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    • sourcrates
    • By sourcrates 11th Jul 17, 8:19 PM
    • 13,989 Posts
    • 13,254 Thanks
    sourcrates
    Have no idea, though they get notification or something? Or could be only because I phoned them.
    Originally posted by Pattie94
    Not a problem, just open a new basic bank account.

    No credit checks, open to everyone.
    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 forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Free Legal advice see : http://legalbeagles.info/
    • fatbelly
    • By fatbelly 11th Jul 17, 10:10 PM
    • 12,238 Posts
    • 9,273 Thanks
    fatbelly
    Have no idea, though they get notification or something? Or could be only because I phoned them.
    Originally posted by Pattie94
    Sounds like someone talking off the top of their head

    Not a problem, just open a new basic bank account.

    No credit checks, open to everyone.
    Originally posted by sourcrates
    Yep, no problems in getting a new bank account. If overdrawn, all the more reason to walk away and add it to the DRO.

    Just avoid Nat West
    • Pattie94
    • By Pattie94 12th Jul 17, 10:30 PM
    • 25 Posts
    • 3 Thanks
    Pattie94
    Thanks. Shame as I wanted to keep this account because it has really good benefits. I never had any debts with them or overdraft as only opened the account in March.

    So I have applied for Barclays basic account and after I have submited the application I realised there was no questions about the bank I want to switch from, phoned them straightaway only to find out that they can't do anything over the phone, not even cancel the application and I need to make an appointment in the branch if I want the switch service and there is currently 2 weeks waiting time great.. don't like this bank already
    • fatbelly
    • By fatbelly 13th Jul 17, 9:34 AM
    • 12,238 Posts
    • 9,273 Thanks
    fatbelly
    Thanks. Shame as I wanted to keep this account because it has really good benefits. I never had any debts with them or overdraft as only opened the account in March.
    Originally posted by Pattie94
    The odds are you will get to keep it as long as it is not overdrawn.

    I think you were talking to someone who doesn't understand

    There was a guy earlier in this thread who opened 5 or 6 bank accounts to try to retain at least one after the DRO. He ended up keeping them all! Bank accounts are only closed if they are overdrawn and appear on the application as a debt.
    Last edited by fatbelly; 13-07-2017 at 4:46 PM.
    • Pattie94
    • By Pattie94 13th Jul 17, 11:03 AM
    • 25 Posts
    • 3 Thanks
    Pattie94
    Can someone advice me where can I get DRO done quicker? I saw CAB intermediary two weeks ago and I though I am nearly at the stage of applying but yesterday she said she will transfer me to CAB call centre department, so I got a call from them this morning and appointment is on the 31st will they start my application from scratch?
    • fatbelly
    • By fatbelly 13th Jul 17, 4:44 PM
    • 12,238 Posts
    • 9,273 Thanks
    fatbelly
    Can someone advice me where can I get DRO done quicker? I saw CAB intermediary two weeks ago and I though I am nearly at the stage of applying but yesterday she said she will transfer me to CAB call centre department, so I got a call from them this morning and appointment is on the 31st will they start my application from scratch?
    Originally posted by Pattie94
    Sounds like they've referred you to the Money Advice Service in Durham.

    The main two organisations doing them are stepchange and Citizens Advice.

    I guess you could ask the original CA intermediary if they will do it themselves, or maybe try a different office.

