My (DRO) Debt Relief Order Diary

RestlessOverDebt

fatbelly said:

You were clearly speaking with an idiot

If they were stupid enough to start a court clam, your defence is 'this debt is in DRO numbered XX dated YY'

It's a complete defence

Just ignore everything you get unless you get an actual claim form from an actual court

Thank you so much Fatbelly. 
The first line of your response 'honestly' made me smile... then chuckle.
The rest of your reply has put me at ease. Thank you so much; most highly appreciated.
Kind regards
RestlessOverDebt

RestlessOverDebt

Diary entry
Quarter of the year into my DRO, the past three months seem to have flown by. It seems like just 2 weeks ago that I was gathering the up to date balance of my accounts. I still feel apprehensive, and can't believe I will be debt free in 9 months.

liggerz87

Time will fly i gave 3 months left nothing to be apprehensive about

RestlessOverDebt

liggerz87 said:

Time will fly i gave 3 months left nothing to be apprehensive about

Hi liggerz87
Thank you for your kind words. 
Congratulations on being debt free in another 3 months time, that's great news. I wish you every success in a debt free future.
Kind regards
RestlessOverDebt

liggerz87

Glad all is OK wellbi acrewed up missed one debt lol I asked step change what happened if they get in touch asking for money I been told tell insolvency people to ask of i can pay them monthly or whatever lol they said just ignore toll they message me lol

RestlessOverDebt

Hi liggerz87
Try not to worry, I'm sure your not the first person that has happened too. You had done the right thing in notifying them; so well done.
Wishing you the best of luck.
Kind regards
RestlessOverDebt 

liggerz87

thank you i found out I think 3 months after I not worried im one of those that don't care haha if it catches up to me ill then try ofder to pay if not ill leave it another year it be stat barred anyway in the 5 tears not heard nothing about it

RestlessOverDebt

Diary entry
Six months have flown by; now half way through my DRO.
A quick update regarding Provident (Satsuma). They upheld my complaint acknowledging 'their' Insolvency Team had received correspondence confirming that I had entered into a DRO, and that they 'should of applied the appropriate block code to the account'  As this was not done, the collections team followed the arrears process. They have apologised for the inconvenience caused and have amended my credit file, changing the 'Delinquent' status to 'Default' and changed the date to that of the DRO.
Kind regards
RestlessOverDebt

1977dave

I think one of the hardest things is trying to correct information that is held by companies and making sure it's up to date and that you're not being pursued all because computer says no or doesn't know what a DRO is

Time does fly and in 6 months you'll be free. My DRO ends in 2 weeks, not that I'm counting, and I spent the first lockdown ensuring that all my accounts were defaulted with the correct date and had a few battles with one company who were just incompetant like Satsuma

Not long to go now and you'll be debt free...it'll fly by!

RestlessOverDebt

1977dave said:

Time does fly and in 6 months you'll be free. My DRO ends in 2 weeks,
Not long to go now and you'll be debt free...it'll fly by!

Hi 1977dave 
Thank you for your reply. I am so pleased to hear that your DRO will finish in 2 weeks time; congratulations. I sincerely wish you every happiness and success with the fresh start of living a debt free life.
After carrying the burden of debt for so many years, in just 6 months, I will have a fresh start of living my life debt free (I can't even begin to describe how good that will feel after years of debt misery).
Kind regards
RestlessOverDebt