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    • CK1223
    • By CK1223 15th Nov 17, 2:17 PM
    • 438 Posts
    • 8,902 Thanks
    CK1223
    Hi everyone

    Does anyone know the current waiting times for Stepchange? I submitted my documents to them on the 31st of October and haven't heard anything back from them yet.

    I'm just getting a bit worried now as I've had a letter from one of my credit card companies today stating that they're removing my promotional rate which will mean an extra £75 a month interest. With a £38 a month deficit each month already I'm starting to panic 😔

    Thank you
    • Amy13
    • By Amy13 15th Nov 17, 9:32 PM
    • 36 Posts
    • 13 Thanks
    Amy13
    Hi everyone

    Does anyone know the current waiting times for Stepchange? I submitted my documents to them on the 31st of October and haven't heard anything back from them yet.

    I'm just getting a bit worried now as I've had a letter from one of my credit card companies today stating that they're removing my promotional rate which will mean an extra £75 a month interest. With a £38 a month deficit each month already I'm starting to panic ��

    Thank you
    Originally posted by CK1223
    Here's my recent timeline -

    3rd October - Step Change received my paperwork
    13th October - I phoned Step Change for update and had telephone interview
    1st November - Step Change phoned me to discuss draft application
    3rd November - I received draft application and barcode
    6th November - I paid barcode
    7th November - I phoned Step Change to confirm I had paid barcode and gave my up to date balances and discussed the final application. Application was submitted to Insolvency Service.
    9th November - DRO was accepted
    10th November - My details now on the Insolvency Register
    11th November - Received DRO paperwork from the Insolvency Service
    • sourcrates
    • By sourcrates 15th Nov 17, 10:19 PM
    • 12,670 Posts
    • 12,004 Thanks
    sourcrates
    Running st around a months waiting time @t the moment.

    Just have to be patient.

    Debt collection can take years, remember nothing happens quickly, no need to panic.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Legal advice see : http://legalbeagles.info/
    • Woody667
    • By Woody667 18th Nov 17, 11:37 AM
    • 14 Posts
    • 0 Thanks
    Woody667
    Hi
    Can I move and stay abroad while DRO is already granted for 8 months..

    Or can I go for like 3 months holiday without letting OR know?

    Thanks
    • fatbelly
    • By fatbelly 18th Nov 17, 1:09 PM
    • 11,642 Posts
    • 8,774 Thanks
    fatbelly
    Hi
    Can I move and stay abroad while DRO is already granted for 8 months..

    Or can I go for like 3 months holiday without letting OR know?

    Thanks
    Originally posted by Woody667
    As long as that's not a permanent move, and you have some way of accessing a letter should they send one, I wouldn't think they need to know.

    If you are giving uo your UK address then they need a new one for you.
    • Woody667
    • By Woody667 18th Nov 17, 1:46 PM
    • 14 Posts
    • 0 Thanks
    Woody667
    Thanks Fatbelly
    Very helpfull info..

    What about if I'll stay in other country for like 6 months...?
    As im in DRO for 8 months, and it will end as I'm away ...?

    So, before I leave UK, should I just let OR know that I'll change a correspondence address?
    • sourcrates
    • By sourcrates 18th Nov 17, 2:11 PM
    • 12,670 Posts
    • 12,004 Thanks
    sourcrates
    Thanks Fatbelly
    Very helpfull info..

    What about if I'll stay in other country for like 6 months...?
    As im in DRO for 8 months, and it will end as I'm away ...?

    So, before I leave UK, should I just let OR know that I'll change a correspondence address?
    Originally posted by Woody667
    There are no restrictions on your movements at all, unless you move abroad permanently.

    You don't need to tell them anything, and its unlikely they will write to you again, just get your post re-directed, simple.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Legal advice see : http://legalbeagles.info/
    • Woody667
    • By Woody667 19th Nov 17, 11:34 PM
    • 14 Posts
    • 0 Thanks
    Woody667
    What about if this will be a permanent move abroad? 4 month before DRO ends.. without taking any jobs in other country...?
    As I need look after a family member, so is not gonna be a payable job.. volunteer in other words

    Will I still have to know OR...?
    Or if I'm not going to be employed, shouldn't say anything..
    Thanks
    • fatbelly
    • By fatbelly 20th Nov 17, 6:56 AM
    • 11,642 Posts
    • 8,774 Thanks
    fatbelly
    What about if this will be a permanent move abroad? 4 month before DRO ends.. without taking any jobs in other country...?
    As I need look after a family member, so is not gonna be a payable job.. volunteer in other words

    Will I still have to know OR...?
    Or if I'm not going to be employed, shouldn't say anything..
    Thanks
    Originally posted by Woody667
    Yes, tell them. They need your address in case they have to write. It's not that they will revoke it if you don't but you have a duty to be honest with them during the moratorium period, and why would you not want to be? If you're no longer at the old address then tell them your new address.
    Last edited by fatbelly; 22-11-2017 at 11:04 PM.
    • Woody667
    • By Woody667 20th Nov 17, 8:59 AM
    • 14 Posts
    • 0 Thanks
    Woody667
    Ok, so I understand that if I dont tell them about my move, they will cancel it or revoke it(DRO)straight away...? Even if I'll get my post redirected?, or they will give a notice for me to explain this situation?
    Thanks
    • CK1223
    • By CK1223 30th Nov 17, 1:24 PM
    • 438 Posts
    • 8,902 Thanks
    CK1223
    Here's my recent timeline -

    3rd October - Step Change received my paperwork
    13th October - I phoned Step Change for update and had telephone interview
    1st November - Step Change phoned me to discuss draft application
    3rd November - I received draft application and barcode
    6th November - I paid barcode
    7th November - I phoned Step Change to confirm I had paid barcode and gave my up to date balances and discussed the final application. Application was submitted to Insolvency Service.
    9th November - DRO was accepted
    10th November - My details now on the Insolvency Register
    11th November - Received DRO paperwork from the Insolvency Service
    Originally posted by Amy13
    Thank you for getting back to me Amy. It seems that the waiting times have increased majorly since you put in your application :-( I have just rang Stepchange as it's been a month since I put my application in. They've told me that someone has now looked at my application but it will be a further four weeks until the draft application is written up. I guess it's just a waiting game now.
    • sourcrates
    • By sourcrates 1st Dec 17, 4:53 PM
    • 12,670 Posts
    • 12,004 Thanks
    sourcrates
    Ok, so I understand that if I dont tell them about my move, they will cancel it or revoke it(DRO)straight away...? Even if I'll get my post redirected?, or they will give a notice for me to explain this situation?
    Thanks
    Originally posted by Woody667
    No that's not correct, please calm down and listen, if you are moving, you simply call or write to the Insolvency Service and inform them of your new address.

    Moving house is not a valid reason to revoke a DRO, why would you think it was ?

    Usually once a DRO is granted, thats the last contact you will have from the IS, they dont contact you again normally.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Legal advice see : http://legalbeagles.info/
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