Diary of a complete plonker....DRO or Bankruptcy here I come!

elfieb

Lost2 wrote: »

How did you get on with the Bank elfieb? did they refund your money?

I got my money back after 5 days!!! It amazes me how quick they are to take money from your account, but not so quick to replace it.

elfieb

Dont want to jinx myself but..............

31 days have now passed.......

I rang the Insolvency Service (yet again), hoping they would be able to tell me for definate that no appeals have been made, but they were unable to. They did tell me that I probably would have been contacted by now if any creditors had a problem.

Still not going to be jumping for joy for at least another week (time for any letters to come through if they were sent right up to the last min).

philnicandamy

welll....I suppose no news is good news hopefully

Fingers crossed

elfieb

Quickity quick update.........

Just checked my credit report, and 3 out of 4 creditors are showing as default!! :T

Just one creditor left (barclaycard), who are still showing my account as satisfactory even though I havent made a payment since March!
Also my overdraft is not showing up on credit report, which I dont quite understand.

elfieb

Day 56

Checked my credit report again, and Barclaycard is showing as 1 payment late, as opposed to default. Hmmmmm, the mind boggles?????

elfieb

Oh poo

Recieved an " in arrears" letter from Barclaycard.
From the gist of it, it appears they have no knowledge of my DRO.
Double checked my DRO, and they are definately listed.

In 2 minds what to do now, do I ring Barclaycard, or wait until Monday and ring the IS???

Really thought at this stage of my DRO, all creditors would be singing from the same hymn sheet now, but it appears not.

windsorblue

hi elfieb snap got same letter of barclays another creditor sending me on to there solicitors if i dont pay in 5 days another onehave recieved notice of my dro 30 june but want a financial statement of me asp as they dont have acsess to it so like you do we get in touch with them or or not sure what to do [ they are coming out of the woodwork now ]haha wolves at the door

elfieb

windsorblue wrote: »

hi elfieb snap got same letter of barclays another creditor sending me on to there solicitors if i dont pay in 5 days another onehave recieved notice of my dro 30 june but want a financial statement of me asp as they dont have acsess to it so like you do we get in touch with them or or not sure what to do [ they are coming out of the woodwork now ]haha wolves at the door

Im going to contact IS on Monday. I was tempted to ring Barclaycard, but thought against it, as I doubt they will take much notice of me.
Hopefully they will listen to IS, even though it appears they have taken no notice of them so far:p

Godiva500

Once you have a DRO they have no claim - they are just trying it on. Ignore them and enjoy your debt free life xx

windsorblue

Payments to creditors found this hope it helps going to leave it till they phone then tell them the Official Receiver approves the debtor‟s application and a DRO is

granted, all qualifying creditors scheduled in the DRO application will be
contacted and notified that a DRO has been made. These creditors will also
be informed that as a result of the DRO, the debts scheduled as owing to
them are irrecoverable. As such, the debtor must not make any further
payments to those creditors.
If the debtor receives any requests for payment from creditors that are
scheduled within the DRO during the period of the Order, the debtor should
indicate that they are subject to a DRO, and as such creditors have no

remedy in respect of these debts.

Moratorium period

The principal effect of a DRO will be to place a moratorium period upon the
debts of a debtor, that are scheduled within the DRO. Creditors who are
scheduled in the DRO will then be prevented from taking any action to recover
or enforce their debts against the debtor during this moratorium period without
leave of the Court. Once this period has expired (in most circumstances 12
months from the date of the order, although there may be exceptions to this
time period), the debts scheduled in the DRO will be discharged and the

debtor will be free from those debts.