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Debt Relief Orders (DRO) - Information & help thread

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  • immoral_angeluk
    immoral_angeluk Posts: 24,506 Forumite
    10,000 Posts Combo Breaker
    rira wrote: »
    Quick q re docs to send in: As I have a lot of papers to send in. so I send the ENTIRE award notice (6 pages!!), or just the 2 pages concerning weekly payments and money stuff?
    Just the pages with details of payments is fine.
    Total 'Failed Business' Debt £29,043
    Que sera, sera. <3
  • jonnyjackov
    jonnyjackov Posts: 330 Forumite
    Was hoping some kind soul would be able to help me with 3 questions re my DRO which was granted last July,

    1. My DRO was approved in July 2010. IIn November I got a letter from the council saying I owed £240 council tax from 1992/93, nearly 20 years ago! This is the first they have contacted me in at least 10 years, and I'm still at the same address etc. I was sure I had paid, but they want proof and my bank say they can't go back that far to check their records. I contacted the council and told them about my DRO, and also my ill health due to diabetes complications and depression, but they aren't interested and say it wasn't included in the DRO and I have to pay it. They say they also have Liability Order for this amount, issued in 1995, but I honestly have problems remembering last week never mind 15-20 years ago. I had bailiffs turn up last week at my mums house, and panicked and offered £10 per month which was accepted by the council. I have paid my first £10, but am unsure if I have done the right thing?

    2. In July it will be 12 months since my DRO was approved. Is there a web site that tells me what I need to do next. I think I need to check my credit file or something, I presume my debts should stay on there for 6 years and also the DRO notice.

    Thank you in advance for any advice you can give.

    John
  • scarlet55
    scarlet55 Posts: 21,780 Forumite
    Rampant Recycler
    Was hoping some kind soul would be able to help me with 3 questions re my DRO which was granted last July,

    1. My DRO was approved in July 2010. IIn November I got a letter from the council saying I owed £240 council tax from 1992/93, nearly 20 years ago! This is the first they have contacted me in at least 10 years, and I'm still at the same address etc. I was sure I had paid, but they want proof and my bank say they can't go back that far to check their records. I contacted the council and told them about my DRO, and also my ill health due to diabetes complications and depression, but they aren't interested and say it wasn't included in the DRO and I have to pay it. They say they also have Liability Order for this amount, issued in 1995, but I honestly have problems remembering last week never mind 15-20 years ago. I had bailiffs turn up last week at my mums house, and panicked and offered £10 per month which was accepted by the council. I have paid my first £10, but am unsure if I have done the right thing?

    2. In July it will be 12 months since my DRO was approved. Is there a web site that tells me what I need to do next. I think I need to check my credit file or something, I presume my debts should stay on there for 6 years and also the DRO notice.

    Thank you in advance for any advice you can give.

    John
    i cant give you any advice regarding the council, only that now you have started paying it you have as good as admitted it.....regarding your credit file clean-up....your debts should show as settled once the dro has finished, but ur dro will show up for 6 years....go on the bankruptsy board...there is very good advice from fermi about cleaning up your credit file...i know it was put there for bankrups but it is the same for dro's.....well done by the way on nearing the end of your journey, and good luck for the future.....i still have 10 month till the end of my dro.....:)
  • mazzatee
    mazzatee Posts: 130 Forumite
    Hi there

    Re the old council tax bill you will be liable for this and should continue to make payments as agreed. If this debt pushes your debt total over £15,000 then you should notify the DRO Unit at Plymouth Insolvency Service as it will mean your DRO will be revoked and you will become liable for all of your debts.
  • scarlet55
    scarlet55 Posts: 21,780 Forumite
    Rampant Recycler
    mazzatee wrote: »
    Hi there

    Re the old council tax bill you will be liable for this and should continue to make payments as agreed. If this debt pushes your debt total over £15,000 then you should notify the DRO Unit at Plymouth Insolvency Service as it will mean your DRO will be revoked and you will become liable for all of your debts.
    ....i dont think he will be daft enough to notify the dro unit....especially as his dro finishers in a few weeks and he'l b debt free.......would you...?
  • Penelope_Penguin
    Penelope_Penguin Posts: 17,242 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker I've been Money Tipped!
    scarlet55 wrote: »
    ....i dont think he will be daft enough to notify the dro unit....especially as his dro finishers in a few weeks and he'l b debt free.......would you...?

    From the DRO Intermediary Guidance notes regarding this "...... failure to disclose this additional debt may result in criminal and/or civil sanctions"
    :rudolf: Sheep, pigs, hens and bees on our Teesdale smallholding :rudolf:
  • scarlet55
    scarlet55 Posts: 21,780 Forumite
    Rampant Recycler
    From the DRO Intermediary Guidance notes regarding this "...... failure to disclose this additional debt may result in criminal and/or civil sanctions"
    ..well it obviousely wasnt on his credit report, and anyway he hasnt said it would take him over the £1500 limit........
  • immoral_angeluk
    immoral_angeluk Posts: 24,506 Forumite
    10,000 Posts Combo Breaker
    scarlet55 wrote: »
    ....i dont think he will be daft enough to notify the dro unit....especially as his dro finishers in a few weeks and he'l b debt free.......would you...?
    He is legally obliged to...
    Total 'Failed Business' Debt £29,043
    Que sera, sera. <3
  • scarlet55
    scarlet55 Posts: 21,780 Forumite
    Rampant Recycler
    He is legally obliged to...
    ok immoral fair enough....but there are a few on this forum who have had dro's.....posting on other threads and boasting about what they have bought, costing hundreds of pounds...also not declaring to the OR about there full income, and bragging that they have "quite enough to live on thankyou very much ".....they are the ones that need their dro's revoking....it really annoys me when there are genuine people out there who desperately need help but are just over the limit, and then there are others who are just laughing in the OR's face..........
  • Penelope_Penguin
    Penelope_Penguin Posts: 17,242 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker I've been Money Tipped!
    scarlet55 wrote: »
    ..well it obviousely wasnt on his credit report, and anyway he hasnt said it would take him over the £1500 limit........

    Credit reports are for credit debt - utilities, council tax and the like aren't listed there. Doesn't mean that the DRO unit won;t get to hear of it.

    What the OP choses to do is up to them. In light of poster(s) suggesting that the OP not disclose this debt to the DRO unit, I'm simply giving a contrasting POV and giving my reason for it :)
    :rudolf: Sheep, pigs, hens and bees on our Teesdale smallholding :rudolf:
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