I have been in contact with JDL with exactly the same responses - ignore them, write directly to the company you owe the money to and say you will not correspond with JDL any longer, say they are harrassing you. I just did this with JDL and the Leeds & Holbeck and they have settled for £700 against a debt of £4200, I am sure I could have got it slightly lower but thanks to the advice of this page and the people, I am about to get the letter of satisfaction and then I will pay up. DO NOT BE THREATENED by JDL, they are a bunch of bullies. I followed the advice of do's and don't and it did get me somewhere after about 1½ years, the Building Societies do not want to go to court for small amounts, JDL offered me £900 against the debt and I told them to stuff it !(posted 7639 days ago)Thanks to everyone's words of wisdom.