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Following NAB's response to ASIC about possible misleading, deceptive or unconscionable in its debt collection practices, we are sometimes asked about selling "pads" of debt collection letters.
By way of background, it was not uncommon historically (many, many years ago) for debt collection agencies to sell pads of demand letters to clients. The basic mechanics of these demands were;
We do not supply these prepaid demands and never have as we believe the conduct to be misleading, deceptive and possibly unconscionable for similar reasons to ASIC's concerns linked above.
Any reasonable consumer would believe that the letter was issued from the debt collection agency when in fact it has not been. This also implies that the debt has been outsourced to collection from the client to the debt collection agency when it has not.