Desperate for some advice pleaseeee... I'm at my wits ends.

I am in my second dmp since 2013 and was previously in one for 9 years.

I requested a SAR to freeman jones,

however cannot see whether they have bought the debt from creditors.

And cannot see how much of the few hundred I pay a month actually pays for debt to the creditor...

I finally have gained the courage to stand up for my rights.

And My desperate questions are I know of someone who wrote to all her creditors and asked for the cca,

most not being able to provide and they couldn't pursue the debt.

1: shouldn't the IVA company have copies of all credit agreements signed by me before they sacred on their behalf

2: shouldn't the IVA company provide me with the copies?

3: shouldn't they state in the SAR how much is being paid to the creditor?

4: can I leave the Iva and write to the creditors asking for the original agreements?

5: if they cannot provide a copy of the ca signed by me, am I able to claim monies back I have paid to the dumps over the last 15 years?

Anyone who can help, I would be so so grateful.

Leelee84

Desperate for some advice pleaseeee... I'm at my wits ends.

 

I am in my second dmp since 2013 and was previously in one for 9 years.

 

I requested a SAR to freeman jones,

however cannot see whether they have bought the debt from creditors.

And cannot see how much of the few hundred I pay a month actually pays for debt to the creditor...

 

I finally have gained the courage to stand up for my rights.

And My desperate questions are I know of someone who wrote to all her creditors and asked for the cca,

most not being able to provide and they couldn't pursue the debt.

 

1: shouldn't the IVA company have copies of all credit agreements signed by me before they sacred on their behalf - nope

 

2: shouldn't the IVA company provide me with the copies? nope

 

3: shouldn't they state in the SAR how much is being paid to the creditor? yes

 

4: can I leave the Iva and write to the creditors asking for the original agreements? yes

 

5: if they cannot provide a copy of the ca signed by me, am I able to claim monies back I have paid to the dumps over the last 15 years? nope

 

Anyone who can help, I would be so so grateful.

 

Leelee84

cash cowed twice

dx

Thank You for replying.

If the old creditors can provide a copy of the original signed CCA, would they accept a payment plan from me personally rather than paying a DMc to do it for me?

Thanks so so much

Leelee

there is no legal remit that says you must use any DMC.