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Debt Relief Orders (DRO) - Information & help thread

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  • jenniewb
    jenniewb Posts: 12,842 Forumite
    Part of the Furniture 10,000 Posts Photogenic Combo Breaker
    I am not sure if anyone can help me but I have a question (I think I know the answer but am asking anyway- just in case!)

    Have just applied for a DRO friday, I paid the £90 and am awaiting confirmation that its all going through.

    I included all my debts but not my utilities, why? because I didn't realise I was in £250 arrears!

    As I have had the forms submitted, have paid the barcode already, is it too late now? can I get this utilities debt included in some way? or am I still stuck with that debt? does anyone know?
  • elfieb
    elfieb Posts: 530 Forumite
    jenniewb wrote: »
    I am not sure if anyone can help me but I have a question (I think I know the answer but am asking anyway- just in case!)

    Have just applied for a DRO friday, I paid the £90 and am awaiting confirmation that its all going through.

    I included all my debts but not my utilities, why? because I didn't realise I was in £250 arrears!

    As I have had the forms submitted, have paid the barcode already, is it too late now? can I get this utilities debt included in some way? or am I still stuck with that debt? does anyone know?

    Unfortunately after the form have been submitted, it is too late to include other debts that you have omitted.
    I used to be Snow White, but I drifted.
    Mae West
  • Gav_got_debt
    Gav_got_debt Posts: 5 Forumite
    Hi all just seeing if I can post
  • jenniewb
    jenniewb Posts: 12,842 Forumite
    Part of the Furniture 10,000 Posts Photogenic Combo Breaker
    elfieb wrote: »
    Unfortunately after the form have been submitted, it is too late to include other debts that you have omitted.


    Thanks, Damn! Not groundbreaking as I am on a special poor-persons tarrif but am kicking myself for missing that one out!
  • jo2000
    jo2000 Posts: 7 Forumite
    Hi, Im new to DRO. I would like to consider a DRO. However most of my debts are in joint names and the other party is AWOL. If the other party was to get a DRO, can I get mine?
  • enigma52
    enigma52 Posts: 642 Forumite
    help please, if I have debts of say £7500, plus in arrears with CSA (in debt) of £8000 although I cannot put csa debt on DRO would I have to include it as it would take me over the £15k upper limit
  • debt_doctor
    debt_doctor Posts: 4,595 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Hi,

    The debt should go on the form although your intermediary would mark it as an 'excluded debt' so it would not be counted towards the 15k limit.

    DD
    Debt Doctor, Debt caseworker, Citizens' Advice Bureau .
    Impartial debt advice services: Citizens Advice Bureau Find your local CAB *** National Debtline - Tel: 0808 808 4000*** BSC No. 100 ***
  • enigma52
    enigma52 Posts: 642 Forumite
    I get DLA, HRM &MRC how do I show these on my SOA, as I believe they do not count towards my income
  • CCCS_Alan
    CCCS_Alan Posts: 282 Organisation Representative
    jo2000 wrote: »
    Hi, Im new to DRO. I would like to consider a DRO. However most of my debts are in joint names and the other party is AWOL. If the other party was to get a DRO, can I get mine?

    Hi Jo2000

    You will have joint and several liability for the joint debts, so if one of you goes for a DRO they can still pursue the other party for the money owed, but if both of you were on separate DRO’s (assuming you qualify) the creditors could not pursue the debt.

    Hope this helps

    CCCS_Alan
    I am a Debt Counsellor that works for the CCCS and have specific permission from Martin, to post on these boards to try and help those in debt. Read more information on the CCCS and what it does in the Debt Problems: What to do and where to get help article.

    CCCS is a registered charity, and there is no charge whatsoever for any of the services we provide to our clients. We take great pride in offering first class help and advice, but we only offer this where we have been able to fully explore and understand your circumstances with you. We want to help you understand these choices and their possible implications but not make them for you.
  • mr_pickles_2
    mr_pickles_2 Posts: 40 Forumite
    Hello
    My husband has one debt to Lloyds (roughly £1100.00) in his name only. His only income is Carers Allowance which is £53.10 per week.(our only other income is benefits which are in my name) could he apply for a DRO, or.... I will be applying for a DRO for my debts so could I include his debt in with my own DRO?
    Thank you for any advice in advance
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