DRO application, what a shambles!

fatbelly

Sorry to hear that, Stu. It sounds like Money Wellness don't understand the rules, either

FWIW they are here

https://www.gov.uk/guidance/debt-relief-orders-guidance-for-debt-advisers

If you want to keep trying, the full list of 'competent authorities ' is here

https://www.gov.uk/guidance/how-to-get-a-debt-relief-order-dro#organisations-who-can-help-you-get-a-dro

stu12345_2

it would be good is someone can lay down the rules in having to get benefit top ups, no matter if it's a £ , cos the advisor said creditors would want maximise full sources of money.

hence the advisor refused to proceed cos I said I won't claim and if I did claim they said as they expect me to land a higher paying job within  12 months, that would put me over the £75 limit, they wouldn't proceed or give the link to fill in the forms.

I have run out of ideas what's next. I start my part time job this afternoon, the boss thinks he has some more hours , but that would stop a future dro application cos I be over the £75 limit.
plus never heard that rule in bankruptcy, you have to claim benefits if you are due them, no matter how tiny.

I thought bankruptcy can't be refused if you don't claim anything, cos you don't want to, surely you can't be forced, or the IP will reject bankruptcy application 

bankruptcy, could it work staying in my low income, or will I be forced to claim a top up no matter how small, we have £1400 saved, but need old banger car for wife for work, it's a 1.5 mile walk at 6 am, no buses, she would have to do bankruptcy too.
but we both did a couple of small preferencial payments to creditors, can bankruptcy be rejected cos of that.

the advisor said it could in a dro, what about bankruptcy application 

fatbelly

Do you have a CMA centre near you?

https://www.communitymoneyadvice.com/freedom-from-debt/find-a-centre

We're fast running out of options here

stu12345_2

we wrote about dozen letters recorded delivery to our creditors yesterday showing our wages, other creditors debts,outgoings and asking them do make a decision, we have about £15 to be split amongst 11 creditors monthly 


we have no debts to any priority company, eg rent, gas, we are up to date there we told them that.

did not declare our savings to them, but told them my only asset is a very old car
we also said we would not be claiming any benefits, no matter how tiny they are

we also asked them to write the debts off, unlikely tho.

fat belly, we have read lots of posts from other folks problems  on this forum  MSE and the solution is a dmp or bankruptcy, dro usually, my wife and I no longer have any solution 

fatbelly

You are very well informed.1000 posts now.

A DRO would be a solution except that you have now met two intermediaries blocking your way

It's why I asked if you had a CMA centre near you. They don't process many DROs but they can, and I have heard many good things about them. 

I suppose another would be CAP

stu12345_2

there is one about 45 miles away, it does email and phone, I'm rural England you see.  there is a CAP in my town tho, you phone them first for advice 

my main questions now are in bankruptcy, are you expected to claim UC no matter how small an amount, cos that is the main problem of the DRO rejection 

if I don't need to claim , I will choose bankruptcy if needed and stay in my part time job,my new boss said he may have some more hours, but of course that would block a dro and give me an ipa in bankruptcy 

so was the money wellness officer right or wrong saying that the IP will block either or both a DRO and bankruptcy if the applicant does not claim all they can

fatbelly

He was wrong

stu12345_2

in summary they would not recommend a dro , cos we would  be claiming UC ( forced to)and we would expect to move to full-time employment in next 12 months from part time , thus stopping the dro within the 12 months and thus the debt it had  frozen.

I also got the impression reading between the lines was to increase our earnings by 5 hours which takes us out the criteria to be eligible for any benefits,but then we would have to " lose" 5 hrs of wages in new expenses per week to stay under the £75 rule per month each 

the only things missing from my budget was pet insurance and contents insurance.

the advisor refused to give us an allocation  for an emergency fund for eg white goods

i could sense the advisor was hinting that many folk apply for dro, but once they hear they are too rich for a dro , they then start to increase their budget  expenses fraudulently in order to fit into it.

I also got the impression that they thought knew best  in their opinion , cos at one point they run through a potential IVA instead if we qualify  or not, and I said woah, hold it right there,I own no house, and  they also said regardless what I had read online   about  things about debts ,don't trust advice online unless it it is from an approved debt organisation such as them.

stu12345_2

made an appointment with CAP Christians against poverty for next Wednesday, it's a home visit with an advisor for 1 and a half hours to work out a solution.

I will ask the question do we have to apply for UC no matter how small to be allowed to apply for bankruptcy or a DRO. and see what the advisor says.

cos money wellness said there are no solutions left except for £1 token payments for a long time it seems 

thanks for the links!!

sourcrates

From my limited knowledge on the matter, bankruptcy is pretty much self declared, you pays your money, and clicks the button, and that my friend, is that.

I have never seen a post from any recently bankrupt on this forum where they have been made to claim benefits to maximise income, correct me if I am wrong.