Debt Relief Orders (DRO) - Information & help thread

broken_spirit

Hi,

Just noticed that as of the 13th Apr, my IS goes down to £118.72 from £138.97 before deductions. Thats a loss of £20.25! & I have no idea why.

Orville

broken_spirit wrote: »

Hi Orville,
Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 1
Number of children in household......... 1
Number of cars owned.................... 0
Monthly Income Details
Monthly income after tax................ 0
Partners monthly income after tax....... 0
Benefits................................ 917
Other income............................ 0
Total monthly income.................... 917
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 53
Gas..................................... 54
Oil..................................... 0
Water rates............................. 36
Telephone (land line)................... 40
Mobile phone............................ 55
TV Licence.............................. 12
Satellite/Cable TV...................... 19
Internet Services....................... 0
Groceries etc. ......................... 350
Clothing................................ 20
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 61
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 20
Buildings insurance..................... 0
Contents insurance...................... 19
Life assurance ......................... 0
Other insurance......................... 10
Presents (birthday, christmas etc)...... 15
Haircuts................................ 15
Entertainment........................... 20
Holiday................................. 20
Emergency fund.......................... 40
(Unnamed monthly expense)............... 0
dry cleaning............................ 10
school books............................ 10
Total monthly expenses.................. 879

Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 0
Other assets............................ 0
Total Assets............................ 0

No Secured nor Hire Purchase Debts
Unsecured Debts
Description....................Debt......Monthly...APR
Provident......................2255.2....144.......0
Allied International...........1231.38...5.........0
Moorcroft DR...................1025......5.........0
Littlewoods Org................116.......5.........0
HFC Bank.......................164.......5.........0
JD Williams....................137.......5.........0
Littlewoods Org................207.......5.........0
JD Williams....................183.......5.........0
Next...........................224.......5.........0
JD Williams....................184.......5.........0
Cabot financial................424.......5.........0
Debt managers ltd..............502.......5.........0
Bpo collections................594.62....5.........0
Total unsecured debts..........7247.2....204.......-

Monthly Budget Summary
Total monthly income.................... 917
Expenses (including HP & secured debts). 879
Available for debt repayments........... 38
Monthly UNsecured debt repayments....... 204
Amount short for making debt repayments. -166
Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -7,247.2
Net Assets.............................. -7,247.2
Created using the SOA calculator at Reproduced on Moneysavingexpert with permission, using IE browser.

Any advice welcome. I'm in receipt of full HB & CTB. If groceries look high, it's because my son is on food supplements & I didn't know where to include them.

Oooopss re-post without the debts...lol sorry should have said. Although at first glance i would say your gas an elec is high. I am single with a son and although i do not have gas, i only pay £50 for electric per month, so i would assume you could get that down. Landline telephone looks rather steep. Mine is £26 or so a month including broadband. Mobile is astronomical (is that spelt right...lol) i would certainly look at getting that down. Is your son on food supplements for a medical reason..? if not then this should be looked at as your monthly grocery figure is pretty high. Mine is around £200. Other travel..? What is that for..? £40 emergency fund..?

Wait till Fat, Immoral or WBA come along as they will know the trigger figures etc and see what they say.

Orville

broken_spirit wrote: »

Hi,

Just noticed that as of the 13th Apr, my IS goes down to £118.72 from £138.97 before deductions. Thats a loss of £20.25! & I have no idea why.

Goverment cutback maybe..? You should phone and ask asap, i would.

broken_spirit

Oooopss re-post without the debts...lol sorry should have said. Although at first glance i would say your gas an elec is high. I am single with a son and although i do not have gas, i only pay £50 for electric per month, so i would assume you could get that down. Landline telephone looks rather steep. Mine is £26 or so a month including broadband. Mobile is astronomical (is that spelt right...lol) i would certainly look at getting that down. Is your son on food supplements for a medical reason..? if not then this should be looked at as your monthly grocery figure is pretty high. Mine is around £200. Other travel..? What is that for..? £40 emergency fund..?

I have arrears with gas/elec & water, so I'm paying extra each week to reduce the outstanding balances. The land line & mobile I have tried to reduce but have over 15 mths left on both contracts (2 mobiles) + 14 mths left on the LL with small arrears which I'm paying towards each month to reduce. I know the groceries are high! I've included everything I buy ie. cleaning/toiletries/pet food etc. I kept every receipt for the last mth thinking I had miscalculated & with 4 days left until a full mth is up, I'm not far off at all. The food supplements are an issue, my son is in a rugby academy & we are expected to provide everything from sportswear - gym membership- food supplements & he has to follow aq very strict diet. It could lead to him been choosen to play for England, which would obviously be a great honour & pride both for my son & myself, but it is crippling my finances. He has been using his EMA to assist with off setting these costs, but that will be stopping in June, what then?! I have tried to get some help with funding but have had every door slammed in my face. It may be that he has to leave, but until June I'm keeping mum. It would devastate him. I'll have another look at my figures, thanks for the advice.

