Debt Relief Orders (DRO) - Information & help thread

scarlet55

sarbaz2007 wrote: »

:money:

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?

i went with the CAB ,they are very good...yes you can tell them but u only have an initial appointment with them anyway and then they will make u an appointment to see the dro adviser....when i phoned them they told me to go on there website and download a copy of there soa to take with you on your first visit,also take ur most recent bank statement and a list of all your creditors,

broken_spirit

scarlet55 wrote: »

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

Didn't u have 2 list them individually 1st tho? & then they add all your other expenditure up & take them away from your income? That's how I'm having 2 do it. But like u say they may all do it differently xxx:)

scarlet55

sarbaz2007 wrote: »

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.

lol a dro is not that painfull once you get the ball rolling sarbaz...:):)

broken_spirit

sarbaz2007 wrote: »

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.

:rotfl::rotfl::rotfl:Thanks. My docs been trying 2 get me 2 have them taken out 4 the last 10yrs! But me an anaesthetics don't mix, that's what I'm worried about. I get it at least 4 times a yr & I've only just got rid of it 2wks ago & it's back already

scarlet55

broken_spirit wrote: »

Didn't u have 2 list them individually 1st tho? & then they add all your other expenditure up & take them away from your income? That's how I'm having 2 do it. But like u say they may all do it differently xxx:)

i didnt actually put everything down cuz if i had i would've been in deficit and i dont think they like that lolx:):)

scarlet55

broken_spirit wrote: »

:rotfl::rotfl::rotfl:Thanks. My docs been trying 2 get me 2 have them taken out 4 the last 10yrs! But me an anaesthetics don't mix, that's what I'm worried about. I get it at least 4 times a yr & I've only just got rid of it 2wks ago & it's back already

go and get them taken out and stop suffering...my brother is the biggest coward..and he was fine....:silenced::silenced:

broken_spirit

scarlet55 wrote: »

i didnt actually put everything down cuz if i had i would've been in deficit and i dont think they like that lolx:):)

I've got a minus figure when I've paid all priority debts & I asked my advisor (NDL) about it, as I'd heard the same on here, he said as long as all my expenditure is listed correctly & that is what I'm left with, it's fine. I don't understand as 1 says 1 thing & 1 says another xxx

sarbaz2007

broken_spirit wrote: »

:rotfl::rotfl::rotfl:Thanks. My docs been trying 2 get me 2 have them taken out 4 the last 10yrs! But me an anaesthetics don't mix, that's what I'm worried about. I get it at least 4 times a yr & I've only just got rid of it 2wks ago & it's back already

I had the same thing happen to me all the time.
Only option to take them out once and for all.
Just one small note have a full blown meals few days before your op as you want be eating for a week.:D

broken_spirit

sarbaz2007 wrote: »

I had the same thing happen to me all the time.
Only option to take them out once and for all.
Just one small note have a full blown meals few days before your op as you want be eating for a week.:D

I'm gonna hav 2 think about it. Won't bore u all by going in2 every detail but I almost died after an anaesthetic 7yrs ago, some allergic reaction. If they could give me a local i'd hav them out 2moro, but I don't think that's possible. get my DRO out of the way 1st, don't want 2 leave my family all my debts, lol :rotfl::rotfl::rotfl:

sarbaz2007

one last thing, im taking in my partners statements which is where the WTC and CTC have been going for the last few months but the direct debits for mobile and insurance etc. were coming out of my account which is the one with the overdraft that i need to include on my DRO.
Would i still need to provide statements from that account or could i give staments from another account which i was not using to show my name or is partners statement enough?