Debt Relief Orders (DRO) - Information & help thread

Orville

fatbelly wrote: »

Intermediaries can get a free report from Experian. Are they asking you to return it to CCCS?

Hi Fat.

Yes CCCS want me to send the Credit Report to them when i receive it back.

Orville

Just a quick update i went back to my flat to post the form and in RED faded lettering on the background of the form it says free copy. I have now sent mine without the payment.

bobbieg

Just to confirm that applying for your credit report using CCCS form makes it free, i recieved mine a while ago.
I am currently on the brink of paying my £90 fee and submitting the application, just some questions i wanted answered if anyone can help.
- i have included some of my utility bills in the DRO, What happens if the DRO is granted would they then just issue new bills starting from scratch and i would need to pay them as normal? IS it possible for any of my utility providers to insist i go on a meter after a DRO as i really wouldnt want to?
Thanks

Orville

bobbieg wrote: »

Just to confirm that applying for your credit report using CCCS form makes it free, i recieved mine a while ago.
I am currently on the brink of paying my £90 fee and submitting the application, just some questions i wanted answered if anyone can help.
- i have included some of my utility bills in the DRO, What happens if the DRO is granted would they then just issue new bills starting from scratch and i would need to pay them as normal? IS it possible for any of my utility providers to insist i go on a meter after a DRO as i really wouldnt want to?
Thanks

Hi Bobbie.

Sorry i can't actually answer your question, but could i ask you how long it took for your credit report to come back...?

bobbieg

Cant remember exactly but would say it was definatley within 2 weeks. I was worried about not having put a fee in too!

SimIsOnTheUp

bobbieg wrote: »

Just to confirm that applying for your credit report using CCCS form makes it free, i recieved mine a while ago.
I am currently on the brink of paying my £90 fee and submitting the application, just some questions i wanted answered if anyone can help.
- i have included some of my utility bills in the DRO, What happens if the DRO is granted would they then just issue new bills starting from scratch and i would need to pay them as normal? IS it possible for any of my utility providers to insist i go on a meter after a DRO as i really wouldnt want to?
Thanks

Same question from me too please BobbieG and gang!

I am still in two minds, as to whether or not to go for a DRO.

My main concern being that I might have to go onto a Prepayment Meter for my Electric, which after last years bills I'd really rather avoid!

As I owe NPower £650, I'm assuming that after it's included in the DRO, they would insist that I was on a Prepay meter..

Any hard and fast rule Fatbelly and co?

Many Thanks,

Sim.

Orville

SimIsOnTheUp wrote: »

Same question from me too please BobbieG and gang!

I am still in two minds, as to whether or not to go for a DRO.

My main concern being that I might have to go onto a Prepayment Meter for my Electric, which after last years bills I'd really rather avoid!

As I owe NPower £650, I'm assuming that after it's included in the DRO, they would insist that I was on a Prepay meter..

Any hard and fast rule Fatbelly and co?

Many Thanks,

Sim.

Could you guys not change companies...?

SimIsOnTheUp

Orville wrote: »

Could you guys not change companies...?

Fair point.

However, surely the Electric company would credit check me (after the DRO has been applied for)?

Then they'd probably insist on a Prepay meter anyway, going by my past CCJ and Defaults!

Cheers,

Sim.

Orville

SimIsOnTheUp wrote: »

Fair point.

However, surely the Electric company would credit check me (after the DRO has been applied for)?

Then they'd probably insist on a Prepay meter anyway, going by my past CCJ and Defaults!

Cheers,

Sim.

Try changing just before the DRO... It's what i would do....

SimIsOnTheUp

Orville wrote: »

Try changing just before the DRO... It's what i would do....

Tempting, but I wouldn't want to get in trouble with the OR down the line!