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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.
I'm getting all in a muddle. I read its possible then I read the oposite Basically I sent SAR to halifax and egg. Both packs came back and both were missing the defult notices that appear to be the key to success in removing defults My phone call to halifax yesterday suggested she will only send templates and Basically I had terms and conditions so the defult notice wouldn't matter anyway Can you get defults removed or is it pipe dream? They were dated 2010 when I was out of work and too young/inexperienced to know that mistakes made now would cost me so much in future. (Trying to move home) Any help would obviously be amazing and any more details you may need ill add. Thanks gyus