Debt Relief Orders (DRO) - Information & help thread

fermi

Denty23 wrote: »

Am i able to apply for one once the DRO has been granted?

Apologies. I missed the part about it being after.

mikeeee

I wonder if anyone could provide some advice. I was accepted last Friday on a DRO. I currently have an iphone on an o2 contract which is due for renewal in April.

Yesterday my services, all outgoing texts/calls, internet access were all blocked. So I thought maybe my direct debit hadn't come out for some reason so I rang in and paid the bill. An hour later the block was still not lifted. So I rang back and was informed that my account was blocked and will be disconnected this Friday. When I asked why I was informed that as I have a DRO the companies policy is to cancel any contract. I explained that I have no debt whatsovever with o2, have always paid ontime... but they won't budge.

I was advised that they will be disconnecting my service on Friday at 10am and if I don't ring them by then with info of my new network I would lose my number.

I am a dance instructor in the evenings and relay heavily on my phone. My number is precious and the key to my bookings.

I also said that I had paid my months bill and was told that the cannot accept the payment and I will have to contact my bank to claim this back. The whole DRO process and the bailiff attacks I have been getting was stress enough without the potential of loosing my number and future work.

Firstly how do I go about claiming the money back from my halifax (I paid with electron) and am I allowed to get a mobile phone contract?

Most stressed and upset.
Michael x

fatbelly

Denty23 wrote: »

Thanks for the replys everyone, i just hope i can apply for a budgeting loan after i have put my DRO in.

I don't think there's anything to stop you applying for one

Orville

fatbelly wrote: »

I don't think there's anything to stop you applying for one

No i don't think so either. Fermi is there anyway you can find out for sure. i know you can still apply for loans but you can't go over £499.99 without then having to inform who you are getting a loan from that you are under a DRO.

fermi

Orville wrote: »

No i don't think so either. Fermi is there anyway you can find out for sure.

Not me! fatbelly would have a better idea than I would.

JOHNNY78

fermi wrote: »

Not me! fatbelly would have a better idea than I would.

would i have to tell them about rent arrears even though there is no problem with my landlord i owe £200 to him which im paying off every month,,thats the only thing stoppin me from applying cheers

jadeda3

hi i took out a dro last year, october it think it was, but have since moved, and cant seem to find the letters yet as still havent finished unpacking. is there any way i can find out if my dro has finished? the link that was posted a few posts up, i cant get to work.
also when i went into the bank last week, they asked me if i wanted a credit card, as i have been pre approved. i said no, but hubby rekons i should have said yes, to help build my credit rating back up, and pay it in full every month, (just pay for something little on it each month) but i am unsure weather or not to get a credit card, as we are doing fine saving for what we want, but we are looking to hopefully get a mortgage in about 7-10 years, after 2we have saved about a 30% deposit, and hubby reakins that a credit card being paid full every month will help in geting a mortgate? sorry if i dont make sense, have been up too long, thanks. jade

jadeda3

JOHNNY78 wrote: »

would i have to tell them about rent arrears even though there is no problem with my landlord i owe £200 to him which im paying off every month,,thats the only thing stoppin me from applying cheers

hi when i done my dro last year, i told them about my rent arears, but asked for it not to be put into my dro, as i had an arrangment with my land lord. so as long as you tell them you have the rent arears, but just ask them not to put it on the dro. someone who knows more may correct me, but thats what i did. hth.

Ginger_Love

Hi all, I've been discussing my debt situation with Payplan and they have recommended we go down the DRO route. This is a bit worry to us as we've never been in financial trouble before.

I recently became unemployed with almost £10,000 worth of debt - most of which is on credit cards. Up until this I have never missed a single payment and all payment have been on time.

We have now missed two payments on all of our accounts are the phone is constantly ringing.

For the purpose of the DRO I have included ALL household income including shared benefits and child benefits - however all the debts are in my sole name so I'm not 100% sure this is right.

Statement of Affairs and Personal Balance Sheet

Household Information
Number of adults in household........... 2
Number of children in household......... 2
Number of cars owned.................... 0

Monthly Income Details
Monthly income after tax................ 0
Partners monthly income after tax....... 0
Benefits................................ 1306.28
Other income............................ 0
Total monthly income.................... 1306.28

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 390
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 43.33 (Averaged over 12 months)
Gas..................................... 60 (Averaged over 12 months)
Oil..................................... 0
Water rates............................. 22.5
Telephone (land line)................... 50
Mobile phone............................ 10
TV Licence.............................. 12.12 (Averaged over 12 months)
Satellite/Cable TV...................... 0
Internet Services....................... 10
Groceries etc. ......................... 433.33
Clothing................................ 80
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 25.2
Childcare/nursery....................... 0
Other child related expenses............ 5
Medical (prescriptions, dentist etc).... 20
Pet insurance/vet bills................. 10
Buildings insurance..................... 0
Contents insurance...................... 12
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 48
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 30
Total monthly expenses.................. 1261.48



Monthly Budget Summary
Total monthly income.................... 1,306.28
Expenses (including HP & secured debts). 1,261.48
Available for debt repayments........... 44.8
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 44.8

Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -0
Net Assets.............................. 0


For me the clothing budget seems high on a monthly basis but realistically over a 12 month period, clothing 4 people and including school uniforms this will probably be right.

All feedback welcome.

immoral_angeluk

JOHNNY78 wrote: »

would i have to tell them about rent arrears even though there is no problem with my landlord i owe £200 to him which im paying off every month,,thats the only thing stoppin me from applying cheers

You would have to tell them yes, but if you have an arrangement to repay it to prevent repossession action the you can continue with this, you just need to make it clear on the form.