Debt Relief Orders (DRO) - Information & help thread

debt_doctor

mumof1and1ontheway wrote: »

Another quickie... does that mean with me going for a DRO that I am to totally rule out living with a partner? As atm I am on income support but if I were to live with a partner I am guessing he would have more than £50 and so would I because he would be helping with the bills?

Hi,

I'm assuming that if you moved in with a partner that you would have no income as your income support would stop.

The £50 surplus can only be derived from your income, not a partners. If you have no income then the partners income is irrelevant, you could never have a £50 pm surplus.

This is confirmed by Citizens Advice specialist support.

DD

want2bfree84

Hi there

I am just wondering...i honestly have no idea where my pension is (stupid as it sounds) but I think it is about £340 value (my work place has closed down and I have no paperwork or anything:o)

If I apply for a DRO, would this be a massive no? I mean, if I don't know where my pension is, how would they find it and also, if the rules are going to change, then would this be ok?

I am tempted to go ahead with it and end my misery

I owe about £7k

Sorry i think my above post was misunderstood

Basically, I cannot track my pension down anywhere, but i do remember it was about £340 but where I worked went bust and I have no idea where my pension was put

So I am saying, shall I just apply for a DRO and do mention my pension? I honestly can't find it for want of trying, so how on earth could the DRO people find it?

debt_doctor

Hi you could (and they do) use the pension tracing service.............

http://www.direct.gov.uk/en/Pensionsandretirementplanning/PlanningForRetirement/AboutToRetire/DG_10027189

DD

Smart_Mart

I have a day to myself today and was considering sending a letter to all my creditors advising them I've sent my paperwork off to be considered for a DRO. Most of my creditors have backed off, it seems, but the two council tax debts (currently with bailiffs) are pressurising me and I'm surprised I've not heard anything from one of them.

Do you think that would be a good idea or is it like poking a wasps nest and the letter would only annoy them?

My letter only went off last week so it might be 7/8 weeks before anything else happens...:(

faith1706

I am currently looking for some advice from somone who has done a DRO. I went to my local CAB today but they were only seeing people who have booked an appointment. I am looking in to getting a DRO as my debts are under £15000 but i am due to go maternity leave soon & i know i will really struggle

many thanks

hayley11

Hi

Was wondering if somebody could give some quick advice, I was granted a DRO last September and up until now haven't heard anything from any creditors, however one has just rung me and states that they know nothing about the DRO and are going to continue chasing me for full payment.

Who do I contact to get them to send proof of my DRO? Or should I just send them a copy of the letter I got confirming the DRO?

Thanks

elfieb

hayley11 wrote: »

Hi

Was wondering if somebody could give some quick advice, I was granted a DRO last September and up until now haven't heard anything from any creditors, however one has just rung me and states that they know nothing about the DRO and are going to continue chasing me for full payment.

Who do I contact to get them to send proof of my DRO? Or should I just send them a copy of the letter I got confirming the DRO?

Thanks

I would get in touch with the Insolvency Service....no doubt they will have a stern word with the creditor in question....:)

immoral_angeluk

hayley11 wrote: »

Hi

Was wondering if somebody could give some quick advice, I was granted a DRO last September and up until now haven't heard anything from any creditors, however one has just rung me and states that they know nothing about the DRO and are going to continue chasing me for full payment.

Who do I contact to get them to send proof of my DRO? Or should I just send them a copy of the letter I got confirming the DRO?

Thanks

Were they definitely included in the DRO? Send them a copy of your DRO and that's all you need to do. sometimes the insolvency service take their time contacting the creditors..

immoral_angeluk

faith1706 wrote: »

I am currently looking for some advice from somone who has done a DRO. I went to my local CAB today but they were only seeing people who have booked an appointment. I am looking in to getting a DRO as my debts are under £15000 but i am due to go maternity leave soon & i know i will really struggle

many thanks

Why not book an appointment then? They're the best people to speak to really and will be able to go through absolutely everything with you and make sure a DRO is approriate, while giving you all of your options.

immoral_angeluk

Smart_Mart wrote: »

I have a day to myself today and was considering sending a letter to all my creditors advising them I've sent my paperwork off to be considered for a DRO. Most of my creditors have backed off, it seems, but the two council tax debts (currently with bailiffs) are pressurising me and I'm surprised I've not heard anything from one of them.

Do you think that would be a good idea or is it like poking a wasps nest and the letter would only annoy them?

My letter only went off last week so it might be 7/8 weeks before anything else happens...:(

If they're with bailiffs you need to come to some arrangement with them to hold off action, even if this is making payments until such time as it's been decided if you're eligible.
Have they gained access to your property and listed goods?