Hi from Jeds Wife (Janet - LLB/Law )
What you are talking about, the 1st step is scare tactics like in the process of taking you to court etc.. they will have just pushed the debt onto a DCA because they have given up on it, so now they have given a DCA the right to collect that debt taking a hit of the the money owed.
Now the DCA will use letters to scare you, taken to court is not really going to happen, for £70 they'll just bombard you with letters or sell it on to another DCA thats how small amounts work.
So asking for copy of the contract that was signed with the supposed company might be hard for them to get, and most of the time they'll never have it.
But as its only for £70, ide pay it and take up the commercial space so the company can not resell it and double money!
Hope this helped? Thats £70 ph for my advice to thankyou
This note from Jeds wife copied here by ChrisS