DRO timescales etc

BadgerBadger1

Do you have to have more then one appointment to do a DRO with the CAB or do you have to take advice from them first....

Do they require all three credit reports or do they just use experian?

fatbelly

Practices vary on both of your questions. I do one face-to-face and one telephone appt. I generally just get Experian.

But other intermediaries, even on my team, will do multiple appointments and multiple credit reports

BadgerBadger1

Is the any benefit to have the credit reports printed off ready for an appointment? I am just waiting for a court case to conclude in July which I will lose and will then much to the anger of the claimaint include it in the DRO

fatbelly

BadgerBadger1 wrote: »

Is the any benefit to have the credit reports printed off ready for an appointment? I am just waiting for a court case to conclude in July which I will lose and will then much to the anger of the claimaint include it in the DRO

I'd be delighted if clients came to the first appointment with 3 credit reports!

BadgerBadger1

Thanks I'll get it all in order then ;)can print of credit reports easily as have free access to all three

BadgerBadger1

One more question. I no longer have Any open bank accounts ( all closed and shown on credit reports as closed ) all I have is a BS account with a zero balance will I need to get a statement of this showing nil balance

BadgerBadger1

I should I am currently using my OHs account. Will they need to see that. Although I have no money in her account

fatbelly

BadgerBadger1 wrote: »

One more question. I no longer have Any open bank accounts ( all closed and shown on credit reports as closed ) all I have is a BS account with a zero balance will I need to get a statement of this showing nil balance

I don't see why - it's neither an asset nor a debt, with no transactions.

BadgerBadger1 wrote: »

I should I am currently using my OHs account. Will they need to see that. Although I have no money in her account

You will probably have to prove any income in your name and when you say you are 'using it' I presume that is where it goes so a statement from it may be useful.