Debt Relief Orders (DRO) - Information & help thread

joh33

Hi there,

Please help, i had a statatory demand services on me on the 1st of July, for £14133 from a factoring company. There was 2 directors in the company but it is only me they are chasing. I have not received any paperwork, from the factoring company or from the other director. I dont know what to do. Tried calling there solicitors but they wont come back to me.

CCCS_Alan

want2bfree84 wrote: »

Hi, right, well he got stuff through from CCCS:beer:

Just one question he has (sorry he has no internet connection) is, what it is exactly he needs to get from experian and why is this?

Hi Want2bfree84

The reason to ask for a copy of a persons credit report is to check that no debts have been forgotten about that may have to be included in the DRO, and to check that the balances of the debts total less than the £15000 limit.

Regards

CCCS_Alan

moneymouth77

Get a lawyer involved, explain everything, and they'll be able to advise you properly. It'll cost you, but you may be avoiding the better part of 14 grand, so it's probably worth it. No one here will be able to help you with that sort of situation without more facts, and I doubt you want to publish them here! Good luck, I hope it goes well!

single_mom_desperate

fatbelly wrote: »

Have you checked on to get a valuation for your car in poor condition?

You may be closer than you think...

Hi i checked the parkers site , bad private is £2300 , i have it up for sale as £2500 2 weeks now no luck yet im putting it in the auto traders next week as hoping for a quicker sale that way ! but when it is sold am i able to apply for a DRO then? will i then be eligible provoiding i can prove i used most of the money to pay off some of the money i owe to creditors ?

want2bfree84

Thanks CCCS_Alan
He has another question, I hope you don't mind helping. He has declared all his income (Which is only incapacity benefits) and hasn't said anything about child benefit/child tax credit as this goes into his wifes account for the children...I assume that's ok? His wife hardly had a penny either, but she's luckily not in personal debt.

ninjastriker

Can someone help with my question I made about the ppi and bank charges, on the last post Made. Please, I would like to get it sorted soon. Thanks

debrag

problems - everything is wrong.

too much income, half the stuff isn't down, rent too much, CT too much etc.

IS want documents from me - address, id, creditor info. Have do I get documentation on balances? I need 2 CC's and 2 OD's.

On the phone I was told I could correct items and send back but nothing says that in the info I've3 just received (2 day postal strike!!!)

elfieb

debrag wrote: »

problems - everything is wrong.

too much income, half the stuff isn't down, rent too much, CT too much etc.

IS want documents from me - address, id, creditor info. Have do I get documentation on balances? I need 2 CC's and 2 OD's.

On the phone I was told I could correct items and send back but nothing says that in the info I've3 just received (2 day postal strike!!!)

Let me get this right..........your DRO was approved by the intermediary, but IS want more information, or has it not gone through yet???

debrag

it's been submitted, if the OR is unable to satisfy my identiy, domicility and liabilities my application will be declined.

fatbelly

debrag wrote: »

it's been submitted, if the OR is unable to satisfy my identiy, domicility and liabilities my application will be declined.

Did you or your intermediary check your application details against your Experian report before submitting?