GOT OUR DROS Today!!

stu12345_2

just phoned the insolvency service , my dro and wife's dro got approved, got email confirmation today too.
the IS register will be updated 2 working days later with our names

no mail due in post and cap not being informed either which is odd cos the IS said cap never put down their contact details 
, just ours

fatbelly

Well done, Stu. Got there in the end

And well done to CAP who succeeded where others failed

stu12345_2

spoke to cap, they said they do get informed and will phone us next week for a chat with any q and a next week 

my wife and I are still thinking we should have changed jobs nearly 3 yrs ago or dropped our hours and did a dro back then.

if anyone is reading this don't let anyone say you can't go part time and have a dro approved cos you can and we proved you can still get one 


there is no rule preventing you doing just that 


with careful planning and using Christians against poverty, not CAB or money wellness 

weve paid £13000 back , which could have been avoided, but what's done is done, and that's in the past

the stress is now truly off us for a year now 

this is better than GCSE results lol

sourcrates

Great news stu, very pleased for you both, now go back to normal, and don`t think about those debts again.

Once your 12 months are up, then a credit file clean up might be in the offing.

Brie

Keep your paperwork safe just in case someone decides to ignore the rule that they shouldn't pursue - rare but it does happen unfortunately.  Check if CAP have a system to filing a copy on your behalf as an extra precautionary measure.  

Well done - glad you got there in the end.

stu12345_2

screenshot our email already.

for those that don't know who CAP is and how they take away the emotional stress and work out a solution too
very short inspiration video with mse founder Martin Lewis 

https://youtu.be/G81HbSXfWk0?si=ZbcgSZpN83ycz830

stu12345_2

got our q and a call from cap saying we got our dros and our time and account is now closed and well done. and any questions to ask the IS in the future (and to have a small celebration tonight.)

they sending letter in post and a  thank you card signed by the cap team and  to confirm client  account closure

ih8stress

That's brilliant news @stu12345_2 , really pleased for you both

Wish my family member could use CAP but we are going to try Citizens Advice instead. They've not phoned to book an appointment yet (health issues and need to feel strong enough when tackling anything) but hopefully will in the next couple of weeks. I've told them to try and gather as much info as possible in the meantime.

Hopefully onwards and upwards for you now. Don't think of the money you lost before getting the DRO, just think of the money you will save NOW, AND more importantly - the less STRESS you will have, which is priceless 

stu12345_2

thanks, the amount of effort, stress and paperwork involved to get to this point over last 2.5 years, was tremendous. but I've learned a lot about debt recovery now and like to share what I've learned.

i have no intention of ever getting credit ever again, it's not worth it, pay cash or go without 

your family member will get there with organisation and planning  and help from  a debt charity imo.

let's me know how your friend gets on and any questions