Debt Relief Orders (DRO) - Information & help thread

hayley11

Ask them to send you something then? Or could you wait until you get your next statement?

debrag

I don't get statements from these credit cards thats the problem

hayley11

Oh I see. Well they should definitely send you something then.

debrag

I shall try ringing them to change my address and ask for them to send me a balance.

Might go into the banks to do this.

I 'think' I've found them on a credit report. MBNA being Bank of Scotland and my Capital One & my two banks though none have the company names.

Will email IS later today.

want2bfree84

My friend has just sent all his stuff off to CCCS (statements, experian report etc etc), and is now wondering how long it will take to go through

He's disabled and is now being sent letters by creditors who are adding fines left, right and centre on to his account

How long should is take to be sent the bar code to pay the £90 and then how long after that to be put into action?

Thanks v much

debrag

Sent everything off today so hope thinks work out.

jojane25

I'm married with 2 children under 3, i dont work as childcare would be more than i earn
we are really struggling with our debts, we have joint debts which we can keep up with but my credit card and catalogue debts are just not possible to pay,

- does anyone know where i can find 'recommended' values for household expenditure
- would tax credit overpayment be included or because they are joint would still need to be paid back by my husband?
-do i incude my husbands personal debt payments in household expenditure? as not part of the DRO
- my husband owns a pc - paid for via hire purchase so would that not be classed as mine?
- car is in husbands name so would that be fine?
- only money i get is child benefit and tax credits - so is my husband allowed more than £50 disposable income or is it based on the household?

thanks

debrag

got a missed call from the IS today will phone back tomorrow, wonder what they want.

elfieb

debrag wrote: »

got a missed call from the IS today will phone back tomorrow, wonder what they want.

Oooohh that would drive me crackers over night wondering what they want!

debrag

elfieb wrote: »

Oooohh that would drive me crackers over night wondering what they want!

hopefully it's nt bad news