Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • Pinkwhisk
    • By Pinkwhisk 22nd Jun 17, 10:30 PM
    • 187Posts
    • 454Thanks
    Pinkwhisk
    DRO to freedom
    • #1
    • 22nd Jun 17, 10:30 PM
    DRO to freedom 22nd Jun 17 at 10:30 PM
    So, I'm starting this diary to keep a tab on my DRO. We just need to pay the fee and wait for approval. We are paying on Wednesday.

    On another note we are homeless right now, and struggling to find somewhere to live.

    The only good thing is our son is so little he won't remember this time!

    He's our motivation to get ourselves sorted out.

    PW x
Page 2
    • fatbelly
    • By fatbelly 6th Jul 17, 10:26 PM
    • 11,218 Posts
    • 8,386 Thanks
    fatbelly
    I would expect you to be on the insolvency register by now, even if you haven't had your confirmation through the post. Have you checked?

    https://www.insolvencydirect.bis.gov.uk/eiir/
    • debrag
    • By debrag 7th Jul 17, 10:06 AM
    • 3,377 Posts
    • 1,700 Thanks
    debrag
    Having a DRO is such a relief. It helped my so much
    • Pinkwhisk
    • By Pinkwhisk 7th Jul 17, 11:45 AM
    • 187 Posts
    • 454 Thanks
    Pinkwhisk
    Thank you fat belly I didn't know you could check! Yes myself and my partner are on there, woohoo! Thank you for pointing that out for me.

    Debrag, yes I feel so much better already its really helping with my anxiety and depression.

    PW x
    DRO submitted: 30/6/17
    DRO accepted: 4/7/17
    Week : 3/52
    Joint debt (30/6/17) = £17686
    • Pinkwhisk
    • By Pinkwhisk 7th Jul 17, 1:16 PM
    • 187 Posts
    • 454 Thanks
    Pinkwhisk
    So, I'm going to be starting a college course in September. I will need a car at the end of the 2 years to be self employed.

    I'm debating how best to save for it and how much to aim for?! I shall have a think.

    I would also love to book a holiday for my oh 30th in 2019 but I shall speak to him once we are in the flat in regards to more children first!
    PW x
    DRO submitted: 30/6/17
    DRO accepted: 4/7/17
    Week : 3/52
    Joint debt (30/6/17) = £17686
    • Pinkwhisk
    • By Pinkwhisk 8th Jul 17, 1:33 PM
    • 187 Posts
    • 454 Thanks
    Pinkwhisk
    So in regards to a car and savings I am going to wait until September as we will of been in the flat a month then so we will know what our bills are and can start saving from then.

    We need £1000 first as an emergency fund then move onto car savings!

    PW
    DRO submitted: 30/6/17
    DRO accepted: 4/7/17
    Week : 3/52
    Joint debt (30/6/17) = £17686
    • UncannyScot
    • By UncannyScot 8th Jul 17, 1:41 PM
    • 588 Posts
    • 2,609 Thanks
    UncannyScot
    Hi
    I take it you have now secured accommodation? If so that is great and you can as you have said focus on savings etc once you know your outgoings.
    So happy for you and yours... keep on keeping on, you are doing great
    BUGGRITMILLENIUMHANDANDSHRIMP I TOLD EM! - Foul Ole Ron
    It is important that we know where we come from, because if you do not know where you come from, then you do not know where you are, and if you don't know where you are, then you don't know where you are going. If you don't know where you're going, you're probably going wrong.
    R.I.P. T.P.
    • indigowarrior
    • By indigowarrior 8th Jul 17, 1:48 PM
    • 274 Posts
    • 1,974 Thanks
    indigowarrior
    Good luck on your journey PinkWhisk.
    #545- SPC
    Homeowner by 40
    August Nsd 1/15
    • Pinkwhisk
    • By Pinkwhisk 8th Jul 17, 3:31 PM
    • 187 Posts
    • 454 Thanks
    Pinkwhisk
    Hi Uncanny Scot,

    Yes we do! No move in date yet but it'll be end of July/beginning of August. :-D.


    Thank you indigoworrier :-)

    I've just done the budget buster and we balance! Woo! I've over estimated our bills too as the last 2 places we've owed electric/gas and I'm determined not to be in that position!

    PW x
    DRO submitted: 30/6/17
    DRO accepted: 4/7/17
    Week : 3/52
    Joint debt (30/6/17) = £17686
    • Pinkwhisk
    • By Pinkwhisk 13th Jul 17, 8:12 PM
    • 187 Posts
    • 454 Thanks
    Pinkwhisk
    Soooo we haven't been able to retrieve our post yet but we can get it tomorrow so I'll FINALLY be able to update my signature and officially have an end date! Woo!!

    PW x
    DRO submitted: 30/6/17
    DRO accepted: 4/7/17
    Week : 3/52
    Joint debt (30/6/17) = £17686
    • Pinkwhisk
    • By Pinkwhisk 15th Jul 17, 8:57 PM
    • 187 Posts
    • 454 Thanks
    Pinkwhisk
    Look at my new signature!!! We are a week down in DRO.

    I actually feel so positive and thankful my debt is over - dealing with it has been a terrible hard anxiety - depression battle!

    The end is in sight!

    PW x
    DRO submitted: 30/6/17
    DRO accepted: 4/7/17
    Week : 3/52
    Joint debt (30/6/17) = £17686
    • Pinkwhisk
    • By Pinkwhisk 18th Jul 17, 3:38 PM
    • 187 Posts
    • 454 Thanks
    Pinkwhisk
    So, 2 weeks in. I think we would notice a bigger change if we were at home as all the letters and phone calls to our landline would be slowly stopping. Being as we aren't at home, we just feel relief knowing we can move into pur new flat with out being scared that debt collectors will find us and start harassing us.

    Feeling slightly nervous about tomorrow but over all positive and looking forward to my interview.

    PW x
    DRO submitted: 30/6/17
    DRO accepted: 4/7/17
    Week : 3/52
    Joint debt (30/6/17) = £17686
    • Pinkwhisk
    • By Pinkwhisk 28th Jul 17, 8:59 PM
    • 187 Posts
    • 454 Thanks
    Pinkwhisk
    Second week down! And also 1st week of new job down!

    Feeling like life's coming together, just need to move to flat now then I'll be 100% happy!

    PW x
    DRO submitted: 30/6/17
    DRO accepted: 4/7/17
    Week : 3/52
    Joint debt (30/6/17) = £17686
    • Lucylocks
    • By Lucylocks 28th Jul 17, 9:19 PM
    • 92 Posts
    • 206 Thanks
    Lucylocks
    Congratulations on the new job and new home. All sounds massively more positive for you
    LBM 28/3/17 £24,971 28/6/17 £14,376 42% paid
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

626Posts Today

5,929Users online

Martin's Twitter