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DRO advice
h3lpneeded
Posts: 3 Newbie
Hi, I'm trying to help my sister who has run up debts over the past year including rent, water, electric, gas, council tax which in addition to previous credit card debt and a bank loan total £13,000. This is the third time she has been in this situation in the last 10 years and some of the debt is outstanding from 6 or 7 years ago. I have been with her to the Citizens Advice who initially considered a Debt Relief Order but they now say that her total debt exceeds £15,000 so she cannot apply for a DRO. The debt that takes her over £15K is from attachments to earnings orders from 8 and 6 years ago for rent arrears with £2,000 and £4,000 outstanding now. As she is repaying this and wants to continue to repay it is it possible to exclude it from the DRO so that she can then apply?
Also, if anyone has any advice on helping someone with mental health issues with control of finances such as third party orders (I think they are called) can you let me know. I am thinking now that the best thing to do from now on is manage her finances completely, set up direct debits for everything, order shopping for her, etc as she is in such a cycle of non-payment and debt that her family and friends have tried to help with and can't get her out of.
Finally, it is likely that she will be evicted by the landlord when her tenancy ends in two months so any advice there would be appreciated too. The local council has a 6-month backlog of applicants and say they won't help if she is classed as intentionally homeless. She is repaying rent arrears and they won't be included in the DRO so this shouldn't happen but she won't be able to get private rented again given her history.
Hoping someone will be able to help out there, thanks in advance if you can
x
Also, if anyone has any advice on helping someone with mental health issues with control of finances such as third party orders (I think they are called) can you let me know. I am thinking now that the best thing to do from now on is manage her finances completely, set up direct debits for everything, order shopping for her, etc as she is in such a cycle of non-payment and debt that her family and friends have tried to help with and can't get her out of.
Finally, it is likely that she will be evicted by the landlord when her tenancy ends in two months so any advice there would be appreciated too. The local council has a 6-month backlog of applicants and say they won't help if she is classed as intentionally homeless. She is repaying rent arrears and they won't be included in the DRO so this shouldn't happen but she won't be able to get private rented again given her history.
Hoping someone will be able to help out there, thanks in advance if you can
x
0
Comments
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Hi h3lpneeded. There is an IVA and DRO board, where you may have more response to your post. Hope this helps.
http://forums.moneysavingexpert.com/forumdisplay.php?f=159Debt free - Is it a state of mind? a state of the Universe? or a state of the bank account?
free from life wannabe
Official Petrol Dieter0 -
Thanks, I have reposted on the DRO board
I'm not able to paste a link as I'm a newbie here0
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