Can I also just say that I have no idea what to do about the Cabot default logged onto my credit file as I have no knowledge of it anyway if the two are not the same?

Hi Thank you for getting back to me so fast! The letter only states the date the account was opened which was 16/10/1997 (I would have been 18 and 2 months at this time) the letter itself does not state when the last payment was made etc, all monetary values are at nil. Experian states the following ( I hope it makes sense) 3 payments where recorded, 1 in the 49-60mth bracket, 1 in the 37-48mth bracket and 1 in the 25-36mth bracket. It was started on the 07/06/2005 with a balance of £208 the default was logged on the 05/12/2008 with a balance of £153. In the Gone Away section I have a date of 01/03/2013. I'm not sure if the two are even related but this is the only Cabot thing I have on my credit file, also why are they chasing me for a nil balance going back to something that opened in 1997 but not giving any further details, such as default date, When I apparently stopped paying etc and surely if its a nil balance I obviously don't owe anything so why chase?? Confusing much!

I am currently in the process of trying to clear up my credit rating/file after a disastrous 10 year relationship and bad money management during that time. Its coming up to 9 years that I have been credit/debt free or so I thought, the ex of said 10 year relationship fe lt the need to open up various credit accounts in my name, from a credit card with Capital One, to 2 phone contracts (orange and T-Mobile), a few catalogues (SimplyBe (no idea why he did that) &Next) even the odd book club etc at both the family home (before & after I moved out) and my last address (he no longer knows where I live) all without my knowledge. He since spiralled out of control with his debt and went bankrupt, but left me it seems with 6 defaults on my credit rating that I am not the owner of! One will end in December, another March 2015 and the 4 remaining in 2017 I have already managed to get Capital One to remove one default noted against my account and I now have a CIFAS logged also. to the current issue at hand, on the 24th May 2014 I received a letter from Cabot Financial, which consisted of 3 pages the first was dated 12th May 2014 the first page holds lots of information from Cabot's reference, original lender, that account number, the amount I currently owe, any arrears, minimum payment, credit limited and the date the account was opened, the second page is a statement of account, which is dated the 7th May and the 3rd is a blank page and a payment slip. I am a little confused as the account in question was opened in 1997 belonging to Next (quiet probably my original account I opened when I was 18 so nothing to do with above potential fraud) its states that I currently owe £0 the account is in £0 arrears, £0 minimum payment and a £0 credit limit. Then it goes on to state that the letter is my agreement with Cabot for the period covering 1st November 2013 until 30th April 2014 and I need to make minimum payments to avoid my account going into arrears? Ive checked my credit file this morning and I do have a default on my credit file with Cabot which dated back to 2005 and has a default date of 2008 with a balance of £153. When I originally checked my file it was on my list as potential fraud by my ex as I don't remember opening anything in 2005. I am at a loss of what to do next so any help would be gratefully received!