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DRO accepted

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greyrainbow
greyrainbow Posts: 18 Forumite
10 Posts Photogenic
in IVA & DRO
Not sure how I feel. I sent my application off to StepChange 7th September and had my DRO granted by the OR today, all sent via email.
Thank you to those who helped me with my questions! I really appreciate it.
My name isn't on the IR yet, imagine it will be in a few days? 
I am happy, but feel it was too easy. I suspect that's the guilt, but hopefully over time I will learn to be happy that I will be debt free in 12 months :smile:

Comments

  • liggerz87
    liggerz87 Posts: 406 Forumite
    Fifth Anniversary 100 Posts Name Dropper
    Congrats time will fly i had mine on 4th November last year paid on 31st October time has flown
  • greyrainbow
    greyrainbow Posts: 18 Forumite
    10 Posts Photogenic
    edited 2 October 2020 at 7:39AM
    Thank you, liggerz87 :smile: Not long for you now!  :)
    I noticed this morning that my CC has been completely removed from my bank account - I can't even view its status? Is this normal? 
  • JonVarnas
    JonVarnas Posts: 252 Forumite
    Seventh Anniversary 100 Posts Photogenic Name Dropper
    greyrainbow said:
    Thank you, liggerz87 :smile: Not long for you now!  :)
    I noticed this morning that my CC has been completely removed from my bank account - I can't even view its status? Is this normal? 
    My DRO was accepted on the 30th and it appeared on my TransUnion credit file the very next day so it's possible. Also, all of my credit accounts have disappeared from my Experian file.

  • greyrainbow
    greyrainbow Posts: 18 Forumite
    10 Posts Photogenic
    JonVarnas said:
    greyrainbow said:
    Thank you, liggerz87 :smile: Not long for you now!  :)
    I noticed this morning that my CC has been completely removed from my bank account - I can't even view its status? Is this normal? 
    My DRO was accepted on the 30th and it appeared on my TransUnion credit file the very next day so it's possible. Also, all of my credit accounts have disappeared from my Experian file.

    Useful to know, thank you! Well done on your DRO too - in a year's time we'll be debt free!!  :)
  • sourcrates
    sourcrates Posts: 31,552 Ambassador
    Part of the Furniture 10,000 Posts I've been Money Tipped! Name Dropper
    Ignore what goes on with regard to your credit file, in fact i suggest you ignore it completly untill you are discharged, then start the process of credit file clean up.
    A DRO is an easy solution, as long as you qualify, they were designed as a simpler form of bankrupcy, to be honest you wouldn`t know you were in it once its granted, simple, straightforward, no hassle, i bet your all wondering what all the fuss was about already eh !!
    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
  • greyrainbow
    greyrainbow Posts: 18 Forumite
    10 Posts Photogenic
    Yes I was very stressed but now relieved :)
    I shall ignore all until next year then rather than obsessing over it, thank you! 
  • liggerz87
    liggerz87 Posts: 406 Forumite
    Fifth Anniversary 100 Posts Name Dropper
    I agree with sourcrates you don't have clue it happens and as sour amd a few on here say pay no attention to the score it a marketing gimmick 
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