Debt Relief Orders (DRO) - Information & help thread

misteradam2005

The CCCS told me I had to get a credit check from Experian and they sent me a form.

The form (or the letter from CCCS) does not state anything about making any payment for this but I thought you had to pay???

sarah_barker

Hi, just spoke to Baines & Ersnt today who went ahead with my application, does anyone know the chances of it getting declined? I mean, is it very likely?

wba31

misteradam2005 wrote: »

The CCCS told me I had to get a credit check from Experian and they sent me a form.

The form (or the letter from CCCS) does not state anything about making any payment for this but I thought you had to pay???

I know experian will send a credit report for free if you apply online, you have to put your card details in but they only charge after 30 days for a monthly subscription, which can be cancelled before any payment is taken.
fill out your form and send it without payment, if Experian ask you to pay, do it for free through the Experian website!

fatbelly

misteradam2005 wrote: »

The CCCS told me I had to get a credit check from Experian and they sent me a form.

The form (or the letter from CCCS) does not state anything about making any payment for this but I thought you had to pay???

Experian have agreed to provide free reports to Approved Intermediaries who are setting up a DRO for a client. The forms they provide have 'free report' printed lightly on a diagonal across the form.

Trollfever

Debt Relief Orders - Competent Authorities:

http://www.insolvency.gov.uk/bankruptcy/DRO/auth.htm

Nickpearson_3

elfieb wrote: »

Baines and Ernst will be neither use nor ornament when it comes to advice!!
Hope you managed to get through to CAB, please let us know what they said.:p

Hi we have specialist income maximisation workers who can assist but if the situation requires protracted negotation with benfits agency etc we use a not for profit agency who can provide this service.

Numpty_Monkey

Baines_&_Ernst_company_representative wrote: »

Hi we have specialist income maximisation workers who can assist but if the situation requires protracted negotation with benfits agency etc we use a not for profit agency who can provide this service.

You are touting for business :mad::mad:

Reported to abuse:A

Flowers

Found a new job?

Income increased?

moved abroad?

Has it caused any problems with the IS?

Nickpearson_3

Numpty_Monkey wrote: »

You are touting for business :mad::mad:

Reported to abuse:A

Hi The post I responded to stated that Baines and Ernst were "neither use nor ornament" for beenfist advice. I am simply responding to that assertion with a bit of factual information. I am not touting for business as this is a service we don't advertise. It is very difficlut to respond to posts such as that one without saying something which someone may consider to be "touting for business."

anniecatz

The cccs reccomended this to me. How is this monitored after you have taken a DRO? What are the chances of this application going through?
I'm worried how it will affect my ability to get references for rented houses if I apply.
There is a chance I might get a better job, therefore be able to pay more within a year, is it worth it?
How do they check your income, once you have applied do you have to inform them of your finances on a regular basis, this seems like it could be very intrusive?
I'm considering this, but it seems like it may be more hassle, if indeed things do look up. Saying that the debt I owe is more than half incurred by bank charges and the opportunity to stitch them up, makes me happy and I've been struggling with this for more than 5 years- althoughare these orders funded by taxpayers, I don't want to stitch up other people?