Orville

As i said wait till Fat, Immoral and WBA come along. You can get the mobile and utilities included in a dro. I am not sure with regards to food supplements etc if there is not a medical reason behind it. I suspect you would be expected to stop paying those straight away. Where that then leaves you we will have to see.

broken_spirit

Thanks, I appreciate your help. I don't have arrears on the mobiles so I don't think I can include them as a debt..........can I? I underdstand your point with the utilities going on a DRO, that would give me a helping hand. Thanks again x

fatbelly

broken_spirit wrote: »

Hi,

Just noticed that as of the 13th Apr, my IS goes down to £118.72 from £138.97 before deductions. Thats a loss of £20.25! & I have no idea why.

You need to check. The letter from DWP should explain. It sounds like you might be losing a premium. Is your DLA award OK?

I'm sure that you will be OK re the £50 surplus rule. As you mentioned earlier, DLA should be shown as an 'in' and an 'out' on the DRO application. Your supplements would be covered by that.

All the arrears must be included in the application. That shouldn't be a problem.

Your AI will sort out the fine detail. Are you using CCCS?

broken_spirit

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 1
Number of children in household......... 1
Number of cars owned.................... 0
Monthly Income Details
Monthly income after tax................ 0
Partners monthly income after tax....... 0
Benefits................................ 917
Other income............................ 0
Total monthly income.................... 917
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 53
Gas..................................... 54
Oil..................................... 0
Water rates............................. 36
Telephone (land line)................... 40
Mobile phone............................ 55
TV Licence.............................. 12
Satellite/Cable TV...................... 19
Internet Services....................... 0
Groceries etc. ......................... 350
Clothing................................ 20
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 20
Childcare/nursery....................... 0
Other child related expenses............ 9
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 20
Buildings insurance..................... 0
Contents insurance...................... 19
Life assurance ......................... 0
Other insurance......................... 15
Presents (birthday, christmas etc)...... 25
Haircuts................................ 15
Entertainment........................... 20
Holiday................................. 20
Emergency fund.......................... 30
childrens pocket money.................. 20
dry cleaning............................ 10
school books/trips...................... 10
Total monthly expenses.................. 882

Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 0
Other assets............................ 0
Total Assets............................ 0

No Secured nor Hire Purchase Debts
Unsecured Debts
Description....................Debt......Monthly...APR
Provident......................2255.2....0.........0
Allied International...........1231.38...0.........0
Moorcroft DR...................1025......0.........0
Littlewoods Org................116.......0.........0
HFC Bank.......................164.......0.........0
JD Williams....................137.......0.........0
Littlewoods Org................207.......0.........0
JD Williams....................183.......0.........0
Next...........................224.......0.........0
JD Williams....................184.......0.........0
Cabot financial................424.......0.........0
Debt managers ltd..............502.......0.........0
Bpo collections................594.62....0.........0
Total unsecured debts..........7247.2....0.........-

Monthly Budget Summary
Total monthly income.................... 917
Expenses (including HP & secured debts). 882
Available for debt repayments........... 35
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 35
Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -7,247.2
Net Assets.............................. -7,247.2
Created using the SOA calculator at
Reproduced on Moneysavingexpert with permission, using IE browser.

Well I've re jiggled where I thought I could genuinely manage. The original transport costs were wrong, I'm sorry about that. I'd included my transport costs which I know pay for out of my DLA. I wait for advice/comments with baited breath! I have mabe a phone call to IS. :T Orville. They said that it must have been sent out in error & not to worry about it. I also tried calling the CCCS DRO line as advised, but no luck getting through yet. I may consider NDL yet, if it still remains difficult to contact CCCS. I am totally out of my depth with dealing with this I'm afraid. So please if you feel you can help, please do so. Thankyou in advance.

broken_spirit

fatbelly wrote: »

You need to check. The letter from DWP should explain. It sounds like you might be losing a premium. Is your DLA award OK?

I'm sure that you will be OK re the £50 surplus rule. As you mentioned earlier, DLA should be shown as an 'in' and an 'out' on the DRO application. Your supplements would be covered by that.

All the arrears must be included in the application. That shouldn't be a problem.

Your AI will sort out the fine detail. Are you using CCCS?

Hi,
Thanks for your help. I have sorted the IS out, apparently it was sent in error.
I'm unsure what the right plan of action is for me to take, so I posted on here hoping to pick some brains :eek:
All I know is that at the moment I am literally selling the clothes off my back & the shoes off my feet to try & keep afloat!
My son is 17 now, so I'm not sure whether or not to class him as an adult on my SOA?! He certainly eats as an adult & obviously he's in adults clothes & shoes (& still growing!) Thanks.

scarlet55

hi every-one, i recieved my co-op cashminder welcome pack 2day and i also got my visa card in the same post...just waiting for my pin ...iv phoned the co-op up to register for internet banking and ive also phoned up virgin, life insurance ect to transfer my direct debits...this is all in readiness for when my dro gets submitted next wednesday..my question is this...although the companys i phoned up all said the dds were all now set up, there is nothing showing when i go on the website...does the account have to be actually activated by putting funds in first...i have phoned up the dwp also and they are going to start paying my benefit into my new account, which wont be for another 12 days.(which is way before my dds come out )