Debt Relief Orders (DRO) - Information & help thread

TheWhizzz_2

hi iv just been to cab regarding a DRO and he thinks we qualify he has told us that we are best to stop paying all our debts to our creditors as if we pay one debt and not another the o r will question why we have paid say a bank loan but not a credit card debt so have stopped paying everyone bar rent c tax gas and electric is this correct thing to do ??

we see the advisor again begining of july letters are coming in about our debt in the mean time

Widelats

TheWhizzz wrote: »

hi iv just been to cab regarding a DRO and he thinks we qualify he has told us that we are best to stop paying all our debts to our creditors as if we pay one debt and not another the o r will question why we have paid say a bank loan but not a credit card debt so have stopped paying everyone bar rent c tax gas and electric is this correct thing to do ??

we see the advisor again begining of july letters are coming in about our debt in the mean time

They said same thing to me, i think its right, pay your priority like utilities, rent and leave the rest.

debt_doctor

Well, this could be a first victory re DRO'S;

The DRO unit have said that if anyone is actually receiving payment from a pension (of any kind) then that will count as income, not an asset, so could have a DRO if they meet the other criteria.

DD

Godiva500

THANKS!! DD. Confirmed with Insolv Agency, and now going full steam ahead.

debrag

Does your landlord get told about a DRO?

elfieb

debrag wrote: »

Does your landlord get told about a DRO?

99% sure that they dont get told. Debt Doctor would be able to tell you for definate, but Im pretty sure they dont

debrag

This may be the route for me, though I'm applying to the Police so have to wait to see how that goes first

debt_doctor

elfieb wrote: »

99% sure that they dont get told. Debt Doctor would be able to tell you for definate, but Im pretty sure they dont

Hi,

The DRO unit ONLY contact those you owe money to. There is no routine LL contact or bank contact either.

DD

Godiva500

Hi
I got my DRO on 21/5/09. On the same day, one of my pensions was paid into my old bank account in error, even though it was frozen, and i had no access. On the 22/9/09 HSBC closed the account. I phoned them and they refused to send it back to pension company, as it was not a state benefit. Neither of us knew about the date of the DRO at that time.
As I was DRO on the same day,can I or the OR now ask for it to be sent back, as it would contravene the rules of the DRO?

To be honest if the OR can claim it and spread it through all my creditors, I would rather that then HSBC getting the lot - they have been a nightmare!!

I had a clean slate for about 2 hours , but that was my rent, so will be in debt again as soon as I have started again!! It is so frustrating!!

Advice gratefully received.

charlie12345_2

Any idea the wait time at the moment from sending off the DRO application to having a reply/ appearing on insolvency register?