Is it our responsibility to inform creditors of a DRO?

WinMeSomeStuff

Hi,

Writing on behalf of my partner who has been approved DRO from April this year. She is still receiving letters stating missed payments, possibly going to debt collectors if no response etc, which i know is the usual. 

Just wondering do we need to contact these creditors ourselves to infrom of the DRO to stop the letters/progressing to debt collectors? We presumed they were informed via the insolvency service and we didnt need to chase them.

Thanks for any info!

JonVarnas

You don't have to, but if the letters get annoying it doesn't hurt to send them a quick email with your DRO details. When I had my DRO the IS notified all my creditors and all bar one stopped immediately. I just sent them an email and a couple of days later I got a reply stating that they would no longer pursue it. And that was the last I ever heard from them.

WinMeSomeStuff

JonVarnas said:

You don't have to, but if the letters get annoying it doesn't hurt to send them a quick email with your DRO details. When I had my DRO the IS notified all my creditors and all bar one stopped immediately. I just sent them an email and a couple of days later I got a reply stating that they would no longer pursue it. And that was the last I ever heard from them.

Thanks for the response. I will just tell exactly that if she gets annoyed to send them the DRO info. Thanks again!

Sonic101

Hi there

 As JonVarnas said, the IS will contact her creditors so the letters should stop, but it wouldn’t do any harm to send letters or emails herself - she could just send them the DRO reference with a polite request for them to stop sending any further letters and leave it at that. 

Even if the debts are passed to collection agencies and/or the letters don’t stop, she shouldn’t worry, as neither the creditors nor collections agencies have any power, no action can be taken as she’s in a DRO. 

So if they do keep sending letters they’re basically just wasting their own time :-)

WinMeSomeStuff

Sonic101 said:

Hi there

 As JonVarnas said, the IS will contact her creditors so the letters should stop, but it wouldn’t do any harm to send letters or emails herself - she could just send them the DRO reference with a polite request for them to stop sending any further letters anf leave it at that. 

Even if the debts are passed to collection agencies and/or the letters don’t stop, she shouldn’t worry ñ, as neither the creditors nor collections agencies have any power, no action can be taken as she’s in a DRO. 

So if they do keep sending letters they’re basically just wasting their own time :-)

Cheers for the reassurance! Thanks for all the info.

sourcrates

The Insolvency service will have written to all her creditors informing them of the DRO when it was granted, there are occasions when this information does not trickle down to other departments though.

Also its not usually until towards the end of the DRO when credit files etc are updated, and some collection activity can continue as occasionally DRO`s may fail.

WinMeSomeStuff

sourcrates said:

The Insolvency service will have written to all her creditors informing them of the DRO when it was granted, there are occasions when this information does not trickle down to other departments though.

Also its not usually until towards the end of the DRO when credit files etc are updated, and some collection activity can continue as occasionally DRO`s may fail.

Thanks it makes sense that accounts may remain open until the end of a DRO in case of it being cancelled. Thanks again for all the info.