Considering a DRO but so confused help required please!!

abfab_girl

Hi,

My partner and I, are up to our necks in debt

Things have finally come to a head and we have decided we cannot go on as we are.

We seem to be eligible for a Debt Relief Order
I rang CCCS this morning and told them I had done their debt remedy and a DRO was the outcome the advisor is sending out information in the post.

This is our problem, my partner and I have a combined debt of £9000 split pretty evenly of about £4600 & £4400 each.

The advisor told me we can not apply for a dro together it has to be seperate, my partner works full time and I am a house wife due to long term illness and suffering with depression which I see my doctor about regularly.
I have no income we both live off his. I am not entitled to benefits as although british I lived abroad for 7 years and I have not worked since we got back in 2010 so didn`t have enough contributions to claim and my partner earned more than the allowance based benefits.

What I would like to know is, as the dro will be seperate will I still be eligible for a dro as I have no income of my own?

The debts I have, when I got them they knew I was a housewife and that I was living off my partners income. Also how the heck will we work out the I&E form as somethings are in one name and somethings joint??

I am absolutely worried sick about it all at the moment I also have many things to pay in the next few weeks the lady I spoke to from CCCS told me to send a letter to all creditors and tell them I will be making token payments of £1 and send my I&E form is this a good move do you think??

We owe some payday companies and have requested their bank details but haven`t got them yet so I don`t know how I can make the £1 payment to them.I am sure we are not the first couple where one is working and one is not to apply for dro`s but I cannot find information anywhere with somebody in a similar situation,

So any advice or peoples experiences of doing a dro would be most appreciated.

Many thanks in advance.

coinxoperated

I believe any person can do a DRO if they fit the criteria.

So... if you have a joint loan for instance of £1000 and you take out a DRO they will go after your husband for it. If he also has a DRO then it will sit and wait for the 12 months to pass and if it does it is wiped.If either of your have the DRO revoked, I assume that person is then liable for the debt and whatever interest charges that have been applied over the DRO period.

I should think you would both have to count joint debts each individually in the DRO so you are covered across the board. I would also suggest doing them at the same time so you don't get stung.

I did mine through CCCS and it was so simple!

abfab_girl

Thanks coinxoperated,

I feel abit better about things today I received my ref number from CCCS this morning and spoke to one of their debt relief order counsellors and he was brilliant, he answered all my questions and there were alot!!! He put my mind abit more at ease which means alot at the moment. They are sending all the paperwork out to me we did the I&E form and now I just have to get the paperwork ready my end and send off for my credit report. So hopefully within the next month or so it will all be completed he said they have a turnaround of about 20 days at the moment, but he said alot of it depends on how quickly I get the paperwork back to them. I will keep the thread updated with my progress, thanks again for your reply it was very much appreciated.

coinxoperated

No problem.

Just make sure you include everything they ask for and make ire you put up to date statements in (they accepted printed copies off the 'net for mine) It took 2 weeks for them to look at my paperwork and then called me to confirm balances and pay the fee at the post office. In total about a month. Really will be a weight lifted of your shoulders once it's done