Hi, I received a letter from Cabot a few days ago advising me that i owed them £767 pounds on a credit card from Monument that had defaulted. I was not aware of any credit card so i rang Cabot up to see why i had recieved this letter. The guy i spoke to then said they had TWO accounts on me! one from defaulted Oct '03 for £767 and one that defaulted March '98 for £1200. I denied knowing what the accounts where but he kept insisting on making me offers to settle both debts. I kept insisting i knew nothing about the debts so why should i pay anything! He then said "forget the one from March '98 and concentrate on the one you do know about from Oct'03" I told him again i only knew about either of them because he was telling me now and i had never received any of the letters he said they had sent out. After 45 mins on the phone i said we were going in circles and i was going to take legal advice. He then said that this would show up on my credit file and i would be blacklisted and legal fees would be more money than the account settlement figure!!!!! I just hung up. I then looked up my credit file and sure enough i had two default accounts, One from Barclaycard and one from Cabot. Both the same dates and both for £313. Their was no record of anything for £1200 on any dates. I have since recieved another copy of the Cabot letter saying i owe them the £717. What do i do? This site has been fantastic reading but i cant quite find a strategy i can use to get these idiots to listen! I appreciate any help you can give. Scatoony71