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Can invoices be included in dro?

I’ve just filled in all my creditors from my credit report. I have outstanding invoices that never went to court do I include them? 


  • MalMonroe
    MalMonroe Posts: 5,783 Forumite
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    Hi, I guess it would depend what the invoices are for.

    There's a lot of information in the following government link - 


    In that link it advises that you have to submit a DRO through an approved intermediary and it also gives you a list of them. I'd really recommend StepChange, because they helped me with my DRO.

    Why don't you contact one of the free debt help agencies anyway? They'll talk you through exactly what you can and cannot include. And they will be non-judgemental and very helpful. 

    The ones often recommended on here are National Debtline, StepChange and Citizens Advice and the details of each are on that list. 

    Their services are free so you may as well take advantage.

    I wish you all the very best.
    Please note - taken from the Forum Rules and amended for my own personal use (with thanks) : It is up to you to investigate, check, double-check and check yet again before you make any decisions or take any action based on any information you glean from any of my posts. Although I do carry out careful research before posting and never intend to mislead or supply out-of-date or incorrect information, please do not rely 100% on what you are reading. Verify everything in order to protect yourself as you are responsible for any action you consequently take.
  • sourcrates
    sourcrates Posts: 29,310 Ambassador
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    Ywz said:
    I’ve just filled in all my creditors from my credit report. I have outstanding invoices that never went to court do I include them? 
    Invoices from whom?

    Please explain further.
    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
  • fatbelly
    fatbelly Posts: 20,918 Forumite
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    Generally, yes. If your local garage, or vet or Funeral Director (I'm thinking of some recent cases I had) have invoiced you and you have not paid the invoice then this is a qualifying debt and MUST be listed.

    If this is some sort of scam invoice for something that was never supplied then it's not a debt.
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