I stumbled upon this thread from a search engine when looking for something else. I "pinched" your letter and used it on an account that Royscot Finance had sold to Wescot. RESULT!! £5200 written off immediately, because they couldn't produce the documents. They gave up without a fight and, to quote their letter to me, "we have closed the account and no more correspondence will be sent to you regarding this matter." I have just sent the same letter to Abbey (£1500) and although they supplied the documents, they can't prove the balance, so it looks like this may go the same way. You people are fantastic!