Debt Relief Orders (DRO) - Information & help thread

Godiva500

Can I assume from the above, that it's taking a couple of weeks before we can get an appointment for a DRO.I have just pressed the button to apply through CCCS, but my new bank account isn't in place yet. Can I assume that although they may contact me etc, they don't proceed until I am ready and have everything in place? Hope so, or i will start Panicking!!

fatbelly

Yesterday DROs were launched with Intermediaries working from version 1 of the guidance notes.

Today they have been replaced by version 2.

Tomorrow...?

I do think things will settle down and they'll be a useful tool for a lot of people.

I've just noticed that the National Debtline factsheet has been sorted out. I was printing it out on Friday and having to make handwritten corrections.

Just noticed the Insolvency Service guide to DROs

dalip

How would the household bills be worked out if the person applying for the DRO was in a low income full time job,the partner was unemployed and there was a "child"(27!) at home working full time? The only area where i am unsure if this would be the right way for OH to go.

Oh is at the moment paying CCC's £70 a month on about 12k of debt. It was taken on joint income but i am out of a job come thursday so will need to infom them of the change in circumstance. Not certain they will reccomend a DRO but need to explore every angle before hand.

Many thanks Dx

Jvic28

fatbelly wrote: »

• householders will be excluded as the value (not the equity) of the house will count toward the asset limit (£300 max).

I'm still learning about these things so I'm happy to be corrected!

I was interested in a DRO until I read this. I bought a flat few years ago but am now very much in negative equity. Does this mean that I can't have a DRO even though I have no equity in the property?

dottywot

will my employer, if i obtain dro, be informed? also will my basic bank ac need to be closed down? also who should i approach to act for me?
any one out there know answer to these pretty basic questions i have trawled the net looking for answers but to no avail Helppppppppppppp


Thank you in anticaption

tigerfeet2006

Second page and I really should be getting on with the housework bump!

philnicandamy

tigerfeet2006 wrote: »

second page and i really should be getting on with the housework bump!

go housework!!!! :d:d:d

marchatton

does anyone know......do a husband and wife count as one application or two?

Can we do two applications as together we owe 28,000......14000 each

dalip

:oummmm looked on second page .

I know he will have to have less than £50 a month to live on but.....how would we split the household bills? Because my daughter is a full time worker would they expect her to pay half/quarter of the rent,rates ect. All the bills are in joint names except tv licence and internet which is in mine! How much would i be expectd to contriubute with my jobseekers alowce of 60.50 per wk!

Sorry for being think but i dont see those answers on page 2!:o

PlasticPennies

dalip wrote: »

:oummmm looked on second page .

I know he will have to have less than £50 a month to live on but.....how would we split the household bills? Because my daughter is a full time worker would they expect her to pay half/quarter of the rent,rates ect. All the bills are in joint names except tv licence and internet which is in mine! How much would i be expectd to contriubute with my jobseekers alowce of 60.50 per wk!

Sorry for being think but i dont see those answers on page 2!:o

Put down the proportion of the bills that you actually pay, and leave out what your daughter pays.