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    • ergot2005
    • By ergot2005 19th May 17, 9:17 PM
    • 6Posts
    • 1Thanks
    Worried about getting DRO
    • #1
    • 19th May 17, 9:17 PM
    Worried about getting DRO 19th May 17 at 9:17 PM
    Hi all.

    I'm currently running a DMP with stepchange. I've been with them for a year now . Things have now changed my wife has just started maturnity leave and obviously took a large pay cut. So now my bills are bigger. I have done another debt thing with them and I have 13 pounds spare per month. Based off my 1750 take home per month. Which is all well and good

    I have 13 debts currently majority are pay day loans "kids don't get these"
    I was panicking some years ago and took these out to meet my basic living expenses. Very stupid mistake circa 12k in debt altogether .

    I'm very nervous I won't be accepted for a DRO stepchange says they cannot see why I wouldn't be . I'm just unsure how picky the official reciever is. My wages are not static they change from one week to the next. I'm a lorry driver and I work long hours some times. I've put down 400 a week which would be a basic week. Usually this can be anywhere upto 500. I'm really struggling and really would like a Dro

    Just wondering if I can explain to the O.R that this discrepancy is due to working extra I would hate to be rejected for this or make things difficult while on DRO? ?

    What will the O.R ask for? What does he/she check about me
    Proof of income? And anything else???? I'm just waiting for my paperwork from stepchange
Page 1
    • sourcrates
    • By sourcrates 19th May 17, 9:50 PM
    • 14,031 Posts
    • 13,287 Thanks
    • #2
    • 19th May 17, 9:50 PM
    • #2
    • 19th May 17, 9:50 PM

    It's not bankruptcy, you don't need to explain anything or provide any proof.

    Your intermediary fills in the forms on your behalf, it's submitted to the insolvency service, they do Some basic checks, and normally go with the intermediarys recommendation.

    Stepchange or who ever you use, will round your budget up as an average figure, they don't submit DRO applications unless there 99.9% sure they will be accepted.

    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to Any views are mine and not the official line of

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Free Legal advice see :
    • ergot2005
    • By ergot2005 19th May 17, 9:53 PM
    • 6 Posts
    • 1 Thanks
    • #3
    • 19th May 17, 9:53 PM
    • #3
    • 19th May 17, 9:53 PM
    Ok thank you. I understand it's not bankruptcy. Just won't want to mess things up I understand if your rejected yiu cannot reapply .

    Step change seemed happy with everything so hopfully all will be ok. Really keen to get it sorted so I can step thinking about debts. Bills stress and start enjoying life again
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