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DRO find out if it has finished

I had a DRO 2009/2010, is there a way to find out if it is complete?(i.e. not affecting my credit - mortgages etc)

I've searched here across all courts in England and Wales:
https://www.insolvencydirect.bis.gov.uk/eiir/

And I'm not listed

Many thanks

Comments

  • fermi
    fermi Posts: 40,546
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    edited 5 April 2015 at 3:13PM
    Unless revoked, which you would have been told about, it would have ended after a year and been removed from the register 3 months later.

    It will however still be on your credit report for 6 years and will affect credit applications and mortages.
    Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB

    IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed
  • fermi wrote: »
    Unless revoked, which you would have been told about, it would have ended after a year and been removed from the register 3 months later.

    It will however still be on your credit report for 6 years and will affect credit applications and motivates.

    Ah ok, in that case I will probably have to wait until early 2016

    thanks
  • fermi
    fermi Posts: 40,546
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    Well, 6 years from the DRO start anyway, which if 2009 would be some time this year.
    Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB

    IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed
  • fatbelly
    fatbelly Posts: 20,380
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    Have you checked your credit file? The exact date of the DRO should still show there.

    Incidentally I think it was six years ago today that DROs first started.

    As you can only have one per six years, I wonder when I will see the first person to have a second DRO?
  • ^^Wouldn't people learn their lesson, and where credit is quite severed (with joy imao) so I can't see how someone would need 2 dro's (touch wood)


    Afraid I've actually been called bankrupt now more times then someone saying "debt relief order" the stigma has gotten far worse - there are even some type of payday loan lenders who claim they will not lend to those bankrupt or in an IVA!
  • wba31
    wba31 Posts: 2,189 Forumite
    ^^Wouldn't people learn their lesson, and where credit is quite severed (with joy imao) so I can't see how someone would need 2 dro's (touch wood)


    Afraid I've actually been called bankrupt now more times then someone saying "debt relief order" the stigma has gotten far worse - there are even some type of payday loan lenders who claim they will not lend to those bankrupt or in an IVA!

    I've seen a number of clients come back wanting a second DRO, very few from 2009, most from more recent years
  • fatbelly
    fatbelly Posts: 20,380
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    I knew I'd seen this somewhere - just came across it from the DRO consultation document:
    Eighteen DROs have been rejected since the scheme’s inception either at
    application stage or through a subsequent revocation on the basis of the
    person having had a previous DRO.

    :eek:
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