So it looks like my other half has received a fairly standard Transcom letter on behalf of Motormile. My instinct was to fire off a 'prove it' letter, but I'd just thought I'd ask you guys 'n' girls your opinion in case different actions may be better. Anyway, here's a synopsis of the letter: re: Motormile Finance UK Ltd A/C No: xxxxxxxxx Quote ref: xxxxxxx Amount due: £xxxx.xx Banner: RECEIPT OF PAYMENT Dear Miss (old married name) With effect from 18th September 2012, BCW Group Ltd sold the above detailed account to our client Motormile Finance UK Ltd [MMF]. We have been instructed by Motormile Finance UK Ltd to collect the outstanding balance. The balance outstanding under the agreement is £xxxx.xx. It will now be reported to and recorded by the credit reference agencies as a debt which is outstanding to Motormile and not as a debt which is outstanding to Greenwood. Motormile Finance has appointed Transcom Worldwide UK Ltd to administer you account on their behalf. You should now make payments under the agreement by calling us on 0844 7422064. Our client will accept a suitable repayment plan, if you are experiencing financial difficulties please contact us immediately for assistance. If you have any questions or concerns regarding the ownership or administration of your credit agreement, please contact us, as above. Your sincerely Generic Squiggle So, I gave the other half a good grilling after doing some research on what this alleged debt might be, as she has had some outstanding bills when I met her. She remembered that she had had a 'payday' type loan a few years back when she lived somewere else (a few houses back), but not with any of the companies listed in the letter. This was a weekly doorstep type collection loan, and she informed the agent in writing when she moved. She thinks she had paid it off but can't be 100%sure, and won't have any paperwork. The timescale is around 2005-2006, and as far as she can remember the last contact she had was around Christmas 2006. Questions: 1) as the timescale is around the 6 year mark I am hesitant to fire off a 'prove it' letter... but rather hang out for a couple of months just to get some clear air. Good idea....? 2) what exactly defines the 6 year period....? Would a standard 'prove it' letter and the ensuing communications, using the wording available on this site, restart the 6 year period (if liability was not admited obviously)...? 3) if a debt really has previously been reported to the CRAs (as Greenwood), she wouldn't have been able to get a credit card recently would she...? Cheers for the assistance people Rich