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    • fatbelly
    • By fatbelly 10th Jan 18, 12:40 PM
    • 12,247 Posts
    • 9,281 Thanks
    fatbelly
    Hello

    After months of putting my head under the sand ive finally got all the information together needed to start my DRO application, I sent off the paperwork application to StepChange a few days ago.

    Just wondering if anyone has any idea of the current average waiting time for stepchange to process this? and to get to the stage of paying the £90 fee and it being sent off.

    Are we talking a couple of weeks maybe longer?

    Many thanks
    Originally posted by Heliotr
    I don't work for stepchange but they were saying 6-8 weeks last year. Are they getting the credit report, or you?
    • Heliotr
    • By Heliotr 10th Jan 18, 2:08 PM
    • 3 Posts
    • 0 Thanks
    Heliotr
    Hi thanks for the reply
    Wow 6-8 weeks was hoping it would be a little sooner than that, but i presume they are very busy with applications.

    I have printed off my noodle credit report and see the it along with the application.
    • User1976
    • By User1976 11th Jan 18, 7:19 AM
    • 7 Posts
    • 3 Thanks
    User1976
    It took four months for my DRO from start to paying barcode. Although there was Christmas in the middle of that
    • Twubble
    • By Twubble 11th Jan 18, 10:05 AM
    • 47 Posts
    • 6 Thanks
    Twubble
    My application was received 3 weeks and 2 days ago, and I have been told that it will be between 3 and 5 weeks before I hear anymore. It's the busy time of year. I'm going through Business Debtline, but I think they're all pretty busy at the moment.
    • Twubble
    • By Twubble 23rd Jan 18, 4:02 PM
    • 47 Posts
    • 6 Thanks
    Twubble
    My application was received 3 weeks and 2 days ago, and I have been told that it will be between 3 and 5 weeks before I hear anymore. It's the busy time of year. I'm going through Business Debtline, but I think they're all pretty busy at the moment.
    Originally posted by Twubble
    UPDATE: I have just been informed that it will now take another 5 or 6 weeks before my paperwork and barcode are generated. Not happy.
    • Gellerbing
    • By Gellerbing 16th Feb 18, 10:30 AM
    • 28 Posts
    • 2 Thanks
    Gellerbing
    Ive received my application for DRO through email and just been reading through the questions and documents they need.
    Is there a reason they are asking for my employer details? i don't exactly want my work to know my business, will it affect my job at all?

    They also want a credit report and suggested noddle, however when i tried signing up they asked for debit card details which i don't want to give. Can i send them a report from clear score instead? Or does it have to be noddle?

    Im currently having money taken out of my wages because i was overpaid for 3 months, does this need to be included in my debts? My last payment will be next week to them so by the time i submit my application i won't owe any more to my employer.

    When would be best to stop paying my creditors? It says to contact them now explaining that im applying for a dro, but do i still pay them during this time? At the moment im still paying them the minimum and leaving myself with nothing at all to keep them off my back, if i stop paying or pay token payments before my dro application goes in, then i will be much worse off if the application is rejected but at the same time im worried it will be rejected anyway if im still paying them.

    Also do i have to close my bank account? I have no overdraft but i do have 3 credit cards linked to the account, can they take money to pay for the cards whilst in a DRO?
    Last edited by Gellerbing; 16-02-2018 at 10:43 AM.
    • cathbland87
    • By cathbland87 16th Feb 18, 10:43 AM
    • 1 Posts
    • 0 Thanks
    cathbland87
    Hi there, not sure if I'm in the right place and this is my first ever forum post so please be gentle !!!128522;. I was granted a debt relief order 2 days ago and included in the debts are 2 over payments to child tax credits (around £600) and an income tax debt from 2011 (around £300). Can anyone advise in what happens next please? Benefits are currently deducting a percentage off my weekly benefit for the child tax credits overpayment and the income tax is being collected at £8.90 per month via direct debit, I have cancelled this direct debit under the advice of the debt relief order and phoned them yesterday but they said they hadn't received anything yet, so I'll keep trying then, but is this normal? Does it take a while for them to update? Also what happens with the tax credits overpayment? How long do they take to receive the DRO paperwork and update their end? Do I need to phone them and email a copy of the order? Can anyone advise or has anyone been in this position and can advise me on what you did or what they said please?
    • fatbelly
    • By fatbelly 16th Feb 18, 8:07 PM
    • 12,247 Posts
    • 9,281 Thanks
    fatbelly
    Ive received my application for DRO through email and just been reading through the questions and documents they need.
    Is there a reason they are asking for my employer details? i don't exactly want my work to know my business, will it affect my job at all?

    They also want a credit report and suggested noddle, however when i tried signing up they asked for debit card details which i don't want to give. Can i send them a report from clear score instead? Or does it have to be noddle?

