Thanks for your prompt replies, I'll pass the info onto my husband. He definately left that address in May 1998.We also thought it strange that the notice of assignment was dated 5/2/08 yet the first correspondance was 24/01/08.

My Husband recieved a letter on the 24th January 2008 from Thames Credit ltd claiming he owed them £325.83. It asked to agree a payment plan. He was a bit shocked by this as he has never had a loan,overdraft or credit of any sort. We did a google search and found this forum. We made a copy of a letter template we found here asking for a copy of the original alleged agreement along with a £1 postal order. We recieved another letter dated 5/2/08 which reads as follows we are not the original creditor. we did not provide you with the original credit facility. We purchased your outstanding debt balance and right to collect that balance, together with th right to apply interest in accordance with your original credit aggreement, consequently we have no obligation to provide you with a copy of that agreement. However as a matter of good practice we will seek to obtain a copy of the original agreement from the original credit grantor and if it is available we will forward a copy to you. In the meantime howeve, unless you are specifically denying that you have knowledge of this debt, or you are specifically denying you are liable for this debt, there is no reason why our debt collection activities against you should be suspended. We are now the legal owners of your account and your liability is now to us in respect of repaying the outstanding debt balance that was purchased. Unless we hear from you by telephone or in writing within seven working days from the date of this letter, setting out reasons for disputing the debt or reasons of nonpayment, the matter will be passed back to our collections division for action. If we recieve a copy of the original application we will forward the same to you. If the bank is unable to provide a copy that does not mean we have no right to continue to request payment of the outstanding balance. It is therefore in your best interst to agree an installment arrangement with us, or discuss terms for settlement (we may give you a discount on the original balance for early payment) as soon as possible We then recieved this on the 8/02/08 Your account was legally assigned to this group of companies some time ago and since the date of assignment, we have been endeavoring to contact you. By processing your account through public databases it has confirmed that mr xxxxxxxxxxis living at the address shown on this letter. It is therefore imperitive that you contact us immediately to discuss your account. Outr telephone number is clearly shown at the top of this letter, as are our working hours. Please ask to speak to one of our negotiators, quoting your reference number. If you believe that you are not our customer, and have no connection with the above referenced account please contact us as soon as possible on............ so that we can ammend our records We knew from reading several forum posts not to contact them by telephone so we waited to see if the original agreement appeared before the alloted time frame. Today (12/2/08) we recieved You requested that we provide you with a copy of the original agreement and copy statemnts. We can confirm that this request is still being processes and ask you to be patient whilst this information is collated. Attached to it was a formal notice of assignment from Aktiv Kapital uk ltd (arent they the same company???) dated the 5/02/08. It has an address my husband lived at until 1998. It says... We hereby give you notice that CL Finance have assigned your outstanding debt balance to GE Capital bank ltd. GE Capital Bank Ltd immediately assigned the same outstanding debt balance (due and owing by you) should be paid to the benefit of Aktiv Kapital Asset Investment ltd. We here at Aktiv Kapital (UK) Limited in Chester are handling it on their behalf. Immediate payments is now required on the full amount of £325.83. We havent a clue what the debt is, we havent recieved proof that the debt even exists or to who and why. Could some kind person in the know, point us in the direction of what to do next, please. We've never had any debt or credit/finance so all this is new and very confusing