Debt Relief Orders (DRO) - Information & help thread

Orville

Well mine was put through today. She had a problem with the address of my Thomas Cook Credit Card as the system couldn't find it, but after a few minutes of using google found an alternative which she managed to use.

Fatbelly. On the insolvency sheet she gave me with the Barcode it does say that the fee should be paid before, however straight after that it says you have a maximum of ten days after submission to pay it, so dunno what's going on there... However i paid mine within an hour of her doing it so hopefully i will hear tomorrow or moday if it is successful...

imatt

Orville, never got an email. I was told to expect a reply within 10 days. However, it was within a week of submitting my DRO.

Orville

Got home to an e-mail from the CAB today..

DRO approved.. Whoooo..!!

Thanks to everyone who gave me advice.

immoral_angeluk

Orville wrote: »

Got home to an e-mail from the CAB today..

DRO approved.. Whoooo..!!

Thanks to everyone who gave me advice.

That's fab Enjoy!

immoral_angeluk

Orville wrote: »

Well mine was put through today. She had a problem with the address of my Thomas Cook Credit Card as the system couldn't find it, but after a few minutes of using google found an alternative which she managed to use.

Fatbelly. On the insolvency sheet she gave me with the Barcode it does say that the fee should be paid before, however straight after that it says you have a maximum of ten days after submission to pay it, so dunno what's going on there... However i paid mine within an hour of her doing it so hopefully i will hear tomorrow or moday if it is successful...

Ideally you should pay it before, but if you're going to do it after you need to do it same day or it may not be processed and cleared within the 10 day time limit. Same day is fine though, don't worry.

Orville

white123 wrote: »

Sorry to ask as i did not know anything about this. It says no early discharge so how long does this DRO last for is it a year the same as BR.

I think for most it is a year yes, although in some circumstances it can be longer. What those circumstances are exactly though i am not sure. have a read through this thread i am sure the answer is in here somewhere.:D

immoral_angeluk

Orville wrote: »

I think for most it is a year yes, although in some circumstances it can be longer. What those circumstances are exactly though i am not sure. have a read through this thread i am sure the answer is in here somewhere.:D

Although the DRO itself would finish after 12 months, in some circumstances you may get a Debt Relief Restrictions order, but these are vary rare, in most cases the DRO is just revoked. According to my DRO course I did the other day, out of the 17000+ that have been made in 2009/2010, only 7 DRRUs were given...

But yes, in nearly all case a DRO will last for 12 months. I've never heard of a case where a debtor has been given early discharge from a DRO...

PandaPaws_3

Hello. I have had my CAB appointment this morning to fill in the online DRO form. There were two problems, though - one was that the online form would not go through until I said I 'had not conducted business in the UK in the last 3 years' but I then completed my self employment details (which clearly means I HAVE conducted business in the last 3 years, but this was the only way the form would continue), and the other being that I did not put my Student Loan on the form. I know that the SL is an excluded debt, and although it was mentioned in previous appointments, the CAB worker did not ask me about it today and so I completely forgot about it and it didn't go on the form. Will either of these things cause a problem?
Thank u

grayrobin7

Hi I have been reading up on DRO as last year I was advised to try for one. I was put off because myself and my partner have registered to a part buy part rent housing scheme and we pay so much privatly (600.10 a month for a 2 bedroom house in horrible area Ive been here 3 years) and cant get a council house as we both work but are on a low income we get 2 pound housing benifit a fortnight! However we are only on Band D with the coucnil so allthough we bid every fornight for a property we dont get anywhere. I thought getting a DRO would runin the chance of getting a part mortage which it probably will. I have had a credit report done and owe 5,000 but also have a 2,500 overdraft that has been slipped into over the years mainly because of car and general living which we needed to both get back into work. Even though Ive never missed payments or dont have anyone chasing me I still only manage the minimum payments and my credit is bad.
Last week I called up someone at totally money thinking for some reason they was something to do with this website. They once again advised me to try a DRO as I had been thinking of going down the dept consolidation route. They seemed very helpful on the phone and I took the advise to sopen a new bank account to get away from the over draft. I had a meeting set up with someone comig round my house to take all the figures of what I owe. I had everything ready and when the nice man Rob, came round to take the info there was a letter to sign that had the 90 pound fee but also £600 of fees of which the 90 pound was included to apply for the dro? I questioned this as on the forum about dro I had only noticed a £90 fee. after some phone calls between Rob and the company his agency were working for it became clear this was fee to them to do all the hard working and making appoitments for me? I asked which appointments and to make this clear but he couldnt I asked if then this is something that other agencies such as citezens advice could assist me or if I could do it myself and the awnser is yes. The £600 they argued which would be doing all my leg work, is 6 months of paying £100, which they argue is less then I pay my credtitors each month, which it is but still I could be doing this without paying that amount. So I told them very nicely they had awnsered my questions and I would be continuing on my own.
Can other people tell me is it hard to do the application yourself and what my steps are or who the best place is to go through?
Any help would be gratefully recived. We are a hardworking family with young children and life is a real struggle right now. I just need a life line. Thanks so much.
Mary

wba31

PandaPaws wrote: »

Hello. I have had my CAB appointment this morning to fill in the online DRO form. There were two problems, though - one was that the online form would not go through until I said I 'had not conducted business in the UK in the last 3 years' but I then completed my self employment details (which clearly means I HAVE conducted business in the last 3 years, but this was the only way the form would continue), and the other being that I did not put my Student Loan on the form. I know that the SL is an excluded debt, and although it was mentioned in previous appointments, the CAB worker did not ask me about it today and so I completely forgot about it and it didn't go on the form. Will either of these things cause a problem?
Thank u

the question about conducting business in the last 3 years will only be ticked "yes" if you used to, but don't anymore. the fact that you are still self employed means that you do currently, not in the past? With regards to the student loan, the balance will not affect the DRO, and of course it's excluded... it may be worth contacting the CAB advisor and ask them to email the DRO Unit about it, not sure how they would react if they felt it was being hidden?