How many debts do I owe?

Hi this might seem daft but I don't know how many debts I have or who owns me. Lowell appear to major players in this game, along with their subsidiaries. Is it possible to write to Lowell and get a comprehensive list of all my debts to enable me to organise a plan and make monthly payments to be deducted from each. I have checked out Experian and that tells me my credit rating is poor, something I know, how else can I do this?


  • ceremony
    ceremony Forumite Posts: 241
    100 Posts Name Dropper
    There are three major credit reference agencies - Experian, Equifax and Transunion.
    You can get free reports from Credit Karma (uses Transunion) and ClearScore (uses Experian). There's a link somewhere on the MSE main site to a service which has data from all of them as well (although  I haven't used that because they "can't identify me" for some reason!).
    Get your reports through all three of the CRAs. This will tell you what debts you have, and if they've been sold on it should say that as well.
    Start Debt Jun 2020 = £10,036 - Current £5,894 | #324 £1,000 Emergency Fund Member - £205
  • ditty1234
    ditty1234 Forumite Posts: 1,971
    1,000 Posts Fourth Anniversary Name Dropper
    @rem409 honestly don't write the companies, they will get in touch. Check the CRA's for balances, check when the balances were updated, and then pay them when they get in touch, but only after your debts are defaulted - I am assuming you have missed payments already? ... OR might have to.
    LBM Jan 2019 - £25.928/Active debt £14616, 43% sorted EF 2023 £50/1000 5% Have paid up my car and house insurance yearly and am now saving to pay back my overpaid tax credits outright. And am saving for various things that might break - like couch(£60), vacuum cleaner, dish washer, and fix bikes. Housing fund 2023-2024 £2200/6000 36%
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