Issues with ZOPA with a DRO

dustiebustie78

Zopa are listed as one of my creditors. I have missed a payment and so they call. They call off a number that is listed as spam and when you answer, it's an automated voice that cuts off, then goes to a call centre, then cuts off again. So I blocked it. I emailed to let them know that they are in my DRO and attached the letter that I received, I also told them that they can find me on the insolvency register. 

They wrote back and said I was behind on payment, that they do not offer payment holidays/breaks/freezes and so the process below will still happen. Process being 4 missed payments puts the account in default. then proceeded to ask what was the reason for getting into a debt relief order? what has transpired? was there any changes to my circumstances? was my income reduced or hours with employer? a crisis with the cost of living? etc?

I replied and said it was a mixture of all those things & said to put a note on my account that I am in a DRO. they then said that they acknowledged that I am in one, and asked who I applied the DRO with and if I had a reference number. I again told them that they can find me on the insolvency register and that the insolvency agency will get in touch if they havent already.

Are they allowed to question me like this? They're now asking me to set up a reduced payment plan as well as apply a 30-day breathing space... but I'm in a DRO???

I thought they'd just be like 'thanks for letting us know' and crack on with their day. 

fatbelly

They clearly don't understand what a DRO is, or at least the person you spoke to doesn't.

Stop talking to them, block their number and return their letters marked with your DRO number

ManyWays

If the letters continue you could send them a complaint and ask for compensation because they should not be behaving like this. I would say ask for £100 and say the amount will be increased if the problem is not resolved and you have to go to the Financial Ombudsman