This is my first time here - and I along with others have received a letter, out of the blue from Ruthbridge. I have always had an excellent credit history and so as far as I am aware, don't owe anyone anything, other than what I am paying for currently. Firstly, I have read the advice given to others in detail and will send letter N asking for the CCA. However, there is another issue - the letter is addressed to 'my first name' 'initial' 'surname'. In this, they have not got my middle initial correct - and as I have a very common surname, presume that they have probably got the wrong person anyhow. I presume that I should mention this in my letter? They also have mentioned previous correspondance that I have not received and the letter goes like this (it is headed 'Letter before action'): 'We note that you have failed to respond to mail directed to you. You have been traced as living at the address stated above. please contact our legal department immediately on......... If you have not established contact with tis department within the next five days, our local agent will call at the above address.........' I have lived at my current address for almost 10 years and have only had 3 or 4 addresses, so in fact shouldn't be hard to trace - this points even more to the debt being someone elses. Your advice would be much appreciated.