Debt Relief Orders (DRO) - Information & help thread

samshirley

Hey everyone i am now discharged from my dro how do i rebuild my credit worthyness?

azzadle

Orville wrote: »

If that was aimed at me.


HI...!:D

Actually it was aimed at Madman-James :eek: but hello!

Immoral_angel, I have a question about a creditor that's still contacting me regarding my DRO:

My phone contract with Orange was passed to the Moorcroft Group and they're persistently ringing me despite me telling them I'm subject to a DRO. I've advised all my other creditors and given them the DRO reference and every single one has said "not a problem" and were rather polite about it. Moorcroft are pushy, incredibly rude (probably because they aren't getting their money) and won't accept the reference number. They keep telling me I've got to send them a copy or they'll file a claim against me in court.

Can they actually do this or are they just trying it on for the sake of it? Shall I bother sending them a copy to shut them up or ignore them? :cool:

jlw198704

Hi guys, I have a debts under 15k but have a car on finance which pays up at the end of this year, some intermediarys are saying that I have to include this and others are saying no its not as it is a secure debt, and with this included it takes my debt to over 15k, i dont work as was made redundant and have previosuly been in a DMP but it was pointless as they were taking more for them selves as to what they were actually giving my creditors so came out of it, have been speaking with creditors and can only afford to pay 1 pound a month as no income, just wanted to know if anyone has any views on why some are saying i have to include my car finance and others say I dont.......

G8311374

Hi I entered into a DRO in December 2009 but have not had anything to say that I am discharged following the 12 month period and have since moved house. 1. Should I have received somethign to say that the DRO is finished and 2. If that is so do I need to inform of change of address and who do I contact?

Thanks

Helen

fatbelly

helenbolland wrote: »

Hi I entered into a DRO in December 2009 but have not had anything to say that I am discharged following the 12 month period and have since moved house. 1. Should I have received somethign to say that the DRO is finished and 2. If that is so do I need to inform of change of address and who do I contact?

Thanks

Helen

Hi

Your 'morotorium period' should have ended in December and so you are now discharged from liability for the listed debts. Your record stays on the IS website for three months so now is the time to print out your record and send a copy to anyone who contacts you in the future about those debts.

http://www.insolvency.gov.uk/eiir/IIRNameSearchMapIE.asp

Good luck.

fb

wba31

azzadle wrote: »

Actually it was aimed at Madman-James :eek: but hello!

Immoral_angel, I have a question about a creditor that's still contacting me regarding my DRO:

My phone contract with Orange was passed to the Moorcroft Group and they're persistently ringing me despite me telling them I'm subject to a DRO. I've advised all my other creditors and given them the DRO reference and every single one has said "not a problem" and were rather polite about it. Moorcroft are pushy, incredibly rude (probably because they aren't getting their money) and won't accept the reference number. They keep telling me I've got to send them a copy or they'll file a claim against me in court.

Can they actually do this or are they just trying it on for the sake of it? Shall I bother sending them a copy to shut them up or ignore them? :cool:

They cannot file for a CCJ now the DRO is in place, but sending them a photocopy of your DRO approval will certainly shut them up

wba31

jlw198704 wrote: »

Hi guys, I have a debts under 15k but have a car on finance which pays up at the end of this year, some intermediarys are saying that I have to include this and others are saying no its not as it is a secure debt, and with this included it takes my debt to over 15k, i dont work as was made redundant and have previosuly been in a DMP but it was pointless as they were taking more for them selves as to what they were actually giving my creditors so came out of it, have been speaking with creditors and can only afford to pay 1 pound a month as no income, just wanted to know if anyone has any views on why some are saying i have to include my car finance and others say I dont.......

The guidance notes state that HP is not an excluded debt and will contribute to the £15k level. Obviously the vehicle is not declared as an asset as it belongs to the HP company until the final payment has been made.

If a HP debt is included in a DRO (which it must be) the HP payments are not to be continued.

Who has told you that this is a secured debt? They should know (or at least look it up in the guidance notes) and see that it should be included.

