n/a

debt_doctor

[FONT=Arial, sans-serif]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.[/FONT]



So it seems that this perod can be extended, perhaps for non coperation ???

DD

debtinfo

Also, not sure if it the same in a DRO, but in a bankruptcy anyone they were investigating for gambling would have a F2F interview, it is just the initial process that can be done over the phone. Also in a BR if you refuse a F2f Interview then the OR would apply for a Public Examination in open court, whereupon if you did not attend then the ultimate sanction is that you could be arrested and focred to attend. Again i should state that im not sure if this would apply to a DRO as they are very new and not many people have been in this situation. I would suggest that you bite the bullet and go see them as it is not going to go away, at least you get a cup of tea

elfieb

Thanks for all the replies everyone.

I have calmed down slightly now, and can see things a little clearly.

I sent the email to the IS last night, so there is nothing I can do regarding that.
I just find it very strange that the OR is prepared to travel all the way from Plymouth to Manchester for an interview which could be conducted over the phone. I dont agree with her excuse that I will "have papers to sign". I feel she is coming for the purpose of tying me in knots.

No one has had a DRO restriction placed upon them yet, and the thought that I will be some sort of test case is playing heavily on my mind.

My world has been turned completely upside down since Thursday, I cant eat, Im not sleeping properly. I just feel sick. I cant believe how one min you are being told that you have been given a second chance at a debt free life, and then the next you face it all falling down again.

I was beginning to get things back on track....due to be starting college in a week, and now I cant see any future.

peachyprice

The thing is elfie, if you had have gone BR instead you would have known that you could be investigated at any time throughout the 12 months, you can't relax and assume the OR has finished with you until ED or AD, the same goes for a DRO, the order being issued is just the start of the process, it isn't over until you're discharged.

Having the complication of gambling debts you must have realised yours wasn't a simple case and there was every likelyhood that the investigations would go further.

debtinfo

Hi, when you are interviewed the frs that you will most probably sign are to do with the perjury act. Normally when people in bankruptcy do a telephone interview first they do not sign this and so the information will not automatically stand up in court. When they do a second interview they always do F2F so that they can sign these forms and so that the bankrupt can see what information is being noted. You have the option of disagreeing then if you don't like what they have written which you don't in a telephone interview

Bankruptcy09

elfieb wrote: »

The OR refuses to interview me over the phone, and is insisting I attend a face to face interview.
I know some people only get a phone interview, is there any way I could push for that?? Ill go to pieces in person........

No, the OR has the final decision and if you do not attend, they can then start proceeding to suspend your discharge until you attend

fiveyearplan

You'll be just fine in person. I had a f2f interview and must say I preferred that to a phone interview.

Amiga

Hey Elfieb,

I am in a similar boat myself ( Gambling debts) but I went BR due to the volume of them

I can see what you mean about the mental cruelty part, I am very naive and thought that I would simply get a BRU at the first interview stage and then be left to get my life together. As the people here have already stated I have to wait anytime up to discharge to get invited for a F2F interview to be given the BRO/BRU. So in theory I have 12 months of waiting for the letter to drop through the letterbox. This has resulted in me still feeling just as bad as just before I was BR.

I can't offer advice, well apart from the fact that I think you should comply with them, as in the end you can't beat the system, but I do want you to know you aren't alone and if you ever need to chat please drop me a PM

JCS1

The delays in between going BR and being invited to a F2F for a BRU/BRO is that the OR has to gather evidence. So if online gambling, they will write to the website companies and ask for details of losses/wins/deposits. They will also write to credit card companies and banks for copy statements. None of these companies will respond to a first letter, and ofte take several chasing letters and phone calls before the information is sent (and then some don't and the further investigation can be abandonded due to lack of evidence).

Throw in letters to solicitors asking for case files (if property transfer or divorce, etc ), HMRC, etc, and it can take a very long time.

Amiga

JCS1 wrote: »

The delays in between going BR and being invited to a F2F for a BRU/BRO is that the OR has to gather evidence. So if online gambling, they will write to the website companies and ask for details of losses/wins/deposits. They will also write to credit card companies and banks for copy statements. None of these companies will respond to a first letter, and ofte take several chasing letters and phone calls before the information is sent (and then some don't and the further investigation can be abandonded due to lack of evidence).

Throw in letters to solicitors asking for case files (if property transfer or divorce, etc ), HMRC, etc, and it can take a very long time.

Thanks for this JCS1!

After reading this I can see how it does take so long to sort out