Advice about DRO, getting married and oh's house

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Hello everyone, this is my first post here although i have read the forum for many years.

I will keep this shortish

I have been to seek advice from the CAB re my debt, circa £14,000. They said a DRO would be the best way forward as i fit all the criteria but to get it all set up and an appointment with a debt advisor to go through the application and i need to get a whole lot of stuff for them it may well be 10-12 weeks before they can process the DRO application

I plan to marry my oh in 9 weeks time, we do not live together at the moment.

He has purchased a house for us all to live in using his money as deposit etc, my names will not be on the mortgage, i do not want any claim over it. He will pay any house related costs i.e. decorating, maintaining, repairs. We will be going 50/50 on all bills APART from the mortgage which he is paying.

Once we all live together my surplus will still be under £50 a month as i will loose the help i get from tax credits to help with childcare costs for my 2 children . I will, in effect, be working for no income once childcare, fuel, parking has been taken into account but my employer funds my university course and there will be real prospects for me within the company after the next 18 months or so.

My oh has said tonight that would my DRO could be refused if we married? On the basis that if it is his house once we marry i automatically inherit some claim on it?

I know of people who live together in their partners mortgaged house but aren't married and have been accepted for a DRO. I lost my last husband suddenly and i do not believe in living together prior to marriage so this isnt an option

if i marry my oh and he pays a mortgage on a house will it exclude me from being granted a DRO given the situation outlined above.
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Comments

  • wba31
    wba31 Posts: 2,189 Forumite
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    in short, no. As you pay nothing toward the initial purchase of the house, and nothing to the mortgage, strictly speaking you have no financial interest in the property and therefore it's nothing to do with you when looking at the DRO.
    When budgeting after your marriage, you dont even need to declare his income and expenditure, you only need to give your income and your expenditure.
    10-12 weeks is a long time to wait for CAB, why not try Step Change or National Debtline to do your DRO.
    I know someone in the DRO team at Step Change who said the turn around time once they've received DRO paperwork is approx 1 week. If approaching one of these instead get your Experian credit report ASAP as this is something they will want to see, and can take a few days to get a hold of
  • inneedofsomehelp
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    wba31 wrote: »
    in short, no. As you pay nothing toward the initial purchase of the house, and nothing to the mortgage, strictly speaking you have no financial interest in the property and therefore it's nothing to do with you when looking at the DRO.
    When budgeting after your marriage, you dont even need to declare his income and expenditure, you only need to give your income and your expenditure.
    10-12 weeks is a long time to wait for CAB, why not try Step Change or National Debtline to do your DRO.
    I know someone in the DRO team at Step Change who said the turn around time once they've received DRO paperwork is approx 1 week. If approaching one of these instead get your Experian credit report ASAP as this is something they will want to see, and can take a few days to get a hold of

    Thanks so much for that.

    I have signed up for the free 30 day expeiren thing so have my credit report here. CCCS have quoted a simular waiting time to the CAB but i will explore other options.

    I have been told i need to get statements etc from all my creditors, tax credit award notices etc tbh this is whats holding the process up to some degree. All the bills are on DD and i open, read and destroy all my letters so i need to wait for this months statements to come through.

    With regard to tax credits i have just (this week) had my annual review and have been told it may take 8 weeks to get an award notice, CAB want the award notice so i need to wait for that.

    Is there a way around this? ie can i show my bank statements showing the same money going in from tax credits? Would this suffice?

    Also, with the statements etc from creditors i have been thinking that surely if i have my credit report to hand and it is upto date i dont really need the statements as the credit report will show all my debts?

    Any thoughts
  • wba31
    wba31 Posts: 2,189 Forumite
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    Thanks so much for that.

    I have signed up for the free 30 day expeiren thing so have my credit report here. CCCS have quoted a simular waiting time to the CAB but i will explore other options.

    I have been told i need to get statements etc from all my creditors, tax credit award notices etc tbh this is whats holding the process up to some degree. All the bills are on DD and i open, read and destroy all my letters so i need to wait for this months statements to come through.

    With regard to tax credits i have just (this week) had my annual review and have been told it may take 8 weeks to get an award notice, CAB want the award notice so i need to wait for that.

    Is there a way around this? ie can i show my bank statements showing the same money going in from tax credits? Would this suffice?

    Also, with the statements etc from creditors i have been thinking that surely if i have my credit report to hand and it is upto date i dont really need the statements as the credit report will show all my debts?

    Any thoughts

    places like statements of debts because they sometimes need addresses for the forms, and they can get account numbers and balances from the evidence.
    With regards to income a bank statement showing income being paid into the account should be fine, award letters are a nice to have rather than a must have.
    I have messaged the Step Change posters on here to check this thread out and find out what they're approximate lead time to turn around a DRO is...
  • inneedofsomehelp
    inneedofsomehelp Posts: 29 Forumite
    edited 10 May 2013 at 10:40AM
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    Thank you.
    I have/could get contact details for the debts easily. 2 of the debts are with DCAs but i have their details . My credit report shows the debts and i have called a few asking for repeat statements so I could call them all and ask for correspondances addresses. I already have account numbers and my credit report shows my latest balances. I have got *some* statements that have arrived over the last few days.

