dro & my bank

krissy_86

i have a dro in place and it includes my overdraft on my bank account but they havent took my overdraft away and still charges me £20 every month, i asked the cab did i need to tell them they said i didnt need do anything, its the same with a housing benefit overpayment they still take that out of my benefit each week please help ive not a clue how it all works thanx in advance

wba31

krissy_86 wrote: »

i have a dro in place and it includes my overdraft on my bank account but they havent took my overdraft away and still charges me £20 every month, i asked the cab did i need to tell them they said i didnt need do anything, its the same with a housing benefit overpayment they still take that out of my benefit each week please help ive not a clue how it all works thanx in advance

With your bank account you should have a new account to have your income paid into. All creditors can continue to add interest and charges for the duration of the DRO, and the debt is cleared at the end of the 12 month moratorium.
Your housing benefit overpayment is an included debt so the payments should have stopped.

Has your DRO been approved? Are your details listed on the Individual Insolvency Register? If so you need to contact your local authority who takes the housing benefit overpayment and tell them of your DRO, and advise them to stop taking payments.

fatbelly

wba31 wrote: »

Has your DRO been approved? Are your details listed on the Individual Insolvency Register? If so you need to contact your local authority who takes the housing benefit overpayment and tell them of your DRO, and advise them to stop taking payments.

And to refund everything they've taken since the date the dro was approved.

They have no remedy against the debt during the moratorium, and they will have been informed of this by the dro unit.

krissy_86

yes my dro was approved in march and i am on the register, they havent give me a new bank account, does this mean i have to open one myself?? and as for my housing benefit they havent stopped taking it out of my benefit!! but my council tax is still tryin to take me to court but thers a twist withe council tax, at the time i owed £800 so they say and threatened to take me court before my dro was approved since then i pay £15 a wk on council tax and instead of taking it off the new they have taken it off the old bill so now they trying to send me court for this yrs bill what do i do about that thanx

fatbelly

Advice on the overpayment of HB is as above - if it was listed in your DRO, the council cannot make a deduction from your present award against this.

The same applies to Council Tax EXCEPT that this year's bill could only have been included if you had lost the right to pay in instalments at the date the DRO was granted.

If the DRO was granted in March then you would remain liable for payment of this year's (April 2013 to March 2014) Council Tax. And payments you make must be applied to this year's bill. Older accounts are frozen under the moratorium.

Sounds like you or your intermediary need to have a chat with them.

Where is your basic income (benefits or whatever) going? If it is going into a bank account that was not in your DRO, then you don't need a new one. If you do need a new account, no-one is going to do that for you.

krissy_86

so if i found a bank that would take me on will my old bank not be able to do anything about the charges that will be applied and that wont come back as a debt??