Debt Relief Orders (DRO) - Information & help thread

scarlet55

im fine thanx b.s...been in the garden 4 a bit this afters....had a nice soak in bath and iv got my pjs on...no need to ask how u are with ur bad throat, have u taken anything ?xxx:):)

sarbaz2007

scarlet55 wrote: »

my adviser put down £216 down for my household, which includes things like clothes toiletries nappies ect (no babies in the house ) and i live alone so i think the groceries will be fine...but you need to scrap the clothing or most of it and perhaps add it on somewhere else...my tv licence went down as £13. i would put £30 down for water,you could probably put down a little more for mobile phone if you both have one..i woulnt worry too much as your adviser will sugest things aswell...you could probably put down for home insurance...you should probably have some anyway...get some quotes...

My partners got a pay as you go, can I add it as I have no proof?

What about home insurance, can I put it on if I don't have it now but plan on getting it soon?

Would they ask for any proofs from your outgoings or do they just take your word fit it?

Thanks guys/gals for your help it makes it a lot less stressful.

I'll post up a new SOA soon if you don't mind.

scarlet55

scarlet55 wrote: »

im fine thanx b.s...been in the garden 4 a bit this afters....had a nice soak in bath and iv got my pjs on...no need to ask how u are with ur bad throat, have u taken anything ?xxx:):)

your wtc will be on your bank statement anyway...just get your proof of income from your boss aswell...have you made an appointment yet ?...who are you going with ?.

broken_spirit

sarbaz2007 wrote: »

Statement of affairs
Monthly Income

Income Amount
Net Monthly Salary £ 376.00 (I recieve cash in hand) Is employer proof of earnings letter enough as i have no payslips?
Partner's Monthly Salary £ 0.00
Benefits £ 568.00 (goes into my partners account!)
TOTAL MONTHLY INCOME £ 944.00

Essential Monthly Outgoings

Outgoings Amount Mortgage £ 0.00
Rent £ 5.25
Council Tax £ 2.00
Electricity £ 40.00
Gas £ 40.00
Heating Oil £ 0.00
Water Rates £ 5.00
Telephone £ 30.00
Mobile Phone £ 35.00
TV Licence £ 11.80
Satellite TV £ 0.00
Internet £ 13.00
Buildings Insurance £ 0.00
Contents Insurance £ 0.00
Life Insurance £ 0.00
Groceries £ 420.00
Clothing £ 120.00
Petrol £ 50.00
Car Tax £ 15.00
Car Insurance £ 86.81
Car MOT £ 5.00
Car Maintenance £ 20.00
Car Parking £ 10.00
Other Travel £ 0.00
Childminder/Nursery £ 0.00
Medical/Dental Expenses £ 0.00
Pets Insurance/Vets Bills £ 0.00
Birthdays/Christmas £ 10.00
Holidays £ 0.00
TOTAL MONTHLY OUTGOINGS £ 918.86 NET MONTHLY SURPLUS £ 25.14

Monthly Debts

Overdraft £ 3,000.00
Cheque gurantee £ 3,500.00
Capital 1 £ 610.00
Aqua £ 845.00
Vanquis £ 980.00
Littlewoods £ 140.00
Marshall ward £460.00
Very £ 307.00
Additions £ 335.00
Next £ 750.00
T-Mobile £ 250.00
TOTAL DEBT £ 11,177.00

Assets

Asset Value Cash £ 0.00
House Equity £ 0.00
Shares/Bonds £ 0.00
Car(s) £ 2,200.00 (Owner of the car is my dad(Proof from finance company enough?) car registered in my name.)
TOTAL ASSETS £ 2,200.00

Ok, I'm in the process of doing my own DRO & I've noticed things which are listed on the budget sheet that you are missing on yours :-
laundry & dry cleaning
newspapers/magazines
hairdressing
meals at work
house maintenance.

These are all listed on the actual SOA form I have 2 present with my DRO application. Perhaps u don't actually need any of these, but just thought it may help you when u sit down 2 fill your own forms in

scarlet55

sarbaz2007 wrote: »

My partners got a pay as you go, can I add it as I have no proof?

What about home insurance, can I put it on if I don't have it now but plan on getting it soon?

Would they ask for any proofs from your outgoings or do they just take your word fit it?

Thanks guys/gals for your help it makes it a lot less stressful.

I'll post up a new SOA soon if you don't mind.

frstly, yes you can put down phone, mine is payg.......if you plan on getting home insurance then yes put it down..they wont ask for proofs of your outgoings...they only ask for a bank statement to check your income...

broken_spirit

scarlet55 wrote: »

im fine thanx b.s...been in the garden 4 a bit this afters....had a nice soak in bath and iv got my pjs on...no need to ask how u are with ur bad throat, have u taken anything ?xxx:):)

No, need 2 c doc. It's definately tonsillitis again So need antibiotics, but won't be able 2 swallow them

sarbaz2007

:money:

scarlet55 wrote: »

your wtc will be on your bank statement anyway...just get your proof of income from your boss aswell...have you made an appointment yet ?...who are you going with ?.

I'm going with my local CAB? can I tell I have already seeked advise from debt helpline and just do a straight forward DRO?

scarlet55

broken_spirit wrote: »

Ok, I'm in the process of doing my own DRO & I've noticed things which are listed on the budget sheet that you are missing on yours :-
laundry & dry cleaning
newspapers/magazines
hairdressing
meals at work
house maintenance.

These are all listed on the actual SOA form I have 2 present with my DRO application. Perhaps u don't actually need any of these, but just thought it may help you when u sit down 2 fill your own forms in

these were all included as my housekeeping expenses bs...i think thats why my adviser put down more....i suppose it depends who you are going with xx

broken_spirit

sarbaz2007 wrote: »

How do I go about this? You mean I just need my WTC letter what employer letter?

I mean if you are in receipt of WTC, you have 2 have provided some proof of earnings from your employer. I just wondered if this would be sufficient evidence of your paid earnings + proof of receipt of your WTC. Just with you stating you don't get payslips.

sarbaz2007

broken_spirit wrote: »

No, need 2 c doc. It's definately tonsillitis again So need antibiotics, but won't be able 2 swallow them

I had my tonsils taken out a few months ago. It was the worst pain in my life:mad:, but even so am happy to finally have them out. As I have had no problems since.
If your doubting wether to do it or not go for it after all it's let's painfull then this DRO process.