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who to go to for a dro

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seanbond10
seanbond10 Posts: 97 Forumite
in IVA & DRO
wo is best to use for a dro and how much will it be other than the 90 pound fee for the dro
«13

Comments

  • immoral_angeluk
    immoral_angeluk Posts: 24,506 Forumite
    10,000 Posts Combo Breaker
    The £90 fee is the court fee you pay directly to the Insolvency Service, and that is all you should pay. No genuine company will charge you anything else other than the court fee. Competant Authorities are not allowed to charge anything on top of the DRO fee.

    Here is a list of competent authorities (ie agencies who have Approved Intermediaries who can complete DRO applications).

    http://webarchive.nationalarchives.gov.uk/+/http://www.insolvency.gov.uk/bankruptcy/DRO/auth.htm
    Total 'Failed Business' Debt £29,043
    Que sera, sera. <3
  • wba31
    wba31 Posts: 2,189 Forumite
    Go to someone who isn't going to take weeks and weeks to complete the process for you...
  • immoral_angeluk
    immoral_angeluk Posts: 24,506 Forumite
    10,000 Posts Combo Breaker
    wba31 wrote: »
    Go to someone who isn't going to take weeks and weeks to complete the process for you...
    With high demand for debt advice at the minute I think you'd be hard pushed to find anyone that would do it in less than 3 weeks, which is the standard time it normally takes to obtain a postal Experian credit report nd ascertain all balance/account details from creditors...
    Total 'Failed Business' Debt £29,043
    Que sera, sera. <3
  • fatbelly
    fatbelly Posts: 22,962 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Cashback Cashier
    immoral_angeluk wrote: »
    With high demand for debt advice at the minute I think you'd be hard pushed to find anyone that would do it in less than 3 weeks, which is the standard time it normally takes to obtain a postal Experian credit report nd ascertain all balance/account details from creditors...

    True...but I did use the experian on-line facility last week and got a DRO approved 7 days after the client attended for interview. We needed to block some bailiffs. I'm just boasting really. Most take at least 3 weeks.

    The slowest part of the process is usually the client getting the £90 together
  • immoral_angeluk
    immoral_angeluk Posts: 24,506 Forumite
    10,000 Posts Combo Breaker
    fatbelly wrote: »
    True...but I did use the experian on-line facility last week and got a DRO approved 7 days after the client attended for interview. We needed to block some bailiffs. I'm just boasting really. Most take at least 3 weeks.

    The slowest part of the process is usually the client getting the £90 together
    Very true. I've done one same day for a client who had everything together, including printed up to date credit report, money and latest creditor's letters and proof of income - which was nice!

    What online facility do you use? Where the client accesses their own online report/free trial? We're using a new online thing alongside the normal forms where the client gets sent a passkey in the post a week or so later then we can access their online report...
    Total 'Failed Business' Debt £29,043
    Que sera, sera. <3
  • immoral_angeluk
    immoral_angeluk Posts: 24,506 Forumite
    10,000 Posts Combo Breaker
    fatbelly wrote: »
    The slowest part of the process is usually the client getting the £90 together
    Especially if you're having to apply to charities.. some are sooo slow!
    Total 'Failed Business' Debt £29,043
    Que sera, sera. <3
  • fatbelly
    fatbelly Posts: 22,962 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Cashback Cashier
    immoral_angeluk wrote: »
    What online facility do you use? Where the client accesses their own online report/free trial? We're using a new online thing alongside the normal forms where the client gets sent a passkey in the post a week or so later then we can access their online report...

    Yes, the new online thingy. Mind you, it's more work than the paper version and on the two occasions I've tried it, my clients have had trouble reading the passkey to me as it's usually something like

    3eR;%)*^z

    and the system is only faster because they can post a passkey faster than a full report. I don't see any technical reason why that should be the case.
  • immoral_angeluk
    immoral_angeluk Posts: 24,506 Forumite
    10,000 Posts Combo Breaker
    fatbelly wrote: »
    Yes, the new online thingy. Mind you, it's more work than the paper version and on the two occasions I've tried it, my clients have had trouble reading the passkey to me as it's usually something like

    3eR;%)*^z

    and the system is only faster because they can post a passkey faster than a full report. I don't see any technical reason why that should be the case.
    No me neither. I don't understand why they can't set up an online system that we can do with the clients there, and to be access their full report instantly like they do on the normal website themselves!
    Total 'Failed Business' Debt £29,043
    Que sera, sera. <3
  • caz2003uk
    caz2003uk Posts: 673 Forumite
    Wedding Day Wonder
    I wish mine had taken 3 weeks :( .... 9 months mine took from initial contact to applicaion and approval!!
    :jEngaged 25/12/11 :j
    :smileyheaMarried the man of her dreams and became Mrs M on 26th April 2013 :smileyhea
  • immoral_angeluk
    immoral_angeluk Posts: 24,506 Forumite
    10,000 Posts Combo Breaker
    caz2003uk wrote: »
    I wish mine had taken 3 weeks :( .... 9 months mine took from initial contact to applicaion and approval!!
    Ouch! Why did it take so long?
    Total 'Failed Business' Debt £29,043
    Que sera, sera. <3
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