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Debt Relief Orders (DRO) - Information & help thread

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  • Linny123
    Linny123 Posts: 7 Forumite
    Yea I know just worried def not a regular thing most won was £100 jus lit scared I have emailed my official receiver and will see what she says tomo fingers crossed thanks for your quick reply hun xxx
  • fatbelly
    fatbelly Posts: 22,945 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Cashback Cashier
    Linny123 wrote: »
    Yea I know just worried def not a regular thing most won was £100 jus lit scared I have emailed my official receiver and will see what she says tomo fingers crossed thanks for your quick reply hun xxx

    What have you said to the official receiver ?!?
  • Linny123
    Linny123 Posts: 7 Forumite
    All I said was is there any problems with my account as received a new arrears letter , not mentioned the bingo not sure if I should xx
  • sourcrates
    sourcrates Posts: 31,516 Ambassador
    Part of the Furniture 10,000 Posts I've been Money Tipped! Name Dropper
    Linny123 wrote: »
    I have emailed my official receiver and will see what she says tomo fingers crossed thanks for your quick reply hun xxx
    fatbelly wrote: »
    What have you said to the official receiver ?!?

    Ugh you should not have done that..........

    You are not checked up on by anyone, £100 is nothing in the grand scheme of things, you should not have mentioned it, as now they may turn the spotlight on you.
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
  • Linny123
    Linny123 Posts: 7 Forumite
    Oh balls 🤦🏼!♀️ Don’t suppose I can delete an email lol I have no luck thought was doing right thing I struggle with anxiety and not knowing panicked me and stresses me which ain’t fair on little one having grumpy mum xx
  • sourcrates
    sourcrates Posts: 31,516 Ambassador
    Part of the Furniture 10,000 Posts I've been Money Tipped! Name Dropper
    Linny123 wrote: »
    All I said was is there any problems with my account as received a new arrears letter , not mentioned the bingo not sure if I should xx

    Oh that’s ok then, keep it that way.

    Letters are to be expected, you don’t need to tell anyone about them, especially the IS.

    Wait out your 12 months and don’t do anything daft.

    Good luck.
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
  • Linny123
    Linny123 Posts: 7 Forumite
    Thanks Hun appreciate the reply’s fingers crossed I just get an all one reply :)
  • fatbelly
    fatbelly Posts: 22,945 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Cashback Cashier
    Don't forget you can always run stuff past us first. I submit DROs nearly every day. There are other intermediaries on these boards. There are lots of posters who have had them or are currently in one.

    There's lots of experience here and we'll always advise in your best interest.
  • Linny123
    Linny123 Posts: 7 Forumite
    I def will in future , not heard anything back yet x
  • Hi all,

    I have recently been advised to apply for a DRO via stepchange, I paid the £90 on the barcode on friday at around 4pm and rang step change immediately to advise them, the advisor went through my forms with me and told me he would submit my application, would he have done this right away?

    Does anyone know how long it is currently taking to get a decision from the OR?

    Is the register updated immediately as soon as the decision is made or just daily, I seem to be checking the register all the time, I am so anxious about things



    Thank you
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