    Im currently having money taken out of my wages because i was overpaid for 3 months, does this need to be included in my debts? My last payment will be next week to them so by the time i submit my application i won't owe any more to my employer.

    When would be best to stop paying my creditors? It says to contact them now explaining that im applying for a dro, but do i still pay them during this time? At the moment im still paying them the minimum and leaving myself with nothing at all to keep them off my back, if i stop paying or pay token payments before my dro application goes in, then i will be much worse off if the application is rejected but at the same time im worried it will be rejected anyway if im still paying them.

    Also do i have to close my bank account? I have no overdraft but i do have 3 credit cards linked to the account, can they take money to pay for the cards whilst in a DRO?
    Originally posted by Gellerbing
    Employer details are asked in case there is a court attachment to earnings order - in which case the employer is told to stop the payments. They are not routinely contacted. Whether insolvency affects your job depend on what job you are in. Ask if you don't know.

    The only credit report the DRO Team insist on is Experian. Some intermediaries get a second or third report. If yours is insisting on a Callcredit report then you can get a statutory one here:

    https://www.callcredit.co.uk/consumer-solutions/your-credit-report/statutory-credit-report

    You can pay this with a credit card, or fill out the printable application form and send this by post with either a £2 cheque or postal order made payable to ‘Callcredit Limited’. The completed form should then be sent to Consumer Services Team, Callcredit Limited, PO Box 491, LEEDS LS3 1WZ.

    You have to include any debts you have on the day after the DRO is submitted so your overpayment will not be a debt.

    Stop paying your creditors now. Get £90 together for your application

    Get a new bank account now. Put that one in as a debt if it goes overdrawn.
    • fatbelly
    • By fatbelly 16th Feb 18, 8:16 PM
    • 12,247 Posts
    • 9,281 Thanks
    fatbelly
    Hi there, not sure if I'm in the right place and this is my first ever forum post so please be gentle !!!128522;. I was granted a debt relief order 2 days ago and included in the debts are 2 over payments to child tax credits (around £600) and an income tax debt from 2011 (around £300). Can anyone advise in what happens next please? Benefits are currently deducting a percentage off my weekly benefit for the child tax credits overpayment and the income tax is being collected at £8.90 per month via direct debit, I have cancelled this direct debit under the advice of the debt relief order and phoned them yesterday but they said they hadn't received anything yet, so I'll keep trying then, but is this normal? Does it take a while for them to update? Also what happens with the tax credits overpayment? How long do they take to receive the DRO paperwork and update their end? Do I need to phone them and email a copy of the order? Can anyone advise or has anyone been in this position and can advise me on what you did or what they said please?
    Originally posted by cathbland87
    Always gentle on this thread!

    Your debts are frozen now. Creditors cannot demand payment and you are not allowed to pay them.

    I think you are asking: how long does it take for creditors to be informed?

    The big ones are informed by email so by the time you are on the register, they have already been informed. However, big institutions like HMRC have a multitude of departments and in practice it may take some time for the message to get to the right one. You could help things along by sending a copy of your 'DRODEBTNOT' - the debtor's notice - to them.
    • Gellerbing
    • By Gellerbing 17th Feb 18, 9:23 AM
    • 28 Posts
    • 2 Thanks
    Gellerbing
    Thank you very much, thats helped a lot.
    Just one more thing, when opening a new bank account i know to go for a basic account but does it matter if i use the current account switch service many banks use now?
    Can they take money from our joint savings account?
    Last edited by Gellerbing; 17-02-2018 at 9:27 AM.
    • fatbelly
    • By fatbelly 17th Feb 18, 3:39 PM
    • 12,247 Posts
    • 9,281 Thanks
    fatbelly
    Thank you very much, thats helped a lot.
    Just one more thing, when opening a new bank account i know to go for a basic account but does it matter if i use the current account switch service many banks use now?
    Can they take money from our joint savings account?
    Originally posted by Gellerbing
    The switch service is safe.

