Thanks for your advice. I will follow these steps : - get balances from all creditors - request in writing that I'm to manage my own plan, so to request sort & account n.o's. from creditors -call dmp company and cancel there services All the above in transition, is this correct? If so my only question will be can I pay the creditors the same amount or more because the dmp company no longer exist for that fee I used typo pay? Do I do this in writhing with the creditors also when requesting the bank details for standing orders?

Also these creditors passed accounts onto debt collectors.they all defaulted me on my credit file.some are due too expire.do they come back on for another 6 years or do they disappear? What do the lenders see on there? Sorry haven't given you a chance to respond to my earlier message im so eager to learn my rights. Thanks

Ims, Thanks for replying.the other creditors are a loan with argos, credit card with capital & aqua.that's the four. When you say transaction history I'm looking for charges? Then totaling them, then multiplying the statutory 8% over the period from back then until now?

Hi, I currently have defaults on my credit file.some will be expiring soon.I currently have a dmc, which I'm wanting to cancel and pay my debt collectors direct so the fee can be spread out to them, reducing my debt quicker. 1, in regards to the defaults on credit file what happens too them once they expire, do they go back on for another 6 years or do they just come off, what does a lender see on the file? 2, how do I deal with my dmp, do I contact the debt collectors direct and advise that I'd like too pay them more by cutting the middle man the dmc and then ring the dmc & cancel there services, will not allow this?.iv been using them for 2 years, which is quite a bit of money I could have paid this sum to the debt collectors & made greater reductions. Please help me to understand these queries better. Thanks

Dx, I have my 4 oc's, I'm going to prepare the sar's.just wanted to know on receiving them what am I looking for? Also do I need to request the sar's from the banks data controller, this is something I can google to obtain.I was trying to understand this from my previous message to you. Thanks

stevie, Thank you for you response, I'm even more encouraged to get to the bottom of this.

The following on the sar template letter: ' Send this request including the £10 fee to the address which your bank has registered with the Data Protection Commissioner as the address of the Data Controller:-Information Commissioners - Data Protection Public Register (new address: Information Commissioners - Data Protection Public Register)' what does this mean? How do I obtain this information, do I need to call telephone numbers to ask for this information?

Dx, You have words of wisdom all this is very helpful and in very interesting I'm so glad that I have bumped into this forum its very well helpful. I have in the past ordered my credit file and noticed not only monument default but also another 4 creditors whom done the same.I have again ordered me credit file last week and expecting this back this week no doubt I will still see the defaults on there I understand they will stay there for a total of 6 years. I will find out the oc to all these original creditors and do a sar? As for the dmp do i contact all creditors and make the arrangements myself then cancel the dmc dealing with this? Thanks dx

Dx, You have words of wisdom all this is very helpful and in very interesting I'm so glad that I have bumped into this forum its very well helpful. I have in the past ordered my credit file and noticed not only monument default but also another 4 creditors whom done the same.I have again ordered me credit file last week and expecting this back this week no doubt I will still see the defaults on there I understand they will stay there for a total of 6 years. I will find out the oc to all these original creditors and do a sar? As for the dmp do i contact all creditors and make the arrangements myself then cancel the dmc dealing with this?

Sorry my messages are to dx

thanks tugela

Debt management plan ....got it I am paying over a years period of £ 360.that is a big saving to be made but when you are vulnerable at the time you do what's necessary iv paid them for two years now.I was going too ditch them for a free one but you hear the stories where the dpm don't pass on the money and you end up in a worst position then you started.

Sorry request the file is what I meant.....

Hi, Am I on the right thread now? What's dmp? Sorry to be so dense... Basically I had a monument card a few years back to which I no longer have any details to whatsoever not even an account number.I couldn't keep up with payments then they put a default on my credit file.the credit then was sold on to a debt company.I then found a debt management company who froze interest and take a monthly fee to pay the debt off on a monthly basis.that's the story so you know where I am with this, now I guess my question is how do I obtain my agreement as I understand I may have had ppi but was not aware as I would have used it at the time in order for me to check this I would have to request this failure if so how?

Tugela, Thank you for you're kind reply.will I not need any information about my account our the original agreement that I had, because the problem I face is I don't no longer have this information. If I don't need this information where do I find this form, sorry I'm not used to all this.