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Debt Relief Orders (DRO) - Information & help thread

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  • brownm0435
    brownm0435 Posts: 39 Forumite
    PPI Party Pooper
    edited 29 November 2013 at 12:14PM
    Thanks for the response Orville and Fatbelly. Paid this morning and it's been submitted so will be a tense weekend! Wouldn't surprise me if mine is one that is pulled out for closer scrutiny! Saying that all the information I provided went through smoothly and I rarely had to speak to StepChange (CCCS)!
  • National_Debtline
    National_Debtline Posts: 7,998 Organisation Representative
    Tenth Anniversary 1,000 Posts Combo Breaker
    Boo13 wrote: »
    Thanks I will try that now. Any tips on how to build up my credit rating?

    I really want to get a mortgage with my partner once the 6 years is up do you think this is possible?

    Hi again Boo

    I would suggest you have a look at this useful sticky thread titled "Cleaning up credit file post-bankruptcy" for a start:

    https://forums.moneysavingexpert.com/discussion/677875

    Though it refers to BR as opposed to DRO, the fundamental principles are the same.

    Regards

    Dennis @NDL
    We work as money advisers for National Debtline and have specific permission from MSE to post to try to help those in debt. Read more information on National Debtline in MSE's Debt Problems: What to do and where to get help guide. If you find you're struggling with debt and need further help try our online advice tool My Money Steps
  • Saturnalia
    Saturnalia Posts: 2,051 Forumite
    Hi all.

    I'm in a bit of a pickle. I got a DRO in July 2011 and today I have got a letter from a bailiff company regarding a debt from back then which was definitely included in the DRO. I called the creditor and they have no record of the DRO. Problem is I can't find my letter with the DRO info on it to give to them and my name isn't on the Insolvency Register either.

    Any ideas where/who I should contact to get this info? Would the DRO no. be on my credit report if I get one?
    Public appearances now involve clothing. Sorry, it's part of my bail conditions.
  • Orville
    Orville Posts: 1,906 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker PPI Party Pooper
    edited 29 November 2013 at 9:04PM
    Saturnalia wrote: »
    Hi all.

    I'm in a bit of a pickle. I got a DRO in July 2011 and today I have got a letter from a bailiff company regarding a debt from back then which was definitely included in the DRO. I called the creditor and they have no record of the DRO. Problem is I can't find my letter with the DRO info on it to give to them and my name isn't on the Insolvency Register either.

    Any ideas where/who I should contact to get this info? Would the DRO no. be on my credit report if I get one?

    Firstly don't panic :-)

    Give the Debt Relief order Unit a call on 01752 635 200 and ask if they can send you a discharge letter. There should be no problem what so ever. Also just tell them that your being hassled by a balliff company and see if they can send you a copy of the origional order with the included creditors on. :-)

    *Edit* Oh and when they do, don't lose it this time...lol
  • Saturnalia
    Saturnalia Posts: 2,051 Forumite
    That's brilliant Orville (and quick)! I thought there must be some way of getting a copy... just couldn't work out how.
    Public appearances now involve clothing. Sorry, it's part of my bail conditions.
  • Orville
    Orville Posts: 1,906 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker PPI Party Pooper
    Saturnalia wrote: »
    That's brilliant Orville (and quick)! I thought there must be some way of getting a copy... just couldn't work out how.

    Your welcome :-)
  • brownm0435
    brownm0435 Posts: 39 Forumite
    PPI Party Pooper
    Word of advise! Don't apply for a DRO on a Friday! I've had the extra wait with the weekend and I am still awaiting confirmation on the IIR! The suspense is driving me nuts!!!
  • Orville
    Orville Posts: 1,906 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker PPI Party Pooper
    brownm0435 wrote: »
    Word of advise! Don't apply for a DRO on a Friday! I've had the extra wait with the weekend and I am still awaiting confirmation on the IIR! The suspense is driving me nuts!!!

    Ha ha yeah the wait is a killer isn't it :-)
  • brownm0435
    brownm0435 Posts: 39 Forumite
    PPI Party Pooper
    Orville wrote: »
    Ha ha yeah the wait is a killer isn't it :-)
    Bigtime its horrible!
  • brownm0435
    brownm0435 Posts: 39 Forumite
    PPI Party Pooper
    brownm0435 wrote: »
    Bigtime its horrible!


    Looks like nothing is happening today :(
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