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DRO approved what now?

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Hi All

DRO has been approved a few days ago, but still worried and anxious thinking something will happen! When can i relax is it true my creditors can object? and have 28 days to do so??
I have been truthful not taken any credit out for nearly 6 months and really living off nothing each month, im just frightened something will happen and my 17 creditors and 14k debt will come back and bite me on the !!!!!!
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Comments

  • fatbelly
    fatbelly Posts: 22,970 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Cashback Cashier
    You can relax now.

    Your debts are now frozen and will be written off in 12 months
  • Oh i hope so can finally enjoy pregnancy! Never again will i get myself into a situation as bad as i did, lesson learned. If i cant afford then i cant have. Thanks fatbelly
  • Jr14
    Jr14 Posts: 60 Forumite
    I'm currently applying but have used credit in the last 2 months ���� this was before seeking debt advice I've stopped using them since!
    Do they often object?
  • sourcrates
    sourcrates Posts: 31,554 Ambassador
    Part of the Furniture 10,000 Posts I've been Money Tipped! Name Dropper
    Insolvency unit use their discretion, they will usually only object if you have disposed of assets or are suspected of some kind of fraud.

    Recent use of credit wont raise any eyebrows i suspect.
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
  • fatbelly
    fatbelly Posts: 22,970 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Cashback Cashier
    Jr14 wrote: »
    I'm currently applying but have used credit in the last 2 months ���� this was before seeking debt advice I've stopped using them since!
    Do they often object?

    Creditors occasionally object , less often than you might think. About 1 in 100. A proportion of these are upheld, maybe a third.

    I don't see why using credit before asking for advice would be a problem. I'd be surprised if it were.
  • Jr14
    Jr14 Posts: 60 Forumite
    Eek thank you! Didn't even think of this!

    What's the reason they normally object? Using credit or taking out new? (Mine haven't been new).
  • Jr14
    Jr14 Posts: 60 Forumite
    Phew thanks :)
  • fatbelly
    fatbelly Posts: 22,970 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Cashback Cashier
    Well you're dealing with small numbers and even though I've done several hundred of the things I have little experience of how the objections might break down.

    I have had a creditor object that the surplus income figure was higher than declared, and my helpful water authority have trawled their records for ancient water debts to take a client over the 20k limit, even though they had previously been asked about this.

    When you say 'using credit', what does that mean? Using a credit card to buy food? Funding a gambling problem?
  • Jr14
    Jr14 Posts: 60 Forumite
    Ah okay thanks - no gambling just living costs really! However I did move house and put my bond on my card expecting to pay it back but unfortunately haven't been able too due to a mix up in rent dates.
  • Jr14
    Jr14 Posts: 60 Forumite
    But this was done way before seeking debt advice and wasn't used with the intention of not paying it back
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