debt relief order "normal" living expenses

fermi

Trollfever wrote: »

New readers should be aware that the figures quoted in #5 were updated on 31st July 2009.

Latest are..........

Random_Rita

Hi there, could anyone please help me,

I have a difficult situation with some outstanding council tax debt, and wonder whether a DRO will be able to help.

I wondered whether it will mean that I have to give up my mobile phone and student bank account as it has a 1500 overdraft, which is currently maxed.

if anyone could help with these questions I would be very grateful. I need to stop the bailiffs from being able to access my home and am finding their attitudes very intimidating. Rossendales are very difficult to negotiate with. Has anyone else had problems with them?

Many Thanks xx RR xx

elfieb

Random_Rita wrote: »

Hi there, could anyone please help me,

I have a difficult situation with some outstanding council tax debt, and wonder whether a DRO will be able to help.
Council tax arrears can be included in a DRO.

I wondered whether it will mean that I have to give up my mobile phone and student bank account as it has a 1500 overdraft, which is currently maxed.
If you intend to include any of these in your DRO, then expect them both to cease. However if you are up to date with your mobile, and your monthly bill is within the trigger figures for a DRO, there is no reason you would have to give up your mobile.
Even if do not to include your overdraft in your DRO, you will have to declare it when applying.

if anyone could help with these questions I would be very grateful. I need to stop the bailiffs from being able to access my home and am finding their attitudes very intimidating. Rossendales are very difficult to negotiate with. Has anyone else had problems with them?

Many Thanks xx RR xx

Hope this helps.

Halcyonman

Has anyone got any updated living expenses figures for 2010/11 for a DRO?

immoral_angeluk

Halcyonman wrote: »

Has anyone got any updated living expenses figures for 2010/11 for a DRO?

The figures for aug 2010 were pretty much identical to those posted previously..

Sandella

Have the limits changed much from what is on here? am trying to find out the 2011 ones, I know food bills and travel bills have gone up for everyone recently.

sorry for bumping this old thread but I'm having trouble finding these Trigger limits at the moment

paulcornwall

Hi guys and gils, where are these figures taken from, is there a website?
Many thanks

immoral_angeluk

paulcornwall wrote: »

Hi guys and gils, where are these figures taken from, is there a website?
Many thanks

The guidelines are the MAT/BBA trigger figures used by money/debt advisors. However, debtors aren't allowed to be told the actual amounts so you'll be lucky to find them printed anywhere.

Random_Rita

elfieb wrote: »

Hope this helps.

Thank you so much for your response. Do you know how these will affect credit rating? will there be years of inability to obtain any kind of credit / overdraft facility again do you know?

ikati5

I am sure I was told that a DRO is a cheaper form of Bankruptcy and will affect your credit rating for 6 years.. I went with a debt management order instead.