Who are my creditors?

FS20

Hi all once again. Firstly, thanks for all the advice so far.

I now need to know how to find out who my creditors are. Basically, they have been passed about so much recently, I have no idea who they are seeing as I have had no contact with them. Is there any easy way of finding out or would I need to ring individual companies to find out? But as I say, chances are that they have been passed on time and time again!

Thanks.

FS20

Anyone? Sorry for double posting.

RAS

Hi

If you get your credit refeence reports, you can find out who owns the debts now. I would then advise that you also send a CCA request to everyone who contacts you for a credit card, catalogue or loan debt. This ensures that they actaully do have the right to collect the debt.

creditors are supposed to write and tell you if they are selling a debt but a lot seem to forget. it is against OFT Guidelines for more than one company to chase a singel debt.

FS20

Hi, thanks for your reply...sorry for my complete and utter ignorance but how do i get a credit reference report? and what is a cca request???

thanks once again and try not to feel like banging your head against a wall after helping me!