Dro and DFS etc

Three7six

Hi, I'm currently in a DRO myself but mine was fairly straightforward, and I have a friend considering a similar thing. She is now in disability benefits and satisfies the £50 rule. She has £13k on a credit card, 1.5 grand outstanding on a finance plan via DFS and another 800 on Yourplan which I think is Curry's. Can she put the credit card debt through a DRO and keep repaying the finance agreements and leave them out of it? If not, what happens to the sofa/ appliances if the debt has to be included?
I've tried to google it but everything is about cars.
Thank you

mwarby

I'm not sure but I suspect both DFS and yourplan are just unsecured loans, if you include them nothing happens. Its only if its a hire purchase or secured loan that they can take the items away.

In my IVA I had a Currys loan (through creation finance) for a laptop, no attempt or mention of repossessing laptop was made

fatbelly

If it's HP (and dfs might be), payments are up to date, for essential goods, the debt can be excluded and the payments counted as legitimate expense