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