    Do you have any independent Money Advice Centres near where you live?
    • Pattie94
    • By Pattie94 13th Jul 17, 6:53 PM
    • 25 Posts
    • 3 Thanks
    Pattie94
    I did ask her but apparently they are overloaded with cases. There is few more CABs nearby but not sure if there is a point going somewhere else as it will probably take simmilar time and will have to provide them with all details again so will stick to this appointment on 31st
    • fatbelly
    • By fatbelly 13th Jul 17, 8:44 PM
    • 12,238 Posts
    • 9,273 Thanks
    fatbelly
    I did ask her but apparently they are overloaded with cases. There is few more CABs nearby but not sure if there is a point going somewhere else as it will probably take simmilar time and will have to provide them with all details again so will stick to this appointment on 31st
    Originally posted by Pattie94
    Yeah, completely understand that. I do the same job at a CA. We're all linked by a common information system - at least the MAS team (they call themselves the DRO Unit) will draw on the info already obtained. The bad news is that they will want copies of all three credit agency files and they themselves are overloaded. Stick with it and you'll get there eventually.
    • Pattie94
    • By Pattie94 13th Jul 17, 10:48 PM
    • 25 Posts
    • 3 Thanks
    Pattie94
    Only thing that I am worried about is that my partner is near the limit, 19350 at the moment :/ We are both applying as we have some joint debts.
    • fatbelly
    • By fatbelly 14th Jul 17, 7:55 AM
    • 12,238 Posts
    • 9,273 Thanks
    fatbelly
    Only thing that I am worried about is that my partner is near the limit, 19350 at the moment :/ We are both applying as we have some joint debts.
    Originally posted by Pattie94
    If I were the intermediary I'd be getting on with that!
    • debtdepressed
    • By debtdepressed 15th Jul 17, 9:33 AM
    • 35 Posts
    • 6 Thanks
    debtdepressed
    waiting times
    Hello everyone, ive been rrading for weeks.
    My story and a little advice.

    Im in 14k debt live with my partner wjo owns the house, i have no assests debt in my name, my partner also isnt aware.

    I originally was on a DMP for 5 months paying 198.00 a month im a temp worker, in that 4 months my income dropped due to a new temp job so cancelled dmp.

    Anyway stepchange didnt offer a DRO as i have 82 surplus left.

    I went on to get help with NDL who worked out my budget thoroughly, they did this as a joint budget as my partner is self employed (only tp see if the bills where split equally) anyway worked out i had around 20 surplus left a month.

    Great they said i qualify for a DRO....... Then they advised it will take 9 weeks to be seen!!!! Then i will receive a phone call from a intermediary person, things will be doible checked fee paod application submitted???? Does this sound right 9 weeks just for my application to be looked at???

    Anyone any idea how long it will take if i go back to stepchange with the correct budget info??

    9 weeks is an awful long time for NDL to maybe say it will be refused etc, im 5 months pregnant so my income will decrease again in December.
    I have done a budget with my Maternity allowance, i will be down 500 a month but will save 100 a month as i will not be paying nursery fees, but also have another baby to feed, so my income increasing is 0% chance.

    This has depressed me so much ive been thinking suicide (i have been to the doctors who have signed me off work 6 weeks amd referring me to a counsellor)

    Any help appreciated xxx
    • debtdepressed
    • By debtdepressed 15th Jul 17, 9:59 AM
    • 35 Posts
    • 6 Thanks
    debtdepressed
    Also why do NDL request bank statements but Stepchange accept wage slips and benefit award letters. Just trying to speed things up. i have all my wage slips benefit letters, but like most mine are online statements, with no local library and being off work sick its not as easy to find somewhere i can print!
    • fatbelly
    • By fatbelly 15th Jul 17, 10:37 AM
    • 12,238 Posts
    • 9,273 Thanks
    fatbelly
    Hi

    portofcall confirms NDL have a 9-week lead time in this thread. I don't know what stepchange have and every CAB will differ.

    http://forums.moneysavingexpert.com/showthread.php?p=72839861#post72839861

    I imagine you could screenshot and send them a pdf - that would be the same as printing off a bank statement.

    Every organisation differs in internal practice - even CABs differ a bit from each other. There is no definitive list from the Insolvency Service about what evidence is needed.

    The bottom line is that you've been found eligible for a 90 scheme that will release you from your debts. It's worth sticking with the process.
    • debtdepressed
    • By debtdepressed 15th Jul 17, 12:41 PM
    • 35 Posts
    • 6 Thanks
    debtdepressed
    Thanks for your reply. I called stepchange this morning there waiting time is around 2 weeks, have to call back monday to discuss dro and update my budget to move forward.

