Have DRO but check shows I owe nothing?

[Deleted User]

Well a dreaded call later and it turns out whilst the DRO does comes up but more alarmingly it also shows I don't owe anyone money?

Is this normal? I mean the way the lady was talking like this was most un-usual and I don't know if I done the right thing but all I could do was send her a copy of the the IS paperwork - I have only that and a letter once received from Equidebt, all creditors just vanished/not heard from since

I am asked if I am making payments?

This is all OTT ?

fermi

Credit reports are odd things. For anything to show they need to link up data like past/current addresses correctly each time so that your whole credit history shows. If the person/company checking has a little bit of info wrong, for example misspelling an address etc, then that chain can be broken and a lot of accounts just don't show up as they should.

Also depends what agency they are checking with. Not all creditors report to all 3. Could simply be the case that the one they are checking with does not hold records on those accounts.

[Deleted User]

Ah thank you that could make sense, the latest is asking what repayment amounts were agreed after being sent the i.s schedule so they have seen my creditors, I'm taking it their referring to before the debt relief order?? well I hope they are at present I'm unemployed not even on benefits and still can't afford to revoke this on the whim of a job offer which may not materlise - I feel with each email I'm stitching myself up!