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Am I debt free?

matilda.cs
matilda.cs Posts: 260 Forumite
Part of the Furniture 100 Posts Name Dropper Combo Breaker
edited 5 August 2018 at 6:45AM in Bankruptcy & living with it
Hello, how can I check whether I’m discharged following a DRO, please?
I got my dates wrong and it appears that my 12 months may be over already... (which doesn’t seem long enough)
I’ve checked the IIR and it says date of DRO 3/8/17 - am I automatically debt free now? From memory, I thought it was November, which is why I just wanna be sure!

Thanks :)

Comments

  • Craig1981
    Craig1981 Posts: 769 Forumite
    Third Anniversary
    you are discharged from a DRO 12 months after the date of it. you should receive correspondence in this regard to say that you are. if you have checked your name on https://www.insolvencydirect.bis.gov.uk/eiir/IIRRegisterNameInput.asp?option=NAME&court=ALL . lick on your name and it will give full details - contact the OR for your case and ask them to advise...

    note, your defaulted accounts will remain on your credit report for up to 6 years from date of original default dates, but so long as they were included in your DRO, no further action will be taken

    hope this helps
  • matilda.cs
    matilda.cs Posts: 260 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    Awesome. I’ll give them a call tomorrow, but the date on the website clearly says 3/8/17
    I’m sure everyone is anxious at this time, just the prospect of finally being able to look forward:)
  • fatbelly
    fatbelly Posts: 23,724 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Cashback Cashier
    There's no correspondence at the end of a DRO but the entry changes on the register to say it's completed, then disappears 3 months later. You could take a print-out from the register now, to send to anyone who requests proof later.

    If you need a confirming note from the DRO team they can generate one but this is not done routinely.
  • matilda.cs
    matilda.cs Posts: 260 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    It says:

    Currently Subject To Debt Relief Order : Moratorium Period ended on 03 August 2018 See FootNote

    Is that good?
  • fatbelly
    fatbelly Posts: 23,724 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Cashback Cashier
    matilda.cs wrote: »
    It says:

    Currently Subject To Debt Relief Order : Moratorium Period ended on 03 August 2018 See FootNote

    Is that good?

    Yes - your DRO completed on Friday
  • matilda.cs
    matilda.cs Posts: 260 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    So Im debt free and no longer need to worry about notifying IS about any changes, etc?

    Im actually free?????

    Thanks everyone.

    MSE Forums, the 5th emergency service.
  • Twubble
    Twubble Posts: 81 Forumite
    Sixth Anniversary Combo Breaker
    Congratulations. 4.5 months in myself and can't believe how quickly it's going.
  • sourcrates
    sourcrates Posts: 32,518 Ambassador
    Part of the Furniture 10,000 Posts I've been Money Tipped! Name Dropper
    edited 5 August 2018 at 12:51PM
    matilda.cs wrote: »
    So Im debt free and no longer need to worry about notifying IS about any changes, etc?

    Im actually free?????

    Thanks everyone.

    MSE Forums, the 5th emergency service.


    It will stay on your credit file for another 5 years though.


    Although the entry will change to discharged, but don't hope to get any credit anytime soon.
    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
  • matilda.cs
    matilda.cs Posts: 260 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    Don!!!8217;t want any credit, don!!!8217;t worry about that! Wahoo c
  • fatbelly
    fatbelly Posts: 23,724 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Cashback Cashier
    matilda.cs wrote: »
    Don!!!8217;t want any credit, don!!!8217;t worry about that! Wahoo c

    That's the attitude!
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