    Either way its a step in the right direction
    One of my debts has been passed to a collection agency whilst on a dmp no notification only found out as i called aqua to get an updated balance on my account!! didnt think to let me know.
    • sourcrates
    • By sourcrates 15th Jul 17, 2:06 PM
    • 13,989 Posts
    • 13,254 Thanks
    sourcrates
    Thanks for your reply. I called stepchange this morning there waiting time is around 2 weeks, have to call back monday to discuss dro and update my budget to move forward.

    Either way its a step in the right direction
    One of my debts has been passed to a collection agency whilst on a dmp no notification only found out as i called aqua to get an updated balance on my account!! didnt think to let me know.
    Originally posted by debtdepressed
    Dont worry about been chased for these debts, debt collection can be a very long process, nothing happens quickly, all they will do is write to you and call you for the foreseeable future.

    If it bothers you that much simply write or email them and inform them of your intention to enter a DRO, they will most likely turn there attentions to someone else whose debt they can recover.
    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 forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Free Legal advice see : http://legalbeagles.info/
    • debtdepressed
    • By debtdepressed 16th Jul 17, 10:53 AM
    • 35 Posts
    • 6 Thanks
    debtdepressed
    change of circumstances
    Hi again,

    Another question.

    Upon thinking of thinks im now considering if i sjould wait for a DRO the reason being is that my job ends 31st august and my maternity allowance starts 17th september (probably paid end of sep) so the whole month i have no income.

    BUT the end of september to the end of November i will receive MA at 139 a week and CB 20.80 a week. I will be paying nursey fees no more so although im saving 600 nursey fees plus 100 work expenses a month im losing 500 in income, so although im around 100 a month better off i need baby things milk nappies bottles clothes etc with my partner contributing.

    Im worried they will see my surplus of being more then 50 a month, come end of november when my baby is born that will be extra cost so im not worried about that, its the month october and november.

    So because the waiting time is 9 weeks am i best going ahead and telling them my 2 change of circumstances (end of aug when my job ends no nursey fees, petrol expense less but no income for september) OR the end of November ( when my MA will all be in place and new baby here)

    Any advice recommendations would help.

    I really dont see my gaining any extra income at all due to me needing baby items.

    Thanks in advance x
    • debtdepressed
    • By debtdepressed 16th Jul 17, 11:20 AM
    • 35 Posts
    • 6 Thanks
    debtdepressed
    Also to add as i will not be working i will also lose the 116 a month tax credit childcare element, so perhaps ive answered my own question il be down atleast 650 a month.
    • Missmoo1987
    • By Missmoo1987 26th Jul 17, 4:05 PM
    • 4 Posts
    • 0 Thanks
    Missmoo1987
    Hi just a quick question but my dro was paid and processed on Monday afternoon around 5, by StepChange, I have called them and they haven't heard anything back yet, and I'm not on the register yet?
    Is this normal because I put my application in so late on Monday does it count as Tuesday?? I'm worried as I have bailiffs wanting to come in and take my possessions and I need this dro to be approved and I'm worried it won't be!? !!!55357;!!!56875;!!!55357;!!!56875;
    • debtdepressed
    • By debtdepressed 26th Jul 17, 4:20 PM
    • 35 Posts
    • 6 Thanks
    debtdepressed
    I wouldn't worry i think its 48 to 72 hours once submitted, should be on tomorrow. Stepchange wouldnt of processes it if they beleive you wasnt eligable.
    • Missmoo1987
    • By Missmoo1987 27th Jul 17, 10:58 AM
    • 4 Posts
    • 0 Thanks
    Missmoo1987
    Ok still not on the register today, I just spoke to StepChange and they haven't heard anything back yet either :-/ will they be told if it's rejected??! Agh this feels like it's taking forever, just need to know either way! So stressful:-/
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