Debt Relief Orders (DRO) - Information & help thread

kerry2285

scarlet55 wrote: »

:j:j:j just to update every-one, my dro has been approved...can't tell you how relieved i feel..:smileyhea:smileyhea:smileyhea:smileyhea can i just say thankyou to every-one for the advice and guidance you have given me..especially orville and all the experts on here....and thanks broken spirit for being a friend xxxx

Congratulations!! It is a big releif seeing your name on there, although I did burst into tears as well!! lol :-)

I am just waiting for these next few weeks to go by, I hope to god none of these decide to dispute the DRO. Otherwise I will be well and truely stuffed!! I had to buy a washing machine in feb last minute and had no cash so put it on my CC, so waiting now to see if they say anything.

Im getting so so many letters from the creditors wish they would hurry up and stop!!!!

scarlet55

:j:j thanx kerry, it sounds stupid i know but it is lovely to see ur name on the insolvency register...i was looking all day yesterday and nothing...i kept thinking omg its been refused.. i checked at 8oclock this morning and there it was...i nearly jumped in the air...its such a relief isnt it....i know what you mean about the waiting to see if there are any objections...it will be a long month lol...i think you will be ok with the washing machine...if they do object im sure the OR will see that it was a necessity rather than a last minute spending spree...when the month is over i will be worrying about what to worry over...its been that long since i havint had my debts on my mind from morning till night......:T:T:T

scarlet55

iv had 2 letters already cuz i didnt pay my loan last week...glad they dont have my phone number....it feels strange not having my cc as a safety net...but it felt good to cut it up...xx

Orville

scarlet55 wrote: »

iv had 2 letters already cuz i didnt pay my loan last week...glad they dont have my phone number....it feels strange not having my cc as a safety net...but it felt good to cut it up...xx

Scarlett was it you who had a wrong amount put in by your advisor?. If so have you phoned the IS just to make sure your Dro was amended to include the correct figure?. If it wasn't you ignore my comment-:).

scarlet55

hi orville...yeah it was me...genuine mistake i know she had all the correct figures in front of her ..she just must've put a6 where the 9 shoud've gone...i cant get hold of her till monday..the cab did say some-one was gonna phone the OR to see if an ammendment could be put in so i dont know...not had my letter yet so it might say something in there...saw my name on the inslvency register this morning and nearly fell off my chair lol...i know every-one says what a relief it is but till you experience it urself you just cant imagine what its like...it still hasnt sunk in yet....thanks 4 all the advice you gave me orville, you were invaluable...:beer::beer: xx

Orville

scarlet55 wrote: »

hi orville...yeah it was me...genuine mistake i know she had all the correct figures in front of her ..she just must've put a6 where the 9 shoud've gone...i cant get hold of her till monday..the cab did say some-one was gonna phone the OR to see if an ammendment could be put in so i dont know...not had my letter yet so it might say something in there...saw my name on the inslvency register this morning and nearly fell off my chair lol...i know every-one says what a relief it is but till you experience it urself you just cant imagine what its like...it still hasnt sunk in yet....thanks 4 all the advice you gave me orville, you were invaluable...:beer::beer: xx

Well make sure you do chase them on it.

No worries about the help was my pleasure but credit goes to fat,immoral and wba, they are the real ones in the know-:)

broken_spirit

scarlet55 wrote: »

thanx broken spirit, il still be around dont worry...cant tell you how good it feels...wont b long till you feel the same. xxx:j:j:j

I really hope so I've not been sunbathing I've been trying to get all my paperwork in order :eek: I think I'm as prepared as I can be for when my new forms come. Dreading ringing all my creditors to ask for my current balances. Some of my debts have been sold on to the m*f*a !!!!! :rotfl::rotfl::rotfl:Well you'd think so the way they speak to u :mad: :mad: :mad: I have my current estimated balances from the CCCS, would they suffice or is it better to call every1 & then add a little?! :think::think::think: ................or add a lot

Orville

broken_spirit wrote: »

I really hope so I've not been sunbathing I've been trying to get all my paperwork in order :eek: I think I'm as prepared as I can be for when my new forms come. Dreading ringing all my creditors to ask for my current balances. Some of my debts have been sold on to the !!!!! :rotfl::rotfl::rotfl:Well you'd think so the way they speak to u :mad: :mad: :mad: I have my current estimated balances from the CCCS, would they suffice or is it better to call every1 & then add a little?! :think::think::think: ................or add a lot

Remember broken that they will try and get you to pay something when you call or try to arrange a payment plan etc etc. Just tell them that you are phoning up for your balances prior to a meeting with the CAB to discuss your options.

scarlet55

i had to ring one that had been passed onto a debt agency and i hadnt paid it for a year..anyway i plucked up the courage and just said i had been in touch with the cab about sorting my debts out and could they give me a balance and i would get back to them in a couple of weeks...as soon as i mentioned the cab they were fine and said they would give me 30 days to get back to them...i know its horrible doing it but try that on them.. they seem to be fine if you tell them uv been to the cab cuz they think you r gonna sort it and pay them :):) xx

broken_spirit

Orville wrote: »

Remember broken that they will try and get you to pay something when you call or try to arrange a payment plan etc etc. Just tell them that you are phoning up for your balances prior to a meeting with the CAB to discuss your options.

Thanks 4 the tip Orville. That's what I've been worrying about, as they can be quite scary!!:eek::eek::eek: I shall use your exact phrasing as I really wasn't sure what to say. I presume it's better not to mention the DRO?