Debt Relief Orders (DRO) - Information & help thread

scarlet55

think id stick with cab if u can get in they do seem to do a quick turnaround...or there is always cccs or the ndl...it has to be with some-one who are trained advisers at dro's...

sarbaz2007

scarlet55 wrote: »

think id stick with cab if u can get in they do seem to do a quick turnaround...or there is always cccs or the ndl...it has to be with some-one who are trained advisers at dro's...

Ill drop in and let you know soon of the outcome.

scarlet55

sarbaz2007 wrote: »

Ill drop in and let you know soon of the outcome.

ok hope everything goes well for you

Diddley_Squat

Really sorry of this is in the wrong place, please move if it is.

My friend has applied for a DRO is now just waiting to see if approved but I have a question regarding help with prescriptions and dental if someone can help.

She has a form HC1 as she cannot afford to get her prescriptions for blood pressure meds so is going without. She got the form in the hope that she will qualify for free scripts and dental work.

Out of her monthly pay she is lucky if she has a fiver to her name once all bills, rent and council tax are paid. I have looked at how they work out if you qualify but can't make head nor tail of it. Do you think she has a chance of having help and will being in the process of applying for a DRO matter in any way?

Many thanks.

Edit: Forgot to say she has her son living with her temporarily who works but his money is tied in a mortgage and child support as he is separated from his wife and children. Will this make any difference to the outcome?

Sorry for asking more than one question.

broken_spirit

scarlet55 wrote: »

okey dokey...talk later xx

Ok missus, I'm back, here goes.................:-
Completed SOA
List of creditors & estimated balances
Signed debt relief order conditions
Consent form
Experian report
Letter from IS
Letter from CTC
Pension statement
Halifax statement (printed myself, is that ok?)
Natwest statement.

Now, I haven't got proof of CB or DLA, I've rang up & asked 4 them 2 be sent 2 me............would it be ok 2 send them on when I receive them, or will the bank statements be proof enough?
I think I may put a covering letter in2, but they may need a truck 2 !!! & pick it all up by the time I've finished!!!!:)

scarlet55

Diddley_Squat wrote: »

Really sorry of this is in the wrong place, please move if it is.

My friend has applied for a DRO is now just waiting to see if approved but I have a question regarding help with prescriptions and dental if someone can help.

She has a form HC1 as she cannot afford to get her prescriptions for blood pressure meds so is going without. She got the form in the hope that she will qualify for free scripts and dental work.

Out of her monthly pay she is lucky if she has a fiver to her name once all bills, rent and council tax are paid. I have looked at how they work out if you qualify but can't make head nor tail of it. Do you think she has a chance of having help and will being in the process of applying for a DRO matter in any way?

Many thanks.

hi didley squat....i have no idea if she will qualify, she may be able to get them at reduced costs...it shouldnt make any difference that she has applied for a dro as she is not asking for credit...tell her to have a word with someone from the CAB, they will be able to advise on whether she qualifies...sorry couldnt b more help....by the way she got her dro put thru quick, it wasnt long ago that you were asking for advice...tell her good luck, let us no when it gets approved...:):)

scarlet55

broken_spirit wrote: »

Ok missus, I'm back, here goes.................:-
Completed SOA
List of creditors & estimated balances
Signed debt relief order conditions
Consent form
Experian report
Letter from IS
Letter from CTC
Pension statement
Halifax statement (printed myself, is that ok?)
Natwest statement.

Now, I haven't got proof of CB or DLA, I've rang up & asked 4 them 2 be sent 2 me............would it be ok 2 send them on when I receive them, or will the bank statements be proof enough?
I think I may put a covering letter in2, but they may need a truck 2 !!! & pick it all up by the time I've finished!!!!:)

everything sounds ok to me...just send the letters on when you get them..as long as they have them for when they submit the dro...they might even be satisfied with just a bank statement altho they did want a recent letter off me from dwp just to prove how much you are getting when they submit it xxx:):):) forgot to say...year the statement u printed off will be fine...i printed all mine off xx

scarlet55

Diddley_Squat wrote: »

Really sorry of this is in the wrong place, please move if it is.

My friend has applied for a DRO is now just waiting to see if approved but I have a question regarding help with prescriptions and dental if someone can help.

She has a form HC1 as she cannot afford to get her prescriptions for blood pressure meds so is going without. She got the form in the hope that she will qualify for free scripts and dental work.

Out of her monthly pay she is lucky if she has a fiver to her name once all bills, rent and council tax are paid. I have looked at how they work out if you qualify but can't make head nor tail of it. Do you think she has a chance of having help and will being in the process of applying for a DRO matter in any way?

Many thanks.

Edit: Forgot to say she has her son living with her temporarily who works but his money is tied in a mortgage and child support as he is separated from his wife and children. Will this make any difference to the outcome?

Sorry for asking more than one question.

if he's only there temporarily i wouldnt bother telling them..

scarlet55

broken_spirit wrote: »

Ok missus, I'm back, here goes.................:-
Completed SOA
List of creditors & estimated balances
Signed debt relief order conditions
Consent form
Experian report
Letter from IS
Letter from CTC
Pension statement
Halifax statement (printed myself, is that ok?)
Natwest statement.

Now, I haven't got proof of CB or DLA, I've rang up & asked 4 them 2 be sent 2 me............would it be ok 2 send them on when I receive them, or will the bank statements be proof enough?
I think I may put a covering letter in2, but they may need a truck 2 !!! & pick it all up by the time I've finished!!!!:)

bloody hell they will need a truck for all that lot, and if ur credit report is anything like mine was.......10 pages..lol..:eek::eek::eek:

broken_spirit

scarlet55 wrote: »

bloody hell they will need a truck for all that lot, and if ur credit report is anything like mine was.......10 pages..lol..:eek::eek::eek:

I've just wrestled with it 4 10mins 2 get it all in the envelope.............had 2 resort 2 sellotape 2 hold the flap down!!! Very professional looking :rotfl::rotfl::rotfl:I've just re read my IS letter, if they read through it properly it's got a breakdown of all my benefits, so hopefully that will suffice. I've put in a polite covering letter asking them 2 contact me should they need anymore information xxx