You mention that you finish paying for the car this year, what car is it? It will then be an asset, and if worth more than £1000 will mean you are still ineligible for the DRO.

fatbelly

debt2011 wrote: »

Hi I have been to the CAB and i had a brief appointment with an advisor saying I want to apply for a DRO and would like to see the DRO specialist. I feel fobbed off as they directed me to another place that gives advise for debt problems. (Btw I already had advice which is why I decided on the DRO)

Is 'the other place' somewhere where you could get advice and where there is an Approved Intermediary?

Did you ask why you were being referred? There are lots of possible reasons - your adviser was not a debt specialist, he/she was a specialist but not an Intermediary, he/she was an intermediary but you did not meet their eligibility criteria,...

There was a list, which I'll try to find, of CABs with AIs, but it may well be out of date.

fatbelly

Ok, this is going to look a bit of a mess but this was the list of Bureaux with Approved Intermediaries at July last year:

• Bedford
• Braintree, Halstead & Witham
• Brandon & Mildenhall
• Broxbourne
• Bury St Edmunds
• Cambridge
• Chelmsford
• Colchester
• Dacorum
• Diss & Thetford
• Dunstable
• East Hertfordshire
• Ely
• Epping Forest
• Felixstowe
• Fenland
• Haverhill
• Hertsmere
• Ipswich & District
• Leighton Linsdale
• Leiston, Saxmundham & District
• Luton
• Maldon
• Mid Suffolk
• Newmarket
• North East Suffolk
• North Hertfordshire
• North Walsham
• Norwich & West Norfolk
• Peterborough
• Southend
• St Albans
• Stevenage
• Sudbury
• Tendring
• Three Rivers
• Thurrock
• Uttlesford
• Watford
• Yare Valley
• Ashfield
• Bassetlaw
• Boston
• Broxtowe
• Charnwood
• Chesterfield
• Corby Borough WR
• Derby
• East Lindsey
• Erewash
• High Peak
• Hinckley
• Lincoln & District
• Ollerton & District
• Mansfield
• Melton
• Mid-Derbyshire
• Nene Valley
• Newark & District
• North West Leicestershire
• Northampton & District
• Nottingham & District
• Ollerton
• Rutland
• Sleaford & District
• South Derbyshire
• South Holland
• South Kesteven
• South Leicestershire
• West Lindsey
• Barking & Dagenham
• Bexley
• Brent
• Brentwood
• Bromley
• East End
• Enfield
• Greenwich
• Hammersmith & Fulham
• Haringey
• Havering
• Hillingdon & Ealing
• Hounslow
• Kensington & Chelsea
• Kingston Borough
• Lewisham
• Merton & Lambeth
• Redbridge
• Richmond Borough
• Royal Courts of Justice
• Southwark
• Sutton Borough
• Waltham Forest
• Wandsworth
• Westminster

• Alnwick
• Berwick
• Blyth Valley
• Chester le Street
• Darlington
• Derwentside
• East Durham
• Gateshead
• Newcastle City
• Hartlepool
• Middlesbrough
• North Tyneside
• Redcar & Cleveland
• Ryedale
• Sedgefield & District
• South Tyneside
• Stockton
• Teesdale
• Tynedale
• Wansbeck
• Washington
• Wear Valley
• Allerdale
• Barrow in Furness
• Blackburn
• Blackpool
• Bolton
• Burnley
• Bury
• Carlisle
• Cheshire East (Congleton)
• Cheshire East (Crewe & Nantwich)
• Cheshire East (Macclesfield & Wilmslow)
• Cheshire West (Chester)
• Cheshire West (Ellesmere Port)
• Cheshire West (Winsford)
• Chorley South Ribble
• Combined Hospitals
• Congleton
• Copeland
• Cumbria Rural
• Eden
• Garston
• Halton
• Hyndburn
• Knowsley District
• Lancaster
• Liverpool Central
• Macclesfield & Wilmslow
• Manchester District
• Morecambe
• Netherley
• North Liverpool
• Oldham District
• Pendle
• Preston
• Ribble Valley
• Rochdale
• Rossendale
• Salford District
• Salford Mental Health Services
• Sefton
• South Lakeland
• St Helens
• Tameside
• Trafford
• Warrington District
• Wavertree
• West Lancashire
• Wirral
• Andover
• Ash
• Ashford & Tenterden
• Banbury
• Bishop’s Waltham
• Brighton & Hove
• Buckingham, Winslow and District
• Canterbury
• Central Sussex (Crawley)
• Central Sussex (Horsham)
• Dartford
• Didcot & District
• East Hampshire
• Eastbourne
• Eastleigh
• Esher & District
• Fareham
• Gravesham
• Guildford
• Hart District
• Havant
• High Wycombe
• Leatherhead & Dorking
• Lewes & Seaford
• Lymington
• Maidenhead
• Maidstone
• Medway
• Milton Keynes
• New Milton
• Newport, Isle of Wight
• Oxted
• Portsmouth
• Reading
• Reigate & Banstead
• Romsey & District
• Rushmoor
• Rother District
• Runnymede
• Sevenoaks & Swanley
• Shepway
• Shoreham & Southwick
• Southampton
• Swale
• Thanet
• Tonbridge
• Tunbridge Wells
• Walton & Weybridge
• Waverley
• Wealden
• West Berkshire
• West Oxfordshire
• West Sussex (Adur & Worthing)
• West Sussex (Bognor Regis)
• West Sussex (Arun & Chichester)
• West Sussex (Lancing)
• West Sussex (Littlehampton)
• Whitehill & Bordon
• Winchester
• Woking
• Wokingham
• 1066 (Hastings)

• Bath
• Bicester
• Bideford
• Bournemouth
• Bridport
• Bristol
• CAB Cornwall (Cambourne)
• CAB Cornwall (Falmouth)
• CAB Cornwall (Penwith)
• CAB Cornwall (Restormel)
• CAB Cornwall (Redruth)
• CAB Cornwall (Saltash)
• Cheltenham & Cirencester
• Christchurch
• Dorchester
• East Devon
• East Dorset
• Exeter
• Forest of Dean
• Gloucester District
• Kennet
• Mendip
• Mid Devon
• North East Somerset
• North Devon
• North Dorset
• North Somerset
• North Wiltshire
• Poole
• Plymouth
• Purbeck
• Sedgemoor
• Sherborne
• South Hams
• South Gloucestershire
• South Somerset
• Stroud & District
• Swindon
• Taunton & District
• Teignbridge
• Torbay
• Torridge, Mid Devon & Bude
• West Wiltshire Wide
• Weymouth & Portland

• Aberystwyth
• Flintshire
• Caerphilly County
• Caldicot
• Cardiff
• Cardigan
• Canolfan Cynghori
• Carmarthen
• Ynys Mon
• Conwy
• Cynon Valley
• Denbighshire
• Gwynedd & De Ynys Mon
• Llanelli
• Merthyr Tydfil
• Neath
• Newport
• Pembrokeshire
• Port Talbot
• Powys
• Rhondda Taff
• Rhydaman
• Swansea
• Torfaen
• Vale of Glamorgan
• Wrexham & District

• Bedworth, Rugby & Nuneaton
• Biddulph
• Birmingham
• Cheadle
• Coventry
• Dudley District
• East Staffordshire
• Halton
• Herefordshire
• Leek
• Lichfield
• Malvern Hills
• Newcastle & Kidsgrove
• North Warwickshire
• Redditch
• Sandwell
• Shirley
• Shropshire
• South Staffordshire
• Stafford & Stone
• Stoke
• Telford & the Wrekin
• The Chase
• Walsall
• Warwick District
• Wolverhampton District
• Worcester
• Wychavon
• Wyre Forest

Yorkshire & Humberside
• Barnsley
• Bradford & Airedale (Bradford)
• Bradford & Airedale (Keighley)
• Calderdale
• Chapeltown
• Craven
• Doncaster
• East Yorkshire (Boothferry)
• East Yorkshire (Hull)
• Grimsby & Cleethorpes
• Hambleton
• Harrogate
• Kirklees (Batley)
• Kirklees (Huddersfield)
• Leeds
• Mexborough
• NE Doncaster
• Pitsmoor
• Richmondshire
• Rotherham
• Ryedale
• Scarborough & District
• Selby District
• Sharrow
• Sheffield Debt Support
• Sheffield Mental Health Unit
• Wakefield
• York & District

jenniewb

Quick question:

I got a DRO in 2009 (August). It was accepted and finalised and passed.

I am just wondering, I know it affects my credit rating and means no new debts or loans etc for a few years (8? 10?) but will it affect getting a mobile phone contract?

Thanks for any answers!