Debt Relief Orders (DRO) - Information & help thread

scarlet55

b.s do u mind me asking wot town u r in ?

Orville

broken_spirit wrote: »

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:

They probably won't give a local because your jaw may have to be dislocated so they can get at em...

I had mine done years ago under a general and when i woke up each edge of my mouth was how can i say split where they had been getting an angle to pull them out.... (Was in a bit of pain for a couple of weeks after that.)

broken_spirit

Orville wrote: »

They probably won't give a local because your jaw may have to be dislocated so they can get at em...

I had mine done years ago under a general and when i woke up each edge of my mouth was how can i say split where they had been getting an angle to pull them out.... (Was in a bit of pain for a couple of weeks after that.)

Cheers 4 that Orville, lol :rotfl::rotfl::rotfl:I have been told that when you're older it's a much more complicated surgery, with much more bleeding :eek:

broken_spirit

scarlet55 wrote: »

b.s do u mind me asking wot town u r in ?

No, but I'll p.m u, just in case x

broken_spirit

scarlet55 wrote: »

ok but just ring first to see if you get the same message...u never know the backlog may have cleared....if u can afford the taxi then go cuz at least then you will know one way or another...i think if u can get in it wont be a 7 wk wait....and if they are still closed then u can just concentrate on what u are doing with ndl and u wont be thinking wot if....:):):)

Good idea. Actually I'm not sure I can afford the taxi this week, so may just try the redial method like you suggested. Our local CABs only tiny, so I understand they're probably rushed off their feet at the moment. But I do prefer the face 2 face sevice they provide. So, we'll see. Think Orville's trying 2 give me nightmares!!:rotfl::rotfl::rotfl:

scarlet55

Orville wrote: »

They probably won't give a local because your jaw may have to be dislocated so they can get at em...

I had mine done years ago under a general and when i woke up each edge of my mouth was how can i say split where they had been getting an angle to pull them out.... (Was in a bit of pain for a couple of weeks after that.)

bloody ell orville glad im not having mine out after reading this lol..:(

scarlet55

hey orville did u notice im a stalwart now instead of a convert ...got 2 stars now lol...:T:T:T

broken_spirit

scarlet55 wrote: »

hey orville did u notice im a stalwart now instead of a convert ...got 2 stars now lol...:T:T:T

I don't understand the star business Bit thick!

scarlet55

neither do i lol:)

sarbaz2007

Statement of Affairs and Personal Balance Sheet

Household Information
Number of adults in household........... 2
Number of children in household......... 1
Number of cars owned.................... 1

Monthly Income Details
Monthly income after tax................ 377
Partners monthly income after tax....... 0
Benefits................................ 570
Other income............................ 0
Total monthly income.................... 947

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 21
Management charge (leasehold property).. 0
Council tax............................. 2
Electricity............................. 40
Gas..................................... 40
Oil..................................... 0
Water rates............................. 30
Telephone (land line)................... 30
Mobile phone............................ 50
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 13
Groceries etc. ......................... 380
Clothing................................ 10
Petrol/diesel........................... 100
Road tax................................ 15
Car Insurance........................... 87
Car maintenance (including MOT)......... 20
Car parking............................. 20
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 15
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 10
Haircuts................................ 12
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 10
Total monthly expenses.................. 917

Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 2200(owned by dad)
Other assets............................ 0
Total Assets............................ 2200
No Secured nor Hire Purchase Debts

Unsecured Debts
Description....................Debt......Monthly...APR
Social fund....................769.64....0.........0
Lloyds overdraft...............3000......0.........0
Natwest cheque.................3500......0.........0
T-Mobile.......................250.......0.........0
Next...........................750.......0.........0
Additions......................335.......0.........0
Very...........................307.......0.........0
Marshall ward..................460.......0.........0
Littlewoods....................140.......0.........0
Vanquis........................980.......0.........0
Aqua...........................845.......0.........0
Capital 1......................610.......0.........0
Total unsecured debts..........11946.64..0.........-


Monthly Budget Summary
Total monthly income.................... 947
Expenses (including HP & secured debts). 917
Available for debt repayments........... 30
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 30

Personal Balance Sheet Summary
Total assets (things you own)........... 2,200
Total HP & Secured debt................. -0
Total Unsecured debt.................... -11,946.64
Net Assets.............................. -9,746.64

Is this ok or do i stil need to fine tune it.
Calling up CAB tommorow. apart from credit reports do i need a balance from every creditor individually or is that all done by DRO team?

Thanks for everyone's help.:beer: