After checking my credit file I noticed a company called Cabot saying I had a debt of 780 and default on my account after ringing them and not being able to give them the correct details my d.o.b was wrong. I had to get cab to involved to get the to speak for me about this account they said it was from a catalogue... the debt in question had been paid but had not proof as it was paid from a very old now closed bank account. I am currently writing to the bank to try and get the Statements. After being told I would be taken to court I stupidity said I will make monthly payments but also said I'm taking it further and want all info and credit agreement for this account.. I also rang simply be and asked them for the same info.... then a week later simply be sent me a credit agreement blank saying they hasn't received my credit agreement and I must have forgotten to sent it back.... Do I have to pay if they have no credit agreement? Where do I stand? I have just had a Baby and suffer mental health issues and the whole thing is making me very ill as well as affecting my chance of getting a mortgage. Any help advice would great thanks.