OK I'll give this one a shot. It looks ok. The only thing is that one has to pay money for access to the response letters but given it is only small amounts of money then I guess that it better than paying out money to the debt collectors.
This is a story in progress. I'll keep you all abreast of developments.
Its all Latin to me too. :-)
As far as I know they work in all Common Law jurisdictions. I think all the banking systems are the same anyway.