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Old debts - finally want to clean this up. Best approach?


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Hi All.

 

I have a bunch of debts that have been hanging around for years under a free debt management plan. I want to clear these up now.

 

Firstly, my main concern is that the totals currently 'outstanding' exceed the original borrowed in the first place by quite a while.

 

Also, the debts have been passed between a number of agencies and in some cases I don't even know what the original debt is anymore.

 

I'd also like to note that these collection companies have added plenty of money on the totals too so maybe I need to request a statement from them AND one from the original lender if I can work out how they are? In short, HELP! :(

 

So here is my plan / questions:

 

Can I / should I contact all the companies listed on my credit file and ask for a breakdown / statement? Is this a subject access request? Can I even send them one if they are not the original loan company?

 

I've attached a screenshot of the debts I am aware of / with my management plan in case there is any specific action I should take based upon the info / people. // I removed the screenshot - realised I had account numbers in there. Whoops!

 

Many thanks in advance.

Edited by itrends
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I suspect those more knowledgeable than myself will be here shortly - and I anticipate them advising you start off by sending off CCA letters to all of the companies concerned to initially establish whether the credit agreements are valid (this costs £1 per creditor). The SAR would come later and costs £10 per creditor.

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