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
    • 186Posts
    • 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
    • 10,959 Posts
    • 8,161 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
    • 3,376 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
    • 186 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 : 2/52
    Joint debt (30/6/17) = £17686
    • Pinkwhisk
    • By Pinkwhisk 7th Jul 17, 1:16 PM
    • 186 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 : 2/52
    Joint debt (30/6/17) = £17686
    • Pinkwhisk
    • By Pinkwhisk 8th Jul 17, 1:33 PM
    • 186 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 : 2/52
    Joint debt (30/6/17) = £17686
    • UncannyScot
    • By UncannyScot 8th Jul 17, 1:41 PM
    • 398 Posts
    • 1,501 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
    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
    • 267 Posts
    • 1,951 Thanks
    indigowarrior
    Good luck on your journey PinkWhisk.
    #545- SPC
    Homeowner by 40
    July NSDs 5/15
    • Pinkwhisk
    • By Pinkwhisk 8th Jul 17, 3:31 PM
    • 186 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 : 2/52
    Joint debt (30/6/17) = £17686
    • Pinkwhisk
    • By Pinkwhisk 13th Jul 17, 8:12 PM
    • 186 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 : 2/52
    Joint debt (30/6/17) = £17686
    • Pinkwhisk
    • By Pinkwhisk 15th Jul 17, 8:57 PM
    • 186 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 : 2/52
    Joint debt (30/6/17) = £17686
    • Pinkwhisk
    • By Pinkwhisk 18th Jul 17, 3:38 PM
    • 186 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 : 2/52
    Joint debt (30/6/17) = £17686
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

4,956Posts Today

9,061Users online

Martin's Twitter
  • Byebye! I'm about to stop work & twitter, to instead spend glorious time with Mrs & mini MSE. Wishing u a lovely summer. See u in 10 days.

  • WARNING Did you start Uni in or after 2012? The interest's rising to 6.1%; yet it doesnt work like you think. See https://t.co/IQ8f0Vyetu RT

  • RT @JanaBeee: @MartinSLewis Boris is the anomaly (coffee), the others are versions of normal (beer). Lots of same candidates = vote share d?

  • Follow Martin