help with a dro

lauriethom

apologies if you have already read this @ the top of the page but no one has replied and im desperate. im quite new to this sorry----


hi i need some advice, i have been told by the cccs that i am eligable for a dro but since then my circumstances have slightly changed...
i did have a car that i didnt own but was the registered keeper , it was on finance in my mums name. i no longer have a car and am just a named driver on my dad's car. i have to pay towards the keep of it and pay for petrol every week. am i allowed to put down for fuel costs on a car thats not mine?
i have worked out my outgoings and i still believe i qualify for a dro, do i have to go back through to them or can i go through the cab. i much prefer doing things face to face and the women although in the end put me forward for a dro she was not very helpful and it was me that asked about one.
this is a big thing for me and i keep putting it off and leaving it but now i need to finally sort everything once and for all.
please help
laura

fiveyearplan

Hi Laura - I'm sorry I don't know a lot about DRO's so I can't be much help but hang in there, I'm sure someone will come along soon (ish!) to help.

debt_doctor

Hi Laura,

Firstly, you can approach anyone you want for a DRO, it's up to you.

The regisitered keeper of a car is not neccessariliy the legal owner and that appears to have been the case for you.

If you are using someone else's car then it would be reasonble for you to pay appropriate costs of fuel, tax, insurance and maintenance. I believe ( and I would ) put those costs in to a DRO.

Please note though that several automatic checks are made in a DRO application such as Experian,land registry and, I believe, DVLA. If the vehicle that was registered ( not owned)to you was worth more than £1000 they may require an explanation.

DD

Trollfever

Some confusing previous posts by the OP.

miss_spooky

Just a quick question? Are both you and your mum using the same username? As reading the posts it's a bit confusing and also looks this way.

It's easier for us to know them we con't get confused in the advise we give?

An earlier post:-

"I am a housewife with 2 grown up children.
I have never had any debt problems.
I do buy from catalogues but always pay back.
Is there anyone you know of any companies who offer loans to housewifes.
I dont have a mortgage, i own my home out right.
I would like to help my daughter out without my husband knowing and would like some advice please"

jamesb1239

Hi, I'm not too sure on the previous comment re DVLA checks being performed as I had our car listed on my DRO and that is registered with the DVLA in my wifes name.

As long as you own nothing of value and your surplus is under £50 per month then you should be ok to apply for a DRO

fatbelly

jamesb1239 wrote: »

Hi, I'm not too sure on the previous comment re DVLA checks being performed as I had our car listed on my DRO and that is registered with the DVLA in my wifes name.

I think DD was correct to say that there might be questions if you did not list a car and a search revealed a vehicle that was registered to you and was worth more than £1000.

If you listed a car then you were declaring ownership and presumably also a valuation of less than £1000 - that's fine.