So I received a letter from Commonwealth Bank about some arrears and that if they weren't fixed they would take legal action, citing a number to call. I called, made arrangements and all was good. My partner lost his job unexpectedly last week and as such our pay was substantially smaller than budgeted, so I wanted to make some amendments to the arrangements I had made. But going into Commonwealth Bank, I was advised that the debts had all been sold to a debt collections agency and I no longer could converse with the bank regarding anything. When pressed about which company has bought, the debt the bank teller could tell me. Now, I was thinking can I contact the guy I'd made arrangements with (who never said where he was from or that he wasn't with the bank) and ask for documentation on what the debt total is? And also, knowing they bought the debt can I refuse to pay any more than what they paid for it?