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My Debts - On a Plate!

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OK, so now I have had some great advise and help on here so far that has empowered me to try and take conrol of the mess that is my finances!

I have so many DCAs after me I was not sure what was owed to who and what the original debt was for. In some cases Im still no wiser.


He is the result of my trawling my credit reports:


Catalogue £458 (Not sure which DCA is chasing it)

Lloyds Overdraft Old account £192

Lloyds Loan £822

Santander £875 (think these are mainly bank charges?! from old account?)

MEM £678 (Payday Loan?)

Halifax Overdraft (Old account) £300 (May inc some charges)

Lowell (Suspect payday loan but not sure) £313

Cabot (no idea what for) £649

Aktiv Kapital £517 not heard from them in a while as was disputing amount

Mackenzie Hall £762

Gothia - ?? No ideas, Pay loan? £673

Tesco Finance Credit Card £3,614


These are the main debts and the ones who are chasing me.

I also appear to have a CCJ! No idea who or where that came from. Never even receieved paperwork for it?


Looking at this mess does anyone have any idea where I should go from here? CCA them all? What about electronic agreements, as most of this would have been online?


Any ideas on how to start this, no doubt very long, Journey would be gratfully receieved.

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