Debt Management Question

Carly123_2

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.

poorandindenial

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

elaina79

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.