DRO Due to come off

woody14867

Hi

I have a debt relief order which finishes at the end if September. From what I understand it automatically comes off of the DRO register three months after the finish date. What I am wondering is, if I apply for PPI after the completion date is there a chance that the DRO can still be revoked or does it end on the date it finishes.

sourcrates

Hi,


Come off what ?


Do you mean you will have completed your 12 month moratorium period successfully ?


You would not lose the money, but you would have your DRO revoked.

woody14867

Hi

Sorry what I meant to say was that once my moratorium period is complete can I make a PPI claim and the DRO not be revoked.

sourcrates

woody14867 wrote: »

Hi

Sorry what I meant to say was that once my moratorium period is complete can I make a PPI claim and the DRO not be revoked.

Yes, once completed and discharged, you can re-claim PPI.


This is because assets do not vest in the trustee, in a DRO, unlike in bankruptcy.

woody14867

Thanks Sourcrates.

Another quick question on the same point.

Is the discharge date the 12 month anniversary or when its taken off the DRO register?

sourcrates

woody14867 wrote: »

Thanks Sourcrates.

Another quick question on the same point.

Is the discharge date the 12 month anniversary or when its taken off the DRO register?

Its after 12 months, you remain on the insolvency register for another 3 months after that, and the entry will be visible on your credit file for a further 5 years.


Once the 12 months are successfully completed, you can start your claim, you are aware you can complain yourself for free arn`t you ?

woody14867

Hi
Yes I intend to use the tool on MSE!

National_Debtline

Hi Woody


A word of caution, if you reclaim PPI shortly after your DRO has finished (your DRO ends 12 months after it was made) it is possible that it could lead to your DRO being revoked. Each case would be judged on it's own merits.


Susie
@natdebtline

woody14867

Hi Susie

Thanks for the information.

How can that be if the moratorium period is 12 months, surely there has to be a point when you have 'done your time' ?

National_Debtline

Hi again Woody


It would be for the Official receiver (OR) to decide whether they felt the PPI claim was something you should have made prior to the DRO being made. If they thought it was then it could lead to your DRO being revoked, even after it has been completed. They will look at each case individually.


Best wishes


Susie
@natdebtline

sourcrates

As long as you get it started before next Augusts deadline, wait till its off the register, then complain.