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 6 years that I have been credit free or so I though, the ex of said 10 year relationship felt 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&Next) even the odd book club etc at both the family home (after I moved out) and my last address (he no longer knows where I live). I have already managed to get Capital One to remove the default noted against my account and I now have a CIFAS logged also.
Anyway to the current issue at hand, today 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!
Anyway to the current issue at hand, today 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!