Complicated DMP/DRO situation

Roger_Moore_007

Hello all,

I would like any advice on my situation please.

For two years I've had a DMP through CCCS, gradually my monthly payment has become smaller and smaller as living expenses have risen. My payment has now fallen below £50 per month, so CCCS recommended that I go into a DRO. My DMP balance is just below £7000.

There are two fairly big issues with me going into a DRO, firstly my wife has recently started working for herself so she is bringing in an income that CCCS are unaware of, although this income is not fixed.

Secondly we are about to move to a new rented house with a higher rent than we are paying now.

How deeply do the people who set up DROs delve into personal circumstances?

fatbelly

The DRO unit can investigate anything they choose to relating to the application but in practice most applications are only checked against the credit report, as the intermediary is expected to have assisted the applicant make a true declaration, and the creditors have the opportunity to object if they have evidence of wrongdoing.

The income you must declare is your income, not your partner's. Paying more rent will only reduce your surplus income, so, given CCCS are recommending a DRO and will assist you, I think that is likely to be your best option.

It doesn't sound to me that your situation is complicated.

Roger_Moore_007

fatbelly wrote: »

The DRO unit can investigate anything they choose to relating to the application but in practice most applications are only checked against the credit report, as the intermediary is expected to have assisted the applicant make a true declaration, and the creditors have the opportunity to object if they have evidence of wrongdoing.

The income you must declare is your income, not your partner's. Paying more rent will only reduce your surplus income, so, given CCCS are recommending a DRO and will assist you, I think that is likely to be your best option.

It doesn't sound to me that your situation is complicated.

The complicated part is the fact that CCCS are not in possession of all the facts, they are only aware of what I've told them. If I told them that my wife was now bringing in an income they wouldn't be recommending a DRO.

Unfortunately we live in the countryside and the house we rent has sold, so we are forced to move. There are very few homes in our area that are suitable for us, we've now found somewhere but it's £150 pcm more expensive. I'm thinking the best way to deal with this would be to just tell CCCS that our rent will be the same at the new place, afterall the only reason it is affordable is because my wife is now working.

Thanks for your advice.

fatbelly

Roger_Moore_007 wrote: »

The complicated part is the fact that CCCS are not in possession of all the facts, they are only aware of what I've told them. If I told them that my wife was now bringing in an income they wouldn't be recommending a DRO.

Unfortunately we live in the countryside and the house we rent has sold, so we are forced to move. There are very few homes in our area that are suitable for us, we've now found somewhere but it's £150 pcm more expensive. I'm thinking the best way to deal with this would be to just tell CCCS that our rent will be the same at the new place, afterall the only reason it is affordable is because my wife is now working.

Thanks for your advice.

If you are going to use CCCS for your DRO, it is important that you are honest with them because that information will be put on your application and you will be signing a declaration that it is true. There are other organisations that can do a DRO for you if you would prefer. CAB do the majority of them.

Your wife's income is not taken into account for a dro.