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Debt collection letter from Capquest/Opos/Arrow Global

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I have seen a few posts related to these companies, my husband received a letter from Capquest/Opos/Arrow Global chasing payment of an overdraft account on a Lloyds TSB account, he doesn't recall having an overdraft account but did have an account with them over 25 years ago.

The total supposed debt is £101.81 with an offer to pay £25.45 to clear it.

My thought is that even though it is a small amount to clear it, I don't think he should pay, my husband thinks that we should just pay to get rid of it.

I have drafted a prove it letter from the template given on this forum, should I send that or should we just pay it, I could end up spending more in postage but it's the principle.

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