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simply financial ( apparently in Glasgow but with an Inverness number) called me , I asked who they were he said simply financial based in glasgow, I said why are you calling on an inverness number then? he then shouted out asking why is are number calling on an Inverness number. never heard anyone else, he then said the company he works for there exchange is in inverness. he started going on about debts, I said I had non and he then just hung up.