Debt Relief Orders (DRO) - Information & help thread

Orville

sarbaz2007 wrote: »

If you are currently in contract on a mobile phone how do you include this on a DRO, should you wait for collection letters with full amount owed, if not how do you determine what amount to put?

Also are you allowed to be in contract if you can afford to keep it?

If you are on contract you can easily work this out by phoning the mobile company and asking for a early termination figure. They should be able to work this out over the phone. (Of course you would have to take into account any charges on your current bill that you maybe liable for). All i did was add it together and put a bit extra on top to cover it. There were no problems.

sillymoo2012

Just a quick question, just wondering if anyone has ever been contacted by the insolvency service during the 12 months of the dro? My intermediary said they can contact you at anytime during the 12 months but I've heard nothing.....is this normal?

caz2003uk

sillymoo2012 wrote: »

Just a quick question, just wondering if anyone has ever been contacted by the insolvency service during the 12 months of the dro? My intermediary said they can contact you at anytime during the 12 months but I've heard nothing.....is this normal?

Im 7 months in to my DRO and not heard a thing so... who know's if I'll hear anything between now and the end of the moratorium period, I've not heard of anyone being contacted during the DRO once approved but someone else might have

scholars13

Hello all.
Im currently nearly 4 years into an independently arranged reduced payment plan with my creditors.
I want to know:

- if I am able to apply for a credit card yet to help improve my credit file - vanquis or similar?

many thanks.....

immoral_angeluk

I think you might be on the wrong thread scholars.... try debt free wannabe. This is the debt relief order board!

Orville

scholars13 wrote: »

Hello all.
Im currently nearly 4 years into an independently arranged reduced payment plan with my creditors.
I want to know:

- if I am able to apply for a credit card yet to help improve my credit file - vanquis or similar?

many thanks.....

Why would you want a card when you are in a reduced payment plan?.

Have you learn't nothing?.

sarbaz2007

If you have a halifax credit card that will be include on the DRO, would it be okay to have you normal bank account with lloyds tsb as it is you running account now or would this be a problem as they are part of the same banking group?

fatbelly

sarbaz2007 wrote: »

If you have a halifax credit card that will be include on the DRO, would it be okay to have you normal bank account with lloyds tsb as it is you running account now or would this be a problem as they are part of the same banking group?

I've not heard of this combination causing a problem but the two 'bits' are getting closer together and it may be safer to bank outside that group.

every_cloud_2

Got a letter on the 19th April from the IS letting me know that my DRO has been approved! - sighed a huge big sigh a relief, then - horror of horrors .. one of my credit cards is showing as £1.190.55 instead of £1.241.76!
I've obviously given my debt advisor at the CAB an out of date statement so the mistake is entirely mine - will i have to pay the £51.21 difference myself?
I'm so worried that I'll start getting charged interest and before I know it the bill will escalate and i'll be out of my depth again.
Can't believe I could be so stupid

fatbelly

every_cloud wrote: »

Got a letter on the 19th April from the IS letting me know that my DRO has been approved! - sighed a huge big sigh a relief, then - horror of horrors .. one of my credit cards is showing as £1.190.55 instead of £1.241.76!
I've obviously given my debt advisor at the CAB an out of date statement so the mistake is entirely mine - will i have to pay the £51.21 difference myself?
I'm so worried that I'll start getting charged interest and before I know it the bill will escalate and i'll be out of my depth again.
Can't believe I could be so stupid

OK. Chill.

This often happens and theoretically they can pursue you for the difference.

But I've never known it happen.

They are allowed to send statements through the moratorium period so that's not a problem. You can assume that everything's OK unless you get anything out of the ordinary from the DRO Unit or a creditor.