DRO discharge notice?

LotsaLuck

Hi all,

I am in the process of trying to clear up my credit report after a DRO. I wrote to the credit card companies asking them to amend my credit report to 'Settled', all have complied except for First Direct who sent me a letter stating:

"I require a copy of your notice of discharge from the DRO."

Can anyone tell me where I get such a thing?

I hope I'm posting in the right place, have searched for the answer - can't find it, I'm sure this will have been asked before, so if someone could point me in the right direction, would be very grateful..

Thank you MSE'rs, as always... :beer:

fatbelly

There is no such thing.

As a creditor in a DRO, the DRO Unit would have written to them at the outset, explaining the time frame. You might be able to get a copy of that letter if you talk to them.

If you are still within 3 months of discharge then your details will still be on the insolvency register and you could send a print-out:

http://www.insolvencydirect.bis.gov.uk/eiir/

fermi

Appears not.

LotsaLuck wrote: »

My DRO finished in September

The creditor is getting DROs confused with bankruptcies and perhaps IVAs?

PurpleGoldFish

Hi

I had the same issue you're having when I cleaned up my files after my DRO finished. I called the Insolvency Service and explained what I was doing and they sent me a letter out in the post confirming that my DRO was finished and that I was discharged from all the debts. I forwarded a copy of this letter with my 'clean up letters' to the companies concerned and it was accepted as 'proof' by all of them.

I did however have trouble trying to get someone at customer services (at all the companies) to understand what I was trying to do, I ended up emailing the CEOs (You can find the CEOs email address at ceoemail[dot]com)of all the companies I owed money too and emailed them copies of the clean up letter and the 'discharge' confirmation letter. Sorted within a few weeks.

PurpleGoldFish

I amended the standard clean up letter to this for my DRO clean up. As you can see I included a copy of the approval letter that I was sent at the beginning of the DRO and the letter I requested from the Insolvency Service once it finished, I referred to this as a Discharge Notification' as that essentially what it is.


Dear Sirs

Re: XXXX XXXX XXXX XXXX

After consultation with both the Information Commissioner and the Credit Reference Agencies, I am writing directly to you to request that you formally update ALL my credit files in accordance with the Data Protection Act.

I was subject to a Debt Relief Order, which commenced (Insert Start Date Here) and subsequently discharged on (Insert Discharge Date Here), and (Insert Creditor Name Here) was included within the Debt Relief Order. For your convenience I have attached both my Notification of Debt Relief Order Approval and the subsequent Discharge Notification.


Currently the information that you have recorded against my name with the Credit Reference Agencies is factually incorrect.

• It is requested that you mark the account in some way as to indicate that it is settled or satisfied, in accordance with the Data Protection Act.

The Information Commissioner has indicated that I should allow you 28 calendar days from the date you receive this letter to comply, during this time you are requested either to update the Credit Reference Files correctly (of all three Credit Reference Agencies) or notify me in writing the reasons that you refuse to.

After the 28 days have elapsed the Information Commissioner has requested that I inform them if your company fails to update the records so that they may take any necessary enforcement action against your company.


Yours faithfully



(Insert Name Here)

Enc:

Debt Relief Order
Discharge Notification

fatbelly

Purple GoldFish - that's really helpful and I'll keep a link to this thread for future use.

LotsaLuck

Thanks everyone.
thanks purplegoldfish, I will ask the IS for such a letter.
There were 5 creditors in all, First Direct is the only one who have asked for it, leading me to believe it's not all that necessary..! I enclosed a copy of my DRO notice which clearly states the start date and that it lasts for one year...
thanks for your advice, much appreciated.

fermi

It's not necessary, and if you wished you could write and tell them that.

However, if you can get hold of some conformation from the IS/OR, then that would perhaps be the easier option rather than having to get in a snotty letter exchange with them.

Keeping_Positive

I just rang the IS for my DH and they will post a discharge letter today

thx purple gold fish