Thank you everyone. I'll let you know what happens!

Thanks freakyleaky. I've read this and I'm still confused Anyone else have any helpful advice for me please?

Please can someone help us with this problem? I applied to a lender to remortgage with my husband a month ago and was surprised when we were refused. We both checked our credit reports and I found a default had been placed on my credit history late last year by Arrow Global. However it appeared under a previous address I moved from over 2 years ago. I rang Arrow Global and they told me that the debt came from Shop Direct for an unpaid credit account. I have never had a credit account with Shop Direct or any of their companies. They asked me to write to them explaining the situation and proof of my new address from when I moved, which I sent. They told me it was up to me to prove I hadn't taken out this account, not for them to prove I did. I also haven't received any statements or letters from either Shop Direct or Arrow Global, as it appears that both have my old address. The default simply appeared out of nowhere. I have reported the matter to the police and obtained a crime reference number, which I also put in the letter. So far the police haven't been very helpful. I haven't been asked for a statement or anything. I got fed up after a couple of weeks of inaction, so I contacted Shop Direct myself and they confirmed that a credit account was applied for online in September last year using my name, address and birthdate and some high value electrical goods were ordered and picked up from an outlet not too far from my old address. I informed the police of this and I am waiting to hear from them. We suspect the current occupant of our old house is involved, as we have had unpleasant experiences with them since we moved. What can we do to get this resolved as quickly as possible? The mortgage lender said if we can get a letter from Arrow Global explaining that this default was applied in error then they are happy to proceed with the application however the unhelpful people I have spoken to at Arrow Global told me that they wouldn't ever write a letter like that This has caused us lots of distress and placed strain on my marriage with my husband, and our two children. We are also paying a higher rate of interest in the mean time on a loan my husband has as the remortgage is to clear that off and get our finances in order. With a small baby things are tight as it is. Any help much appreciated