Just gone Bankrupt now its my partners turn for a DRO, what docs does she need?

paulcornwall

Hi everyone, after having such great support in the BR forum for my bankruptcy I though i would head over here on behalf of my partner. She has 9k of debt is a flu time mum, no assets and no surplus income. CAB have already advised a DRO is the most likely route. We have an appointment tomorrow with CAB and wondered what docs she should take along to get things completed in one visit.
SOA
DRIVING LICENSE
PROOF OF INCOME SUPPORT
ESTIMATES OF DEBTS
£90

Is she missing anything? how long will a DRO take to be processed?
One last thing we "had" a joint bank account with a overdraft facility which was placed with my bankruptcy, will half of that be her for the DRO?
Many thanks in advance.

wba31

paulcornwall wrote: »

Hi everyone, after having such great support in the BR forum for my bankruptcy I though i would head over here on behalf of my partner. She has 9k of debt is a flu time mum, no assets and no surplus income. CAB have already advised a DRO is the most likely route. We have an appointment tomorrow with CAB and wondered what docs she should take along to get things completed in one visit.
SOA
DRIVING LICENSE
PROOF OF INCOME SUPPORT
ESTIMATES OF DEBTS
£90

Is she missing anything? how long will a DRO take to be processed?
One last thing we "had" a joint bank account with a overdraft facility which was placed with my bankruptcy, will half of that be her for the DRO?
Many thanks in advance.

She will need a copy of her Experian Credit report too maybe? to ensure all debts are included. You won't need the £90 tomorrow, the CAB advisor will produce a barcode when completing the forms to take to the post office (so you may need it tomorrow if they do the forms, just nto to pay the CAB advisor). I would encourage you to not have estimates of debts, but accurate information. If your wife owes £1200 on a debt, and it goes in as £1000 on her forms, they creditor can chase her for the additional £200, so make sure the information is accurate. And the joint debt will go on with the full balance onto your wife's DRO. It is jointly liable, so your bankruptcy simply discharges you from the debt, the full debt is still owed, just in your wife's sole name

Experian_company_representative

We provide free Experian credit reports via the CAB and other providers to help with DRO applications.

James Jones

paulcornwall

As ypu said the next process is cab will be getting experian reports to check figures. I did'nt realise the figures had to be to the penny (slightly different to my BR). Are all debts shown on credit reports the same from various companies??

wba31

paulcornwall wrote: »

As ypu said the next process is cab will be getting experian reports to check figures. I did'nt realise the figures had to be to the penny (slightly different to my BR). Are all debts shown on credit reports the same from various companies??

The credit report won't necessarily show all debts, but it's a way of checking there are none that have been forgotten about. The DRO intermediary will check it because the Insolvency Service will check it when the DRO is submitted, and all sorts have popped up on credit reports when creditors havent updated information

fatbelly

Did you see the CAB yesterday, Paul? How did it go?

I'm surprised they were seeing new clients that close to Christmas.

paulcornwall

Hi, yes she saw the cab advisor, we went through the usual SOA and a DRO was recommended. The CAB advisor is now contacting the creditors and credit reference agencies to ensure the figures are up2date. When the details are back we shall be attending appointment number 2 to get the application done, ill keep you posted. Hope everyone had a good christmas.