Debt Relief Orders (DRO) - Information & help thread

Orville

broken_spirit wrote: »

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?

Definately DO NOT mention the DRO. Just say you have your first meeting with an advisor and you have been asked to gather all your balances togther prior to the meeting so the advisor has a clear picture of your finances.

broken_spirit

Orville wrote: »

Definately DO NOT mention the DRO. Just say you have your first meeting with an advisor and you have been asked to gather all your balances togther prior to the meeting so the advisor has a clear picture of your finances.

Thanks :A I did think that was the case, I'm just checking & double checking everything at the moment x

scarlet55

broken_spirit wrote: »

Lol. U daft beggar!! you're not meant 2 be worrying anymore It's just I'm finding it a little overwhelming somedays. 2day I wished I'd just been able 2 hand some1 my paperwork & forms & said.............. There u go, fill your boots :rotfl::rotfl::rotfl:But I know that's not going 2 happen. So hopefully my replacement forms will arrive 2moro & I'll be able 2 get them filled in & returned on Monday, then it's just a waiting game until an authorised advisor can take a look at them xxx

hope they see you sooner rather than laterxx

broken_spirit

scarlet55 wrote: »

hope they see you sooner rather than laterxx

Me 2 How long do your creditors have 2 dispute a DRO? Is it 30 days? I haven't had anything on credit 4 over 6mths do I'm hoping I won't have an issue after (hopefully) It's granted xxx

scarlet55

yeah its 28 days or 30 not sure...you wont have a problem with that, i think its if you have had a rekless spending spree knowing you were getting a dro and also knowing you wouldnt be able to pay it back

broken_spirit

scarlet55 wrote: »

yeah its 28 days or 30 not sure...you wont have a problem with that, i think its if you have had a rekless spending spree knowing you were getting a dro and also knowing you wouldnt be able to pay it back

Should be ok there then (fingers crossed) Don't remember the last time I did anything recklessly!!! Back 2 my paperwork Speak soon xxx

scarlet55

Orville wrote: »

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-:)

hi orville..iv already said thanx to all the experts...but wen you talk to some-one who has actually been thru it you get a clearer picture of what happens cuz they've been thru the same thing and you can ask questions about what happened with them:):)

broken_spirit

broken_spirit wrote: »

Should be ok there then (fingers crossed) Don't remember the last time I did anything recklessly!!! Back 2 my paperwork Speak soon xxx

Ok, I'm back already. Does anybody know if I have 2 send my pension statement even though there's no income from it? I opted out of serps about 100 years ago!

scarlet55

Hmmm not sure about that one broken spirit but u might as well cuz it will save you sending it later if they ask 4 it xx

broken_spirit

scarlet55 wrote: »

Hmmm not sure about that one broken spirit but u might as well cuz it will save you sending it later if they ask 4 it xx

It seems 2 be a grey area, perhaps because the rules have just changed. I don't pay anything in (never have done) & I can't touch it until I retire. I believe it's gonna give me an estimated £150 a year! when I reach pension age (another 25 +yrs 2 go) There's only a space on the forms for pensions you are payin in2/ receiving an income from. I think I'll just present it with an attached note & hope that will suffice xxx