What can I do about trying to claim back any money from a debt management company who have had £915.00 from me since October & have only paid my debts £145,

is there any hope at all?

All advice greatly appreciated.

Thank you

Hi

Firstly, name and shame then check the terms and conditions of the DMP as some use the first few payments as their fee.

Then LEAVE and go with a free one. Getting your money back though may be harder

Thanks for your reply, it's DEBT CORRECT LTD, how do I name & shame?

Their fees were supposed to be the 1st two payments of £152.40 & then £30 a month (I have paperwork sent from them dated 5/8/13 stating monthly fees as £30)

the rest should have gone on my debts but they've only paid them a total of confirmed £145.

I have no idea what they have done with the rest of the money

I have cancelled 8/8/13 & have heard nothing from them.

how do I name & shame?

you just have.

You have a right to a statement of account showing what has been paid and when then you will need to read the terms again to make sure that is what they have done (unlikely)

I will have a look at their site

Having looked at the charges (17.5% or £30 whichever is the greater) your figure looks odd

Can you say what the monthly payment you made was

I have received a printout from them dated 5/8/13 with a breakdown of the money,

but it's wrong as I know for a fact 1 is completely made up

as the amount they claim they are paying which takes up 58%

they haven't even printed the right info on their form,

after speaking to this company they have only received £3.00 since last Oct.

Debt Correct have had £152.40 the 1st of every month.

I will get in touch with them again asking for my right to a statement of account showing what has been paid and when,

thank you for your help.

I can't find their consumer credit licence number on their website.

When you next contact them please ensure that you request a copy of their formal complaints procedure.

I can't find their consumer credit licence number on their website.

 

When you next contact them please ensure that you request a copy of their formal complaints procedure.

I noticed that too. When you (eventually) find their companies house registration number and then transpose it to the CCA search page oft the OFT, nothing shows but by doing a postcode search brings up this:

0620875 Licence Status:Current

Cheers Mr.

http://www.consumeractiongroup.co.uk/forum/showthread.php?469861-Court-claim-form-from-PRA-GROUP-(UK-)LIMITED

lets get you some money back

have you still got this paperwork?

can you get an SAR running to them if they still exist?

Still have all paperwork yes, I can certainly try. Thankyou for helping me

I also had trouble with First Step Finance,

when I divorced my ex they had all my debt info

but they refused to give me anything back,

all they wanted to know was if I would be staying with them,

when told no, they ended the call & ignored my contact.

Could I send them a SAR to get everything they have of mine too?

Is that the way it works?

I wanted my letters etc.. so I could sort my debt myself & was keeping distance from everything that included the ex.

It was all under his name though & I had hell trying to get someone to talk to me as they has all my info too

yes you can sar both of them.

what do you mean it was all under his name?

the debts

or the use of the DMC's?

First step finance was all under his name, but took on my debts too as I lived there. I didn't agree to this though, ex just told me one day when I got home from work, he'd swapped our dmc & we were with that company now instead. They don't manage your payments, they stop all payments & apparently work to get them written off instead. I had no choice in the matter.

Truth of it is though they aren't written off at all, they just purely stop the company contacting you, debt still stands & is on your credit file. They even charge you for doing it on top of their monthly payments. They charged £25 for writing one off, but its still on my file, so paying for nothing really.

Once divorced I googled them & got in touch asking for my information back as every time letters were received they'd been sent to them to deal with. As posted above, they weren't interested. Why they kept my details I can only guess.