Six months ago, Henri's consumer debt of $3,000 was referred to a collection agency. The first thing the agency did was to phone Henri's employer and confirm his employment. Like clockwork thereafter, every Monday afternoon Henri could expect to return home to a message on his answering machine asking for payment on account. Equally, he could expect a letter from the agency to arrive each Friday, complete with a printed return envelope for his "payment." Finally, on a monthly basis, he would receive a statement of his account, together with accruing interest, and the advice that "prompt payment will avoid our placing this matter in the hands of our lawyers for collection."Which actions undertaken by the agency were a violation of the Act?