Debt Relief Orders (DRO) - Information & help thread

fatbelly

ItsMeBilly1974 said:

Hmm odd. Does it usually show in the register before it they send the approval emails?

Also when step change submit is it just the application of is it also all the supporting documents that go to the insolvency practitioner?

I may seem impatient but I started this before lockdown. Then left it only to pick things back up in June and it’s been 5 solid months getting to this stage. I hope it’s worth the wait! 

No-one sends any supporting documents (except in very rare cases) - those documents are just sent to stepchange so that the intermediary can cover their a** if anything goes wrong.

The general pattern is 
intermediary presses submit
next day - DRO Team does basic checks ( fee paid, credit file, insolvency register)*
next day - dro approved emails to intermediary and all creditors
next day - entry appears on register

*If the £90 fee not paid they will continue to check for it for 10 working days, then reject the application.

As long as the fee is paid there is 99% chance that this will go through OK. 

JonVarnas

It's surprisingly quick. I recently entered a DRO and my process was:

1. Submitted by Stepchange on Friday.
2. Received acceptance email from Insolvency Service on following Wednesday.
3. DRO was on Insolvency register and credit file the next day.

The Insolvency Service does the rest so really once your application has been submitted you don't have worry about it. They're quick contacting the creditors named as well - My water company and the DWP were notified within a week. Not heard anything from my other companies so far.

Shakeyatictacs

Hi, I applied for a DRO last November 2019, so is due to be completed on 25th November 2020. I have just been offered a full time position which will increase my pay. This will not effect my wages until 28th November, so do I still need to inform my OR? 

Thank you in advance for any replies 
Charlean 

ItsMeBilly1974

fatbelly said:

ItsMeBilly1974 said:

Hmm odd. Does it usually show in the register before it they send the approval emails?

Also when step change submit is it just the application of is it also all the supporting documents that go to the insolvency practitioner?

I may seem impatient but I started this before lockdown. Then left it only to pick things back up in June and it’s been 5 solid months getting to this stage. I hope it’s worth the wait! 

No-one sends any supporting documents (except in very rare cases) - those documents are just sent to stepchange so that the intermediary can cover their a** if anything goes wrong.

The general pattern is 
intermediary presses submit
next day - DRO Team does basic checks ( fee paid, credit file, insolvency register)*
next day - dro approved emails to intermediary and all creditors
next day - entry appears on register

*If the £90 fee not paid they will continue to check for it for 10 working days, then reject the application.

As long as the fee is paid there is 99% chance that this will go through OK. 

Thank you. Check the register at 7 am was on there! Emailed at 9:50am.

Just a waiting game to see the utility bill accounts sort out whatever it is they do so I can know going forward I only pay for future usage. 

Same with council tax as there is still Nov -March to pay for. 

sourcrates

Shakeyatictacs said:

Hi, I applied for a DRO last November 2019, so is due to be completed on 25th November 2020. I have just been offered a full time position which will increase my pay. This will not effect my wages until 28th November, so do I still need to inform my OR? 

Thank you in advance for any replies 
Charlean 

No you don`t need to inform anyone.

Your DRO will have completed on the 25th, well done.

fatbelly

ItsMeBilly1974 said:

fatbelly said:

ItsMeBilly1974 said:

Hmm odd. Does it usually show in the register before it they send the approval emails?

Also when step change submit is it just the application of is it also all the supporting documents that go to the insolvency practitioner?

I may seem impatient but I started this before lockdown. Then left it only to pick things back up in June and it’s been 5 solid months getting to this stage. I hope it’s worth the wait! 

No-one sends any supporting documents (except in very rare cases) - those documents are just sent to stepchange so that the intermediary can cover their a** if anything goes wrong.

The general pattern is 
intermediary presses submit
next day - DRO Team does basic checks ( fee paid, credit file, insolvency register)*
next day - dro approved emails to intermediary and all creditors
next day - entry appears on register

*If the £90 fee not paid they will continue to check for it for 10 working days, then reject the application.

As long as the fee is paid there is 99% chance that this will go through OK. 

Thank you. Check the register at 7 am was on there! Emailed at 9:50am.

Just a waiting game to see the utility bill accounts sort out whatever it is they do so I can know going forward I only pay for future usage. 

Same with council tax as there is still Nov -March to pay for. 

Well done The register seems to be updated really early in the day - maybe 6 a.m.

fatbelly

Shakeyatictacs said:

Hi, I applied for a DRO last November 2019, so is due to be completed on 25th November 2020. I have just been offered a full time position which will increase my pay. This will not effect my wages until 28th November, so do I still need to inform my OR? 

Thank you in advance for any replies 
Charlean 

In your case the answer is no as the change in income takes effect outside the moratorium period. Excellent timing!

Shakeyatictacs

Thank you both for your replies. It’ll be nice to have a months full time wage. It’s been hard surviving the last few years. 

Thank you again. 

tedlewis355

It would be nice if the £20k DRO limit was raised a little 

fatbelly

tedlewis355 said:

It would be nice if the £20k DRO limit was raised a little 

Yes it would