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  • FIRST POST
    • Jr14
    • By Jr14 4th Oct 17, 10:24 PM
    • 52Posts
    • 2Thanks
    Jr14
    Waiting for DRO
    • #1
    • 4th Oct 17, 10:24 PM
    Waiting for DRO 4th Oct 17 at 10:24 PM
    Hi - does anyone know how long it will take for credit companies to issue a ccj ot bailiffs please?
    I am currently applying for a DRO and have been told it will take about 12 weeks to go through - they have stated as well that in that timeframe creditors could take me to court etc?
    Many thanks in advance
Page 1
    • Jr14
    • By Jr14 4th Oct 17, 10:33 PM
    • 52 Posts
    • 2 Thanks
    Jr14
    • #2
    • 4th Oct 17, 10:33 PM
    • #2
    • 4th Oct 17, 10:33 PM
    And also if it takes 12 weeks to process I am going to incur a lot of non payment fees - which I have obviously not included in my balance as it stands now - does anyone know how this works?
    • Amy13
    • By Amy13 4th Oct 17, 11:08 PM
    • 33 Posts
    • 11 Thanks
    Amy13
    • #3
    • 4th Oct 17, 11:08 PM
    • #3
    • 4th Oct 17, 11:08 PM
    Hi, I am applying for a DRO at the moment and also am very anxious about the application. Who are you applying with? I'm doing mine with Step Change, sent all the info they needed (wage slips, agreement, and check list) last Friday. Took over 2 weeks just to receive the application pack in the post and then I was waiting to get something removed from my credit report. I hope it's going to be a quick process.
    • Jr14
    • By Jr14 5th Oct 17, 7:17 AM
    • 52 Posts
    • 2 Thanks
    Jr14
    • #4
    • 5th Oct 17, 7:17 AM
    • #4
    • 5th Oct 17, 7:17 AM
    It's so nerve wracking isn't it!!
    Have you been getting any phone calls etc yet?

    I originally started my application with cab but after they informed me it could take 12 weeks I have also just sent the info back to stepchange so I'm going to see which is the quickest - I have a barcode for cab but I'm not going to pay it just yet if stepchange is quixkeat! Have they told you a rough timescale at all?

    Hope you hear back soon also too 🙏🏼
    • Amy13
    • By Amy13 5th Oct 17, 8:08 AM
    • 33 Posts
    • 11 Thanks
    Amy13
    • #5
    • 5th Oct 17, 8:08 AM
    • #5
    • 5th Oct 17, 8:08 AM
    I'm going to phone them later to find out how long it's going to take. I have no late payments as yet but that's going to change next week. I've read that before your application is submitted to the Insolvency Service you are asked for updated balances on your accounts. I'm trying not to worry too much, I've got plenty of distractions. The worst thing is not knowing what's happening and feeling like you are on your own.
    • Amy13
    • By Amy13 5th Oct 17, 12:13 PM
    • 33 Posts
    • 11 Thanks
    Amy13
    • #6
    • 5th Oct 17, 12:13 PM
    • #6
    • 5th Oct 17, 12:13 PM
    I spoke to Step Change and they confirmed they have received my paperwork and it will take a week to check the paperwork, 4 weeks to draft the application and then they will send me the barcode and when I've paid they can submit the application in around 6 weeks.
  • National Debtline
    • #7
    • 5th Oct 17, 1:17 PM
    • #7
    • 5th Oct 17, 1:17 PM
    Hi Jr14 and Amy13

    First of all don’t panic, you’re not alone. You can always ask questions on the forum or from one of the free debt advice agencies. For specific queries about your application contact Stepchange who will be happy to help you.

    As mentioned above, you will be asked to get final balances on your debts just before they are submitted to the Insolvency Service. That means you won’t be held liable for any extra charges incurred during the application process.

    With regards to action that might be taken in the meantime, your credit debts will have limited powers. Even if court action is taken (and it may well not be) you don’t have to attend court. You’ll fill in a form and make an offer you can afford. As long as you pay the amount the court has agreed to your creditors can’t take further action, and once the DRO is made the CCJ will be included. I hope this has put your minds a bit more at ease.

    Susie
    @natdebtline
    We work as money advisers for National Debtline and have specific permission from MSE to post to try to help those in debt. Read more information on National Debtline in MSE's Debt Problems: What to do and where to get help guide. If you find you're struggling with debt and need further help try our online advice tool My Money Steps
    • Jr14
    • By Jr14 5th Oct 17, 5:03 PM
    • 52 Posts
    • 2 Thanks
    Jr14
    • #8
    • 5th Oct 17, 5:03 PM
    • #8
    • 5th Oct 17, 5:03 PM
    6 weeks isn't as bad as 12 then

    Still seems like a lifetime at the moment though I'm already getting so many letters etc 😫

    Ah okay thanks susie that makes sense re balances! Hopefully everything will be straightforward and go through quickly!

