select a.* ,d.* , lower(Contacts.gender) gender,
c.COUNTRIES_NAME,
Contacts.FIRSTNAME  Name,
Contacts.LASTNAME LastName 
  from account a join debtor  d on a.WAccountid = D.WAccountid
  left join contacts on d.WContactID = Contacts.RECORDID
  left join countries c on c.countries_id = d.WPOSTCOUNTRIES_ID
 where a.WAccountid = <@KEY@>
 order by 1
  