Woody – If you want to send letter then that’s fine but personally I don’t think it is necessary AT THIS STAGE.
The letter is always there as a next step, but a call is much quicker and less hassle.
Just make sure you get a reference number for the call, full name of the agent, name of their manager, etc.
If that doesn’t work, go to the next stage.
Whatever you choose to do don’t worry about it, as most others have said it’s not your debt and that’s all you need to remember.
Let us know how you get on.