Letter 3 was sent on 8th June...
After having sent them the 3 letters they have now replied letter stating that they are acting on an agent basis in this matter. They say they have received the account with reference 000000000 from their client Paypal for collection on the 10/04/2012. "Our Client has instructed us to collect the balance on their behalf"
They say they reserve the right to communicate regarding payment of this debt as and when appropriate.
"Please be advised that we are not a third party as defined under the Consumer Credit Act 1974. We are legitimately appointed agent of the creditor pursuing settlement of what we understand to be an undisputed, overdue and outstanding debt. We are a Licensed debt collection agency. Our full Company registration details are shown at the bottom of this letter. We confirm that we act on an agent basis in this matter. We agree that you have no contract with our Company, however, we do not write to you to enforce any alleged Rights on our own behalf. We have been instructed by Our Client, Paypal, whom we understand to be your creditor, to contact you regarding settlement of what we understand to be an undisputed, overdue and outstanding debt under a contract between the creditor and yourself. You have requested validation of the debt. Debt Validation (and verification) we believe is a concept originating in the United States Federal Fair Debt Practises Act. This legislation does not apply in the United Kingdom and therefore we will not be providing you with a sworn affidavit as requested.
Please contact us with your repayment proposals or advise us how you intend to deal with this matter."
They are giving me 2 weeks to respond. signed in biro by M.squiggle (name unknown) on behalf of IQOR RECOVERY.