How To Find Out Your Debt

Other means to notice out about your debts

Check letters and emails from creditors

You should check any letters or emails y'all have, to encounter if they take information almost what you owe, such equally account numbers and balances.

If you've changed address and didn't update your creditors, you could try and find out whether any postal service went to your previous address by asking the new occupiers, landlord or agency, or providing them with a forwarding address if possible.

Get in touch with your creditors

If you lot remember taking out debts to specific creditors, contacting them can exist 1 of the easiest ways to get more data. While contacting creditors can seem a scary prospect, it'll help y'all find out more about your debts.

You can also explain to creditors that you're looking to bargain with your debts, and ask them to give you some breathing space, by agreeing to a temporary payment holiday, while y'all observe out more and seek help and advice.

Read our guide to making a budget to show your creditors what you can beget to pay them.

Sometimes debts are passed to debt collection companies, who have over the ownership of the debt from the original creditor. However the original creditor should accept a record of this and will be able to provide y'all details of who the debt is now with.

Check your depository financial institution business relationship statements

Most payments for debts are taken from your bank account either by direct debit, standing club or using your debit bill of fare. If you utilize online banking or accept copies of onetime statements you can cheque these, or enquire your bank for help. A good place to search is the list of cancelled straight debits, as this might contain useful information.

Banks may only show recent statements in your online banking business relationship, and may charge for copies of older statements.

Notice HMRC, council tax, CSA and benefit overpayment debts

To help you discover debts owed to government departments or agencies such every bit HMRC (Her Majesty'southward Revenue and Customs), local government and the Kid Support Bureau (CSA), you'll demand to get in affect with the right agency or section. We've listed some useful contacts hither:

HMRC
Detect your local council
Child maintenance and CSA
Benefit overpayments
Department for Work & Pensions (DWP)

Read our guide to dealing with council tax arrears.

Should I expect for creditors to contact me about what I owe?

If you can't find any information nigh your debts from your credit file, messages, correspondence, or bank statements and so your only option is to wait for creditors contact yous.

Creditors will use your last known address or the address on your credit file to detect you, so keep these updated. Specialist tracing agents can also be employed by debt collection agencies or creditors to find y'all.

Some people deliberately avert repaying debts or contacting creditors, in the promise that either the debts go away or creditors surrender. This is almost guaranteed to make your situation worse as it risks farther court activeness against, and the balances of the debts could keep going up.

Nosotros'd only suggest waiting for creditors to contact you as a last resort.