DRO revoked help

Sasshack

Hi there
I wondered if someone could help me, I started a DRO in July last year and received a PPI payment I was not aware I was due in February 2019 for £2,500. None of my circumstances have changed and I reported it to the Insolvency service and they have revoked my DRO. I offered to pay my creditors the amount and they still revoked the DRO. Is there any way I can appeal as I was unaware I was due this payment and they have not considered my personal circumstances at all ?
Many thanks

boo_star

https://www.stepchange.org/debt-info/dro-moratorium-period.aspx

Edit: More specifically referring to lump sums

If it's worth more than £1,850 your DRO will normally be revoked.

Sasshack

Is there no way of appealing this decision as it is only slightly over the amount ?

boo_star

Sasshack wrote: »

Is there no way of appealing this decision as it is only slightly over the amount ?

You should receive correspondence stating why the DRO is being revoked and what you can do about it, although I suspect the answer is going to be no.

Apparently you can appeal to the court to have the decision overturned but I think it's unlikely in the circumstances.

Sasshack

There is no advice on how to appeal, just that due to the amount it will be revoked.
Surely there must be a way to appeal anyone’s decision, even the insolvency service.

Sasshack

Under what circumstances could I appeal to the court, if they allow amounts up to £1850, then surely there must be extenuating circumstances that they can consider for an amount of only £650 more ?

maxmycardagain

will creditors/debts in a DRO be informed and possibly renew effots to collect debts?

boo_star

Sasshack wrote: »

Under what circumstances could I appeal to the court, if they allow amounts up to £1850, then surely there must be extenuating circumstances that they can consider for an amount of only £650 more ?

I don't see any valid reason for allowing it.

The argument of "well it's close to the limit" is unlikely to work. After all what's to stop the next person complaining that "it's only £650 more than you allowed Sasshack to recieve" etc etc.

They seem to have soft limits already, £1000 seems to be allowed pretty much no questions asked and up to £1850 gets reviewed.

Ask your DRO adviser for help but I suspect they'll just repeat what I've said.

Sasshack

Thank you for your help, but I think I may have a couple of valid reasons that I hoped they may consider before revoking it, primarily, that if they revoke my DRO I would have to apply for bankruptcy, which would have an effect on my employment, which in turn would have an effect on me being a contributing member of society.
I just wondered if they would consider personal circumstances if challenged and what circumstances they would consider and how I would go about challenging.
I wasn’t assuming that the amount being just £650 more than their guideline was was enough, I just wanted to know what kind of case would be considered ??
Would I have a case to challenge them ?

RaspberryBaskingShark

Where would you find the money to take them to court?

Either way, read the link posted above. It states that if the amount is between £1000 and £1850 your personal circumstances may be reviewed. In your situation, the amount you’ve received is so far beyond the upper limit that they’ve set to take into account your personal circumstances you don’t have a leg to stand on.

I know it’s frustrating and a shock, and it’s a shame nobody advised you not to apply for PPI while a DRO was in the works as you could have applied after the DRO finished and avoided this altogether.

I don’t see how or why they would take into account the fact that you’ll apply for bankruptcy if the DRO is revoked, that’s not really a valid reason when taking out a bankruptcy affects everybody in the same ways (your credit report and score, chances of getting a mortgage, needing a guarantor for renting, being unable to serve on certain boards or do certain jobs, inability to get credit for a long time). Everyone believes they have extenuating circumstances hence why they’ve set a limit somewhere, a very generous limit with the opportunity for discretion to be applied up to £1850.

If your question is solely ‘how do I complain’ then you will need to contact them directly. But nobody here is going to tell you it’ll be fine and you’re hard done by as it’s just not the case and although you might feel some relief for a few minutes none of our views are going to affect the administrators of the DRO’s policies.

RaspberryBaskingShark

You might find this helpful, it pertains to your exact situation: google “debt camel ppi dro revoked”