The creditor
The creditor is an individual or a company owed money by a client under the terms and conditions agreed when the credit was provided. A collection agency working on behalf of a creditor is not the ‘owner’ of the debt.
In some cases, creditors sell debts to collection agencies. This makes the collection agency the owner of the debt and a party to the DPP. The creditor must make clear to whom the DAS payments are to be made if not directly to themselves.