basa: One of my creditors was Tesco PF. But now all the correspondence concerning this debt is headed RBS (with no mention of Tesco).Should I be looking for proof that this debt has been re-assigned ?

I think the loan agreement would have made it clear that that TPF was a joint venture between Tesco and RBS. Whether the terms of the agreement render it unecessary for any re-assignment of the debt to be notified I am not sure. You would have to study your agreement carefully to see whether this is another avenue that could be probed.

My understanding of how they operated, was that RBS carried out most of the administration, closely watched by Tesco. I would think RBS have always kept the paperwork.

Huckster