Dro statistics

confused76

xLCWx wrote: »

Hi, not sure im in the right forum for this, im new! so excuse me if this is a silly question! I have a court hearing for BR on wed next week (21st april) and i am just wondering what will be made of my income/expenditure list,there is my husband and i,and an 8 month old son with one on the way,again! could i post the list, would be grateful of some help?

hi there
best to start a new thread with the details and we'll happily help you out

xLCWx

ok, sorry! lol,just figuring this out! will do! x

Trollfever

4 current undischarged bankrupts.

Suprised at this one!

Leigh73

debt_doctor wrote: »

Hi all, just thought I would share this info with you following a FOI request to the IS from Citizens Advice specialist support.............

For the period April 6th 2009 - 31st Dec 2009.

148 DRO 's declined with ....

124 exceeded 15k debts not included in application.
7 exceeded 15k within the application.

So, what do we make of that lot then ???

DD

Hiya,

I'm probably going for a DRO next month, when I see the CAB.

My debts all come to around £9k (all unsecured CC / catalogues / mobile / electric arrears / water arrears etc)

So, I *think* I'll be eligible.

However, if I also have about £12k of student loans outstanding (on top of the above debts), does that mean I won't be allowed a DRO?

Also, I have about (included in the £9k of debt) £2k of Housing Benefit overpayments / £400 of Council Tax arrears. Am I correct in thinking that I won't be allowed to include the HB overpayment, but will, with the Council Tax debt?

Many Thanks.

immoral_angeluk

Leigh73 wrote: »

Hiya,

I'm probably going for a DRO next month, when I see the CAB.

My debts all come to around £9k (all unsecured CC / catalogues / mobile / electric arrears / water arrears etc)

So, I *think* I'll be eligible.

However, if I also have about £12k of student loans outstanding (on top of the above debts), does that mean I won't be allowed a DRO?

Also, I have about (included in the £9k of debt) £2k of Housing Benefit overpayments / £400 of Council Tax arrears. Am I correct in thinking that I won't be allowed to include the HB overpayment, but will, with the Council Tax debt?

Many Thanks.

Student loans will be included in your total debt amount, which can't be over 15k, even though you would still be liable for them post DRO, so until your debt fell below 15k you wouldn't be eligible. Benefit overpayments can be reclaimed from current benefit awards until the end of the moratorium period (12 months) after which the balance is written off. Council tax arrears would be full included.

Leigh73

Thank You for the info.

That is gutting to find out!

So, even though the Student Loans aren't written off in the DRO, they do count towards the £15k limit?

Are you 100% on this?

If this is the case then, I can't for a DRO no?

Cheers :-(

25.lindsay

I'm now panicking over mine submitted yesterday. I upped my overdraft at the bank about a month ago to help with moving costs from £100 to £500 (we had rats, no heating and a baby due in 6 weeks so time was of the essence), and was hoping the deposit would have been returned by now (our contract ended on April 8th and now the LL are saying windows and carpets weren't cleaned, so I've had to submit receipts etc...). The CAB submitted my DRO yesterday and I'm now pacnicking that it might fall under the banner of "1 obtaining credit with no reasonable prospect of repayment." and I've just wasted £90 as well as my only chance to clear this mess up.........

Stardust

My student loan was included in the total but then disregarded for being included in the DRO as its a different kind of loan that can't be written off.

debt_doctor

immoral_angeluk wrote: »

Student loans will be included in your total debt amount, which can't be over 15k, even though you would still be liable for them post DRO, so until your debt fell below 15k you wouldn't be eligible. Benefit overpayments can be reclaimed from current benefit awards until the end of the moratorium period (12 months) after which the balance is written off. Council tax arrears would be full included.

Student loans are an EXCLUDED debt and do NOT form part of the 15k limit.

DD

immoral_angeluk

debt_doctor wrote: »

Student loans are an EXCLUDED debt and do NOT form part of the 15k limit.

DD

Hmm.. I was told that they were by the AI at my bureau so will have to mention it to him (I'm his assistant, not an AI myself).
Thanks.