    Once the DRO is in place they have no right of set-off as that would be a remedy against the debt. But the same principle applies as in all debt advice - you should not be banking where you have debts. So I'd move the savings too.
    • snowwhyte
    • By snowwhyte 24th Feb 18, 8:00 PM
    • 53 Posts
    • 489 Thanks
    snowwhyte
    I have decided i finally need to address my debt problem. I am a carer for my elderly grandparents. I registered as self-employed so that I could earn some money online but I make an average of about £150 a month. My grandparents provide me with free room and board and £100 a month towards my expenses. I have £16,000 of unsecured debt and can no longer keep up with the payments.
    I think I qualify for a DRO and am planning to phone business debt line next week to discuss my options. I have a few questions about proving my income. My payment for online earning come through Paypal. Can I use a Paypal statement as proof of earnings? Also my grandparents give me money in cash so i can't prove this as income. Do i need proof of that?
    • fatbelly
    • By fatbelly 24th Feb 18, 9:53 PM
    • 12,247 Posts
    • 9,281 Thanks
    fatbelly
    I have decided i finally need to address my debt problem. I am a carer for my elderly grandparents. I registered as self-employed so that I could earn some money online but I make an average of about £150 a month. My grandparents provide me with free room and board and £100 a month towards my expenses. I have £16,000 of unsecured debt and can no longer keep up with the payments.
    I think I qualify for a DRO and am planning to phone business debt line next week to discuss my options. I have a few questions about proving my income. My payment for online earning come through Paypal. Can I use a Paypal statement as proof of earnings? Also my grandparents give me money in cash so i can't prove this as income. Do i need proof of that?
    Originally posted by snowwhyte
    You'll need to discuss this with BDL - normally for someone self-employed, you would use the last set of accounts. A paypal statement would not show your net income after tax and expenses.

    Unless your grandparents are employing you, their £100 is not income, it's just a random gift and the rule is that a third party can do what it likes with its money. Most of my clients these days have a negative financial statement and are propped up by friends and family.
    • snowwhyte
    • By snowwhyte 25th Feb 18, 1:35 PM
    • 53 Posts
    • 489 Thanks
    snowwhyte
    You'll need to discuss this with BDL - normally for someone self-employed, you would use the last set of accounts. A paypal statement would not show your net income after tax and expenses.

    Unless your grandparents are employing you, their £100 is not income, it's just a random gift and the rule is that a third party can do what it likes with its money. Most of my clients these days have a negative financial statement and are propped up by friends and family.
    Originally posted by fatbelly
    So does that mean I don't include the £100 and have outgoings that are greater than my incomings?
    • fatbelly
    • By fatbelly 25th Feb 18, 1:47 PM
    • 12,247 Posts
    • 9,281 Thanks
    fatbelly
    So does that mean I don't include the £100 and have outgoings that are greater than my incomings?
    Originally posted by snowwhyte
    Probably, yes. But be guided by BDL.

    You are propped up by friends and family like so many others now.

    If the insolvency service ever analysed the DRO applications I am sure they would be able to show an increase in negative financial statements since these things started in 2009.
    • Gellerbing
    • By Gellerbing 27th Feb 18, 7:34 AM
    • 28 Posts
    • 2 Thanks
    Gellerbing
    Ive finally got all my paper work together and filled everything out ready to send back, but on the checklist and the agreement its asking for my client reference number. As far as im aware i haven't got one, I've checked through my application form, all the emails ive had and its not mentioned anywhere. Should i have one? If so how do i find out what it is? Will they still accept the application if i don't put the number on the form?
    There is a web number in my debt remedy action plan, would that be it?
    • snowwhyte
    • By snowwhyte 27th Feb 18, 4:23 PM
    • 53 Posts
    • 489 Thanks
    snowwhyte
    I worked up my nerve and phoned the business debt line. I was on hold for forty minutes but finally got through to an advisor. We went through my figures and they want to include the money from my grandparents as part of my income. I'm still under the threshold for the DRO so they are sending me an application pack. They said that there is currently an eleven week wait so I should get my application in as soon as possible.
    • snowwhyte
    • By snowwhyte 28th Feb 18, 7:18 PM
    • 53 Posts
    • 489 Thanks
    snowwhyte
    I applied for a new bank account with Nationwide today. It said my application was accepted but the email they sent said they may need further information so will see if it goes through. If the application fails I am then eligible for their basic account.
    I also got a phone call from Barclaycard today. I told them I was receiving advice from the National Debt line and gave them my reference number and they agreed to hold my interest for another month. They are very friendly and helpful but I hate phone calls in general and awkward ones in particular.
    • Damo66a
    • By Damo66a 9th Mar 18, 7:51 PM
    • 10 Posts
    • 1 Thanks
    Damo66a
    hi there.

    im currently looking into applying for a DRO. My first question is, according to my contract for my hp car, if im subject to bankruptcy or iva (no mention of DRO) i can lose the car but still be expected to pay. I need my car for work.

    Ive never missed a payment to them and i can afford the monthly payments for the car without issue.

    Do i have to include the hp car in the dro given the contract doesnt explicitly state a DRO. I appreciate that a DRO is a type of bankruptcy but their wording is not that specific.

    TIA
    • Twubble
    • By Twubble 9th Mar 18, 9:10 PM
    • 47 Posts
    • 6 Thanks
    Twubble
    Hi. With a DRO, you cannot have a car if it is worth over £1000.
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