Does mortgage documentation go to your rented property or to you?
Did the collections agent contact more than one tenants, if yes can you get these tenant's to confirm in writing (you draft the letter) that the collections agent contacted them, and what private personal information the collections agent gave to the tenant.
What do you mean about 'transcripts' between tenant and collections agent. You mean hearsay (conversations). I doubt either the tenant or collections keep records of what was said.
You mention a solicitor, can you afford a solicitor, I would have thought a well document file to the ombudsman is the way to go, this costs you nothing, but you have to be very careful when you compile your complaint.
Social welfare tenant, be very very careful you are giving this person correct notice as per the PRTB. Immediatly contact social welfare rent department and confirm in writing by registered post that the tenant is paying no rent since x date. I would initially ring them so you find out who is in charge of the file, (I've had great assistance from social welfare officers in the past, they want to know if tenant's are not paying rent, are scamming etc)
It appears you are waiting for the new insolvency legislation. Interesting. How do you think it will help you. If you are paying all rent directly to the bank but it only covers 65% of monthly amount who is paying the 35%? If you are not paying the 35% would you not be better off letting the bank repossess? Also if you are not paying the 35% but owe tax, nppr and household charge on rent what are you going to do about this as to me it would be better to pay all rent after charges, tax and costs?