Debt Relief Orders (DRO) - Information & help thread

wba31

fatbelly wrote: »

Yep, and anything submitted on 7 Oct (before the site went down!) will not be considered till then.

WBA - did you get an e-mail or did you phone and ask?

I was forwarded an email from Bruce Burns... Bit annoying as today i had arranged to contact people tomorrow to submit

immoral_angeluk

wba31 wrote: »

No submissions now until Wednesday 20 October...

Was just about to post the same thing, email went round today. *Sigh*

wba31

No emails and no new posts on here, im guessing we're good to go again...? _party_ (Although it's too late if we're not...

wba31

wba31 wrote: »

No emails and no new posts on here, im guessing we're good to go again...? _party_ (Although it's too late if we're not...

WOAH WOAH WOAH!!! colleague has just spoke to DRO Unit who have said that actually we cannot submit until this afternoon! any submitted already should be "held on to" but if nothing is heard in a week to contact the DRO Unit. We ONLY know this due to my colleague ringing them to query something else... :mad:

Orville

Guineapig5 wrote: »

Hi
Can anyone tell me the answer to this please:

I was granted a DRO in August (this year) and have just had a letter from the tax office saying that I am entitled to a refund from the year 2008/9 of £304.85. I was working at the time and obviously paid too much income tax, but have been on benefits since.

I am really worried about this as it took 3 months from start to finish to get a DRO.

Will this invalidate my DRO? Do I have to tell the IS about this?

I can't say for sure but i doubt very much if it would affect it. It's a one off payment and not a regular income so i wouldn't worry too much.

sicko666

fatbelly wrote: »

Hi Sicko - I'll try to write in English!

Firstly, you do need to check what benefits you are on. Could it be DLA (Disability Living Allowance)? Or is it just that you get 96.45 per week Income Support, which would mean that you have the disability premium added to your IS.

Either way, your Approved Intermediary should have little trouble getting you under the £50 per month surplus income limit.

OK so far?



None of these are assets in a DRO. No bailiffs! You're safe.



You're guessing right. You are going to list your overdraft as a debt. The account would be frozen and that bank are unlikely to give you another account for some time.

Plenty others out there... A lot of us like the Co-Op. Just keep in credit in the future

fb

Wow i wasnt expecting a reply so fast, let alone 3,lol that has not been my experience asking anywhere else thats for sure! And ALL in English,thank you all so much for responding, i have been a total nervous wreck for well over a year now, you have helped me beyond words can describe!!!:j:T:iloveyou::iloveyou::iloveyou::A:):):beer:;)
Thank you fatbelly :iloveyou: even though i am a straight man :iloveyou:

elfieb i am not totally sure if it was classed as a refusal or not.
I spoke to the CAB and told him everything at the time and he passed my details on to his head office. Then i recieved a phone call asking me for all my details again,once i repeated them all to this voice on the end of the telephone, he told me i couldnt applie while i still had the life insurance and that i should surrender it, then go through the CAB again.So i am guessing it wasnt submitted, but he didnt give me his number so i could contact him directly so i dont know if this will be classed as a second submittance or not when i see the CAB again...?

Orville i will open a new account with a new bank like you sujjested and transfer everything, all my DD and social payments over to that bank, god only knows how long it will take, talking to the social is a battle unto itself! But thank you for the advice

I want you all to know, this place is the absolute best by a very long,long,long way indeed over any other places i have searched through! Your an absolute God send for me,and i am guessing millions of others too! Thank you :iloveyou: all!!!!!

fatbelly

sicko666 wrote: »

Thank you fatbelly :iloveyou: even though i am a straight man :iloveyou:

I'm touched.

Orville

Sicko666

It's a pleasure to help. I am very much a novice and. Can only give advice after going through the process myself. Fatbelly and immoral are the real experts

As for getting answers quickly, you can set your settings to post you a mail when someone replies and you are subscribed.

immoral_angeluk

Awww I'm touched

fatbelly

Managed to submit a DRO later this afternoon but have still not heard anything about the one I submitted on 7 Oct that they said was caught up in the shutdown.

And the bankruptcy search facility on the Insolvency Service site is still not working...