Had dro trying to do credit clean up

liggerz87

and this is what they said and trying to lump me with the debt again after reading it and having time its made me angry @sourcrates @fatbelly what you both think time to complain to the ico

MalMonroe

Hi I've also had a DRO in the past and creditors are not supposed to chase you for any payments. If a debt was included in the DRO they are no longer payable.

However, if it's a hire purchase debt or anything to do with rent arrears, they can still chase you. 

Did you contact somewhere like StepChange or Citizens Advice to help you to get your DRO? Even if not, you could do worse than phone them for advice. 

There's helpful info in this link from Citizens Advice as well. 

https://www.citizensadvice.org.uk/debt-and-money/debt-solutions/debt-relief-orders/debt-relief-orders-explained/what-happens-at-the-end-of-a-debt-relief-order/

You would be off better complaining to the Financial Ombudsman because the ICO's main concern is data control and breaches thereof. But not just yet, I'd get some advice from one of the free debt help agencies first.

(p.s. Sorry, I realise I'm not sourcrates or fatbelly, who I know are both very knowledgeable but I have had a DRO in the past, as I say. Hope I was a bit helpful.)

liggerz87

Thank you it was step change that that set up my dro ye IV noticed there both really knowledgeable ah so financial ombudsman my wrong lol ye water bill was added to dro 

fatbelly

They're treading a fine line here. They're not demanding payment but are inviting you to pay in order to get a different mark on your file.

This is against the spirit of a DRO if not against the law. Is this a Water company? You're unlucky that they report. Mine doesn't.

Unfortunately while you live in that area you do have to have dealings with them.

The question here is whether their present marking of the account is accurate and the ICO is best placed to rule on that

liggerz87

Thank you ye a water company default in 2017 I think gor dro 4th November 2019 ended last month I called step change wasn't much help to be honest they didn't even know what a credit clean up is I told them to check here and look at legal begal thank you

1977dave

There's some handy information here 

https://debtcamel.co.uk/repair-credit-record-dro/

It might be worth googling who the CEO is of the company and sending an email request to them using the letter templates in the link above.

I had an issue with Etika ringing me up and demanding payment despite being 5 weeks away from finishing my DRO and not having the correct default date. I found the CEO email address from the CEO Email site, sent an email asking to correct the default date and to stop with the payment demands and it was done within the hour.

Sometimes with things like this it's worth bypassing customer services and going straight to the top. It's shocking just how many companies and their staff don't know what a DRO is

Good luck!

liggerz87

Update had a rant on twitter tagging ombudsman ico insolvency service got an inbox from them Welsh water sent them the screen shot and gave them my details got a message back they now marked it as settled and closed they said they got in touch with the cras but couldn't say when that would happen 

fatbelly

Well done

Others now know how to deal with Welsh Water!

sourcrates

Chancers, legislation is clear on this, good choice to make a fuss to name and shame.

liggerz87

Yep that's why I like this I had been emailing them as soon as I went to Twitter and advice from here it's sorted untill the credit reports update that is least people will see how to deal with Welsh water if you want to see my rant on twitter it's the same as here