Considering a DRO, am dying to hear your oppinions, experiences, highs and lows...

Hannah_10

The question was if the CCCS could administer it but I answered that one. I have a bit of a problem again though because according to CCCS debt remedy I have £170 spare a month but I don't, there just isn't anywhere to input that I have to have private healthcare to recover from my long term illness because the NHS wont pay for what the NICE recommends. Mad isn't it. It's £2k a year for 1-4 years to fix me, or I can miserably languish on many times that in sickness benefits for the rest of my life and cost the treasury the price of a couple of nice houses with swimming pools before I die... So the NHS says they wont pay. Gah! Anyhow I need to call the CCCS tomorrow to see if this can be counted, if so I should meet the DRO criteria.

fatbelly

Private healthcare as such may be a problem but if you are receiving DLA, that can be put as both income and expenditure, so how you choose to spend DLA is up to you.
From the guidance:

The debtor‟s income could derive from various sources, including wages, benefits and pensions. All benefits should be scheduled, including DLA, and in the instance of DLA, it is acceptable to record the same amount as expenditure.

As you say, run it past CCCS - as you are on benefit income only, I would expect you to fit the criteria.

Hannah_10

That quote is exactly what I hoped for. Thanks Fatbelly, you rock.

redmel1621

Sorry to intrude on your thread, but can I just ask a quick question about DRO's

What counts as assets?? As in, will I not qualify if I have a tv/laptop/mobile phone... Or is it mainly things like shares/stocks etc

Sorry again xx

fatbelly

redmel1621 wrote: »

What counts as assets?? As in, will I not qualify if I have a tv/laptop/mobile phone... Or is it mainly things like shares/stocks etc

That's pretty much it. Here's another extract:

Please indicate whether the debtor owns any other assets that have a realisable value by selecting „Yes‟ or „No‟ as appropriate. These assets would include items that have a resale value (the total proceeds that the debtor would receive if they sold the goods) that would impact on the overall asset limit, but do not include basic household items such as cutlery, crockery, cookers, televisions, beds or furniture. Therefore assets with a realisable value may include for example shares, stocks, premium bonds, antiquities, or collections etc.

Intermediaries should exercise discretion when advising what household items should be classified as basic and therefore not requiring declaration as assets with realisable worth. Items of luxury should be included on the application form.

If the debtor does own other assets with realisable value, please select „Yes‟.

redmel1621

Thank You

I think I need to phone and speak to someone about it as I don't really understand how it works with income/outgoings etc my husband and I are both on JSA at the moment and therefore don't have individual incomes as he just gets extra for me. He owns a motorbike which is worth more than a 1000, but my car isn't so I don't know if they would take his bike into account if it is just me applying. Also it isn't reall clear how we would split the bills etc..

Also, I wonder what are counted as 'luxury items'?

Very confusing isn't it


Mel x

Penelope_Penguin

redmel1621 wrote: »

Thank You

I think I need to phone and speak to someone about it as I don't really understand how it works with income/outgoings etc my husband and I are both on JSA at the moment and therefore don't have individual incomes as he just gets extra for me. He owns a motorbike which is worth more than a 1000, but my car isn't so I don't know if they would take his bike into account if it is just me applying. Also it isn't reall clear how we would split the bills etc..

DROs are known as "individual remedies" so you have to supply a SOA based on the individual who's applying. In your case, as an intermediary, I would do a family budget then split it into 2 equal halves - one for each of you.

The bike is his, and the car yours, so only your car will be classed as an asset in your DRO application.

Luxury items can include very large, recently purchased TVs.

HTH

redmel1621

Thank you

That is good then.

I wonder if our BIG tv would be classed as a luxury item, but then, it belongs to both of us so I only half of it haha.... The kids also have tv's and consoles in their room, but they were christmas presents so I would hope they wouldn't be counted!

But I think I am getting confused, they don't take the stuff away do they, it just means you can't apply for the DRO??

Penelope_Penguin

redmel1621 wrote: »

But I think I am getting confused, they don't take the stuff away do they, it just means you can't apply for the DRO??

Correct

redmel1621

Thank You (again)

I think I need to get a list of all my debts then and apply! It is scary though as I am a kind of, shove head up backside kinda person, the kind of person who doesn't even open the letters and just shoves them in drawers...I am not even sure how much I owe but I am guesstimating it to be between £7000-£9000!!

Mel x