All owed debts

[gemmagemini]

I am currently trying my best to sort out my finances as I am looking to get a mortgage. I have got in a real mess and lost track of anything I owe out. Can anyone tell me how I can find out who I owe money to??
Thanks

[Gok Wan]

You could try getting a copy of your credit file from Experian orone of the other credit reference agencies and see what is registered.

I find it difficult to believe that you can't remember who you owe money to. Do you not get statements / final demands etc? Are you going to conveniently 'forget' about your mortgage (if you manage to get one)?

[gemmagemini]

I've been through hell with my ex so i've had to move and didn't change my address with the companies

[musicman1956]

The best way to find out who you owe money to is to stop paying your debts. I promise they'll soon find you.

[Memore]

getting experian is your best bet if you have moved and they not traced you then you probably have defaults on your file which makes it hard to get a mortgage - also if you apply for a mortgage and have lots of debts that will be taken into account on how much you can borrow. I think it was about anything over �6k when I got mine however I paid everything off before I applied for mine but didnt have defaults - a friend who already owned a flat with a mortgage got turned down for a second mortgage as she appartently owed a mobile company �100 and that was with over �10k deposit and no debts? they had registered it as a default and she was not aware of it