Debt Relief Orders (DRO) - Information & help thread

scarlet55

broken_spirit wrote: »

:rotfl::rotfl::rotfl::rotfl::rotfl:Ur sooo bloody funny!!!! I think it must be a "general cat thing" as mines a girl & she's a real pain in the ****. I'll get myself off 2 bed or I won't want 2 get up & I've got docs 2moro 2 4 my tonsils I'll speak 2moro after I've rang NDL, if ur not online I'll pm u 2 let u know wots said. Good luck with the lie in..............think ur gonna need it, lol Nite xxx

nite b.s xx

scarlet55

Diddley_Squat wrote: »

Thanks fatbelly

She has a rented property but it hadn't been decorated for a long time so she used her inheritance to redecorate all rooms, replace old furniture and recarpet lounge and hall, stairs & landing. As I say she didn't receive much but it was enough to do just that. She is worried that if she is successful with her application that she should mention receiving the inheritance to her adviser.

i got my dro last week and the adviser never asks a question about have you had money...she doesnt have any now so it doesnt apply...tell her not to worry..:)

scarlet55

well i logged on to my lloyds account this morning to find that my cc account has disappeared...dont know iff thats a good thing or not...my loan account is still showing as is my current account..!!!!:)

broken_spirit

scarlet55 wrote: »

well i logged on to my lloyds account this morning to find that my cc account has disappeared...dont know iff thats a good thing or not...my loan account is still showing as is my current account..!!!!:)

I would think that's a good thing, hopefully they'll all follow suit shortly

lotsaquestions

I used the DRO section at gregory pennington to get my SRO sorted. Eooked just over 3 weeks in total and went through on the 14th April with no probs

scarlet55

im hoping one of you experts are on line or some-one who has had the same thing happen....iv just recieved a letter from dwp about my social fund as my dro was approved on the 7th april...it reads..".from 13 april we will stop taking money off your income support for social fund...you will now have to make your own arrangements to repay any money you still owe..at 13 april the amount you still owe will be 233-58"..is this a standed letter they send and will it be cleared at the end of my 12 month ?

fatbelly

scarlet55 wrote: »

im hoping one of you experts are on line or some-one who has had the same thing happen....iv just recieved a letter from dwp about my social fund as my dro was approved on the 7th april...it reads..".from 13 april we will stop taking money off your income support for social fund...you will now have to make your own arrangements to repay any money you still owe..at 13 april the amount you still owe will be 233-58"..is this a standed letter they send and will it be cleared at the end of my 12 month ?

Yes, it's a qualifying debt now and will be discharged at the end of the morotorium.

Not sure what the 'make your own arrangements' is about - you are prohibited from making payments towards debts (with a 'blind eye' being turned to rent arrears) that are scheduled in your DRO.

fatbelly

lotsaquestions wrote: »

I used the DRO section at gregory pennington to get my SRO sorted. Eooked just over 3 weeks in total and went through on the 14th April with no probs

Pleased that worked OK. They were one of the later additions to the competent authority list.

I take it they didn't charge anything apart from the statutory £90, or try to sell you anything extra.

scarlet55

fatbelly wrote: »

Yes, it's a qualifying debt now and will be discharged at the end of the morotorium.

Not sure what the 'make your own arrangements' is about - you are prohibited from making payments towards debts (with a 'blind eye' being turned to rent arrears) that are scheduled in your DRO.

ok thanks fatbelly...its perhaps just the standard letter they send like i said but i was a bit worried, anyway you have now put my mind at rest and if they contact me i will just send them a copy of my dro...thanks again..:)

Diddley_Squat

Hi again

Can someone please help me in clarifying what this particular sentence actually means.

"Fraudulently concealing, destroying or falsifying any books or documents relating to your affairs, during a period of 1 year before the application date and up to the end of the moratorium period".

If you come into money over £10000 and the intermediary adviser doesn't ask you what has occurred over the past 12 months so you don't tell them, is this a crime?

Also can you cancel a DRO once it has been submitted but before you get a yes or no?

Many thanks.