Debt Relief Orders (DRO) - Information & help thread

vodooelephant

. . . . . . . . . .

fatbelly

Hi Voodoo

I just wanted to say that I've read your posts and elfie's take on this seems sound.

I'm going to give it some thought :think: and if I come up with anything I'll let you know.

I agree it's very annoying.

debt_doctor

I think elfiebs comments have been spot on.If you obtain assets of over £300 during a DRO then there is every chance it will be revoked.

The option of bankruptcy is still there as in BR backdated benefits do not vest in the trustee so cannot be claimed.You could spend it as you choose. would have to prove a need for the car though rather than a want.

DD

cupcake83

christine.pearce25 wrote: »

has any body applied for a DRO through Baines and Ernst recently, and if so how long is the waiting list/or did it take from start to finish?? thank you

Hi, I'm trying to contact Baines and Ernst at the moment so will let you know when I get through.

cupcake83

christine.pearce25 wrote: »

Sorry to be a pain, but just wandered what is considered an average spend on food, clothes and toiletries for a family of 4 per month?? thanks

Oh and maybe you could post your own SOA then we can try and offer some advise (unfortunately I can't post the link to do the SOA as I'm new, but hopefully someone will be along soon that can).

elfieb

christine.pearce25 wrote: »

has any body applied for a DRO through Baines and Ernst recently, and if so how long is the waiting list/or did it take from start to finish?? thank you

Have you saught advice regarding a DRO from any of the debt charities?
If not, I would certainly be doing this first before contacting B&E.

Keeping_Positive

christine.pearce25 wrote: »

forgot to say, thank you cupcakes and anyone else who can give me any advice on this matter. As you can see I am in financial trouble and need to sort it. thank you.

£500 is alot for groceries but anyways I can clearly see things are beyond tight. Try the online CCCS debt remedy. It asks you for your SOA info then gives advise. I think but not sure it might even say if you are too high on some areas.

Just google it.

CCCS themselves are really helpful so worth taliking too even if you go through someone else like the CAB for the DRO.

Good luck

philnicandamy

christine.pearce25 wrote: »

Thank you. Your comments are appreciated. By Charity organisations, do you mean someone like CAB??

yep

CAB...CCCS (consumer credit councelling service) National Debtline

cupcake83

christine.pearce25 wrote: »

forgot to say, thank you cupcakes and anyone else who can give me any advice on this matter. As you can see I am in financial trouble and need to sort it. thank you.

Hi Christine,

Just to let you know I got through to B&E today application has been completed over the telephone and the barcode in which to pay the £90 is being sent out in the post today, will update you to progress soon.

Also if you haven't done so already you really should seek advice regarding a DRO from CAB, CCCS or National Debtline etc, its important that your clear on the implications, criteria etc.

I want to stress that I sought advice through CCCS who were really helpful, they advised me that a DRO was my best option and I only contacted B&E to hurry the process up as CCCS had a long waiting time.

cupcake83

Oh and wanted to add that if you contact CCCS, CAB, National Debtline etc they can also go through your SOA with you, some things do look a little high such as electricity, petrol, clothing, but they will know what is reasonable and whether you could reduce any outgoings.

Good luck and hope you get some help soon.