photoshop script - automating photoshop to add one-to-one text layer from file

[wlfud]

For example:

Thank you very much!!!

[Kukurykus]

No info whether .psd's exist or have to be created, and if exist, the text layers exist or have to be created.

[c.pfaffenbichler]

Are the files definitely called »001«, »002« etc.? 

Are the txt and the psd-files in the same Folder or do you need two selection-dialogs, one for the txt, another for the psds or the Folder? 

Are there any meaningful rules regarding the position and type properties of the type layers you want to create? 

What is the point of this process in your workflow and how frequent is it?