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Debt Management Question

Hi hope someone can help me with a quick question. I have just severed all ties with the debt management company i have been with for over a year .... long story but after checking figures etc discovered i was actually worse off than when i had started plan and after coming on this site realised that they were ripping me off by taking a monthly fee. since then i have contacted all my creditors directly and have an agreed payment plan with them all (something the Debt Management company also failed to do!!) Anyway the question is i have written a quite strongly worded letter to said company but in this letter I have requested that they forward me a copy of my file with them. i have ended the letter saying that if i do not receive it within 14 days i will take it further so... could someone tell me am entitled to the file (i'm sure I am DPA and all that!!)? and where do I take it further to if they do not send it to me???
Thanks for any advise I may receive.

Comments

  • Hi Carly

    Check the information commissioners website for info that will help with sections etc of the DPA to include

    www.informationcommissioner.co.uk

    search under subject access request
    £34,547 (Dec 07); Current debt: £zilch (Debt free December 2010)
    Sealed Pot #389 (2010=£133)
  • elaina79
    elaina79 Posts: 953 Forumite
    Hi

    I haven't had any personal experience with debt management companies myself but I have heard alot of stories where they were charging a monthly fee, but not actually contacting any creditors. You have a right to have a copy of all the files that they hold on you, but i'm not sure of the time limit on it. I always thought it was within 20 working days but I may be wrong.
    Hopefully someone should be along soon to advise.
    I used to suffer from lack of motivation.... now I just can't be arsed.

    Official DFW Nerd Club - Member no. 1141 - Proud to be dealing with my debts :cool:
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