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Yes you need to get a set of folders, one for each account then file stuff in the folders as you get it or, send it etc. For some things you receive you need to keep the envelope and put the date you receive it on the envelope, then clip it to the letter, then file it. That's not necessary for everything but for the time being if it were me I would do it as a routine.
Sorry can't help with the iPad, but I'm sure someone else will be able to help with that.
You probably ought to find out who the original lender is for each of the accounts before you go much further. So assuming you've kept no paperwork but you're still in touch with a DMP then they might know who they are so you should ask them. Otherwise the DCA's or new owners ought to know, but it might not be the best thing to do to ask them at this stage because you don't really want to engage them in conversation - and definitely not by telephone. You can probably also find out by doing a £2 credit check query on Experian, Equifax or Call Credit but that's not always a good thing to do either - for example there may be a creditor that doesn't have your current address and you might not want them to know it. So you might need to think carefully before you do that.
When you send a CCA request it should go to whoever is chasing you for money, then they are responsible for handling it and if necessary they need to forward it to the original creditor. So you might well find out that way because they might write back asking you to contact XYZ direct (they shouldn't do that but they might). Or assuming you get a CCA as a response then the CCA will tell you who the original creditor was. If they don't respond with a CCA then it becomes unenforceable anyway until they do send a (compliant) CCA - in which case you might say it doesn't matter who the original creditor was. Someone else may have other ideas for you if need other possibilities.
Sorry can't help with the iPad, but I'm sure someone else will be able to help with that.
You probably ought to find out who the original lender is for each of the accounts before you go much further. So assuming you've kept no paperwork but you're still in touch with a DMP then they might know who they are so you should ask them. Otherwise the DCA's or new owners ought to know, but it might not be the best thing to do to ask them at this stage because you don't really want to engage them in conversation - and definitely not by telephone. You can probably also find out by doing a £2 credit check query on Experian, Equifax or Call Credit but that's not always a good thing to do either - for example there may be a creditor that doesn't have your current address and you might not want them to know it. So you might need to think carefully before you do that.
When you send a CCA request it should go to whoever is chasing you for money, then they are responsible for handling it and if necessary they need to forward it to the original creditor. So you might well find out that way because they might write back asking you to contact XYZ direct (they shouldn't do that but they might). Or assuming you get a CCA as a response then the CCA will tell you who the original creditor was. If they don't respond with a CCA then it becomes unenforceable anyway until they do send a (compliant) CCA - in which case you might say it doesn't matter who the original creditor was. Someone else may have other ideas for you if need other possibilities.
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