    X
    • Jr14
    • By Jr14 5th Oct 17, 5:05 PM
    • 52 Posts
    • 2 Thanks
    Jr14
    • #9
    • 5th Oct 17, 5:05 PM
    • #9
    • 5th Oct 17, 5:05 PM
    Or does that mean 6 weeks after you've paid? Xx
    • Amy13
    • By Amy13 5th Oct 17, 5:10 PM
    • 33 Posts
    • 11 Thanks
    Amy13
    No, 6 weeks from them receiving paperwork.
    • Jr14
    • By Jr14 5th Oct 17, 5:12 PM
    • 52 Posts
    • 2 Thanks
    Jr14
    Great thank you hopefully we'll hear back soon x
    • Amy13
    • By Amy13 3rd Nov 17, 9:45 PM
    • 33 Posts
    • 11 Thanks
    Amy13
    Hey! Have you heard back from Step Change yet? How are things going?

    I have received my draft application from SC today, along with the barcode. Going to pay on Monday and then give SC updated balances. x
    • Pickles02
    • By Pickles02 4th Nov 17, 8:52 PM
    • 10 Posts
    • 0 Thanks
    Pickles02
    Hi Amy13,

    How long did it take to receive your bar code, 4 or 6 weeks? I've tried working it out from your replies but unsure. I'm deserate for mine to arrive. ��
    • Amy13
    • By Amy13 4th Nov 17, 10:28 PM
    • 33 Posts
    • 11 Thanks
    Amy13
    They received my paperwork on the 3rd October and the barcode came yesterday, 3rd November.
    They didn't even check the paperwork until 17th October as I was phoning them for updates 1-2 times a week. They then said my Noddle report was missing which I was annoyed at as it wasn't in the checklist so didn't know I had to send it to them which I could have easily done so with the initial paperwork. I emailed it to them that day and I phoned back to make sure they had the report and they said yes but I would have to go to the back of another 2 week wait for paperwork to be checked so I put in a complaint.
    Moral of the story, keep phoning them for updates!
    • Pickles02
    • By Pickles02 4th Nov 17, 11:07 PM
    • 10 Posts
    • 0 Thanks
    Pickles02
    Thanks for replying. I emailed over my application on 12th Oct and received a letter from them stating the DRO team received my application on 16th Oct. I called Step change on 30th for an update, they went over my SOA again and asked for information I've already provided. I.e. reference numbers, car reg etc. So I'm panicking slighly, although they've said I should receive the draft and barcode in the next 3 to 4 weeks.

    I'll give them a ring at the end of this coming week. Thanks for the heads up!
    • Jr14
    • By Jr14 5th Nov 17, 9:42 PM
    • 52 Posts
    • 2 Thanks
    Jr14
    Not heard back yet but there was a delay as they got confused with my wages (dropped my hours therefore had a change in salary etc). But they sent me a letter rather than ringing. They said I’d hear in 2-3 weeks and think this was about 2 weeks ago so hopefully I will get it through soon! Glad yours has come through keep us updated xx
    • Jr14
    • By Jr14 5th Nov 17, 9:42 PM
    • 52 Posts
    • 2 Thanks
    Jr14
    I’m getting so many calls and emails I’m starting to worry a bit ... a lot ��
    • fatbelly
    • By fatbelly 5th Nov 17, 10:20 PM
    • 11,532 Posts
    • 8,666 Thanks
    fatbelly
    I’m getting so many calls and emails I’m starting to worry a bit ... a lot ��
    Originally posted by Jr14
    What are you actually worried about? They can't do anything.

    Ignore the calls, file the letters - these are non-priority creditors who will soon be nullified by he DRO.
    • Amy13
    • By Amy13 7th Nov 17, 6:58 PM
    • 33 Posts
    • 11 Thanks
    Amy13
    I've paid the barcode and DRO has been submitted.

    Just hoping it will be accepted, feeling nervous!
    • Jr14
    • By Jr14 8th Nov 17, 10:20 PM
    • 52 Posts
    • 2 Thanks
    Jr14
    I overthink far too much 🙈
    Will call stepchange tomorrow I think and see how long my waiting time will be!
    Thanks
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