating you want to see the CCA -they have a time limit to provide you with it. I think the cost is £1 (enclose a £1 postal order). They cannot just contact you out of the blue saying you owe them money without being able to advise how they came to that amount. You are perfectly entitled to see proof of the alleged debt. I would also tell them you are contacting your local Trading Standards office and the Office of Fair Trading as you feel a polite request for information has been met with intimidation and threats. My local TS were brilliant. Definately worth writing yours a letter. Hope this helps :-)