    I would rather get this sorted before we get married and move home i feel i can then have a real new beginning for us all. I realise i need to keep the DRO dept informed of my whereabouts etc but it would be so good to get this out the way sooner rather than later
  • inneedofsomehelp
    inneedofsomehelp Posts: 29 Forumite
    edited 12 May 2013 at 5:53PM
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    Hi everyone. I am really confused now. The CAB lady rang back and tried to book me in with an advisor but is saying she wont be able to do this until we are married, as in she wont be able to book me an appointment and then i need to wait as the figures we were talking about were hypothetical and not real costs. Whilst i realise they are not real costs today they will be in a short while. I wanted their help really with the allowed expenses as it will be half

    I spoke to CCS both online and over the telephone and they wouldn't assist me with regards to what is or isnt acceptable with regards to expenses. I tried to do the online tool but as i am paying half of things the figures there say too low etc. I can't put on the form i am a single person as i know the couples allowed expenses is not simply double of a single person. Then i have half of 3 childrens allowances to factor in.

    I do not know what i should do. I am seriously considering delaying the wedding for 12 months just so i can do the DEBT RELIEF ORDER and get my debts sorted.

    Is there anyone that can assist me, or maybe give me some pointers on the figures that are allowed for my situation. I will be paying half of all bills and i realsie bills are what they are but i am struggling on household expenses and the likes

    My fuel costs are also quite high i do 600 miles a month just to and from work. I then need to take children school and the likes so it all mounts up. Will they allow actual fuel costs?

    I feel like i am drowning and there is no way out

    Could someone be so kind as to try and help me with all this
  • [Deleted User]
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    Yes I found fuel wasn't an issue if that helps and my petrol cost at the time of applying for a DRO was high because of my nature of work at the time I don't recall having to justify myself on household spend and what is essentially required spend when paying priority bills - I can't help think to much of a big deal is being made of all this by the CAB - can you try National Debtline or one of the non-charity (you really won't get messed about if they figure you don't qualify) - I think your over-worrying about individual figures, simply to qualify for a DRO, after priority bills your dispose income must not exceed the £50 pm

    I remember the former CCCS going through government 'recommended' figures but this was only when I wanted a DMP and was being rejected

    You just need to tell them what your paying out at the moment as you
    I wouldn't put of doing a DRO if it is needed right now x
  • debt_doctor
    debt_doctor Posts: 4,595 Forumite
    First Post First Anniversary Combo Breaker
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    Hi,

    I am a DRO intermediary.

    I'll PM you tomorrow evening.

    DD
    Debt Doctor, Debt caseworker, Citizens' Advice Bureau .
    Impartial debt advice services: Citizens Advice Bureau Find your local CAB *** National Debtline - Tel: 0808 808 4000*** BSC No. 100 ***
  • inneedofsomehelp
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    yes, i am over worrying about individual figures you are correct, i am trying to juggle figures as 1 of my children has an expensive hobby he competes at quite a high level in his sport for his age and i know his actual costs would not be allowed so im figuring if i can get max allowances for somethings i can then re-allocate that money to his sport. once you take into account kit and travel its a frightening amount of money each month that my mother is currently paying as i cannot afford to but its not a sustainable solution

    i dont want to apply now only for the dro unit to do another statement of affairs once i marry for the dro to be revoked if they feel i have more than the £50 pcm available. So i am trying to do a 'before' and 'after' iykwim?

    thanks for the help x
  • inneedofsomehelp
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    Hi,

    I am a DRO intermediary.

    I'll PM you tomorrow evening.

    DD

    Thank you so much
  • wba31
    wba31 Posts: 2,189 Forumite
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    yes, i am over worrying about individual figures you are correct, i am trying to juggle figures as 1 of my children has an expensive hobby he competes at quite a high level in his sport for his age and i know his actual costs would not be allowed so im figuring if i can get max allowances for somethings i can then re-allocate that money to his sport. once you take into account kit and travel its a frightening amount of money each month that my mother is currently paying as i cannot afford to but its not a sustainable solution

    i dont want to apply now only for the dro unit to do another statement of affairs once i marry for the dro to be revoked if they feel i have more than the £50 pcm available. So i am trying to do a 'before' and 'after' iykwim?

    thanks for the help x

    The issue is that you do need to be honest in your application, but if your food was low and the figure is high, you could suggest "stopping the activity for your child and putting the figure into your food budget..."

    You need to speak to Step Change again, and do a budget based on your figures NOW. Tell them you are looking at the DRO and if they can see if you are eligible. The wedding at this stage is irrelevant. If you can do the DRO, get it in place, and then when married then tell them how things have changed, and they will heklp you make a new budget
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