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    • sourcrates
    • By sourcrates 10th Aug 19, 4:22 PM
    • 17,994 Posts
    • 16,934 Thanks
    sourcrates
    It makes little difference to be honest, you can complain if you want something to do, otherwise i`d let nature take its course, the DRO won`t disapear until 6 years have passed, so it won`t change much whatever you do.
    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 expressed are mine and not the official line of MoneySavingExpert.com.

    Helping you deal with problem debt.

    For free debt advice, contact either : Stepchange, National Debtline, CitizensAdviceBureaux.
    • stormpassing
    • By stormpassing 10th Aug 19, 4:31 PM
    • 111 Posts
    • 533 Thanks
    stormpassing
    Thanks Sourcrates,
    Obviously I’d rather leave it be and if it makes no difference anyway then I’m more than happy with that
    Lightbulb moment September 2015
    DFD estimated at 6yrs 7mnths 03/2022
    Total debt: 37,394.00
    #494 SPC 8 133
    #134 1000 emergency fund challenge 92.92/1000
    #11 3-6 months emergency fund challenge 25/5,400
    • simplenewstart
    • By simplenewstart 12th Aug 19, 12:19 PM
    • 5 Posts
    • 0 Thanks
    simplenewstart
    Dro Submitted
    My DRO was submitted last Thursday through StepChange. Even though it is all pretty straight forward, I am experiencing massive anxiety. I know it can be up to 10 days, but what are the average times at present? I was told I would get something in the post from the insolvency service. Will there also be an email or text? Cheers!
    • fatbelly
    • By fatbelly 12th Aug 19, 2:52 PM
    • 14,044 Posts
    • 11,053 Thanks
    fatbelly
    My DRO was submitted last Thursday through StepChange. Even though it is all pretty straight forward, I am experiencing massive anxiety. I know it can be up to 10 days, but what are the average times at present? I was told I would get something in the post from the insolvency service. Will there also be an email or text? Cheers!
    Originally posted by simplenewstart
    It takes one or two working days, the creditors and your intermediary then get an email.

    On the following day, you should get your Notice in the post and it appears on the insolvency register.
    • simplenewstart
    • By simplenewstart 13th Aug 19, 9:38 PM
    • 5 Posts
    • 0 Thanks
    simplenewstart
    Thanks fatbelly! Still nervously waiting. Hoping to hear something tomorrow.
    • simplenewstart
    • By simplenewstart 14th Aug 19, 3:53 PM
    • 5 Posts
    • 0 Thanks
    simplenewstart
    Is it a bad sign if it takes longer after a DRO application is submitted? SC submitted my application late Thursday afternoon. As of this afternoon, they haven't heard anything. My application seemed really straight forward, but now anxiety has me thinking the worst. They said it can take up to 10 days, but it seems most have a much quicker process. Now I am worried I missed something and it's all gone wrong.
    • fatbelly
    • By fatbelly 14th Aug 19, 4:06 PM
    • 14,044 Posts
    • 11,053 Thanks
    fatbelly
    Is it a bad sign if it takes longer after a DRO application is submitted? SC submitted my application late Thursday afternoon. As of this afternoon, they haven't heard anything. My application seemed really straight forward, but now anxiety has me thinking the worst. They said it can take up to 10 days, but it seems most have a much quicker process. Now I am worried I missed something and it's all gone wrong.
    Originally posted by simplenewstart
    Have you definitely paid 90 on the barcode?

    Have they definitely submitted it?

    The last one I did was last Wednesday and it was approved on Friday.

    If I had submitted one last Thursday but heard nothing, I'd be phoning to check tomorrow.
    • simplenewstart
    • By simplenewstart 14th Aug 19, 6:17 PM
    • 5 Posts
    • 0 Thanks
    simplenewstart
    Have you definitely paid 90 on the barcode?

    Have they definitely submitted it?
    I paid last Thursday morning and they submitted it last Thursday, later in the afternoon. When I called SC this afternoon for an update, they said they hadn't heard anything yet, but told me it can take up to 10 working days.

    Should I worry? I honestly don't know what I would have missed.
    • fatbelly
    • By fatbelly 14th Aug 19, 8:32 PM
    • 14,044 Posts
    • 11,053 Thanks
    fatbelly
    I paid last Thursday morning and they submitted it last Thursday, later in the afternoon. When I called SC this afternoon for an update, they said they hadn't heard anything yet, but told me it can take up to 10 working days.

    Should I worry? I honestly don't know what I would have missed.
    Originally posted by simplenewstart
    Let's consider the possibilities.

    1. The system was working well till Wednesday but hit a glitch on Thursday. I haven't heard that, but I didn't submit another one till today so can't rule it out.

    2. You paid on one barcode but they submitted the application relating to another one. In that case the application fails and you start again.

    3. They told you they submitted it but haven't done it yet.

    4. You paid at a PayPoint, not a Payzone.

    People think that a long delay means that the application is about to be rejected. That's not the case. The few rejections that get made happen quite quickly, usually because the intermediary has missed something obvious, like they're a homeowner, or have >20k of debt or had a DRO in the past 6 years.
    • simplenewstart
    • By simplenewstart 14th Aug 19, 9:25 PM
    • 5 Posts
    • 0 Thanks
    simplenewstart
    Let's consider the possibilities.

    1. The system was working well till Wednesday but hit a glitch on Thursday. I haven't heard that, but I didn't submit another one till today so can't rule it out.

    2. You paid on one barcode but they submitted the application relating to another one. In that case the application fails and you start again.

    3. They told you they submitted it but haven't done it yet.

    4. You paid at a PayPoint, not a Payzone.

    People think that a long delay means that the application is about to be rejected. That's not the case. The few rejections that get made happen quite quickly, usually because the intermediary has missed something obvious, like they're a homeowner, or have >20k of debt or had a DRO in the past 6 years.
    Thank you! My debts are definitely under 20k, I don't own a home, car, or ever had a DRO. I don't work as I am a "mature" student trying to get in a better position to work when I graduate in a couple years. I don't receive any benefits other than child benefit, but that goes right into my husband's account and he uses that for my part of the expenses. They said they assessed me 0, whatever that means, so it sounds pretty straight forward.

    It was definitely the right payment. I only know this because the place I went to does PayPoint and Payzone and they tried the wrong machine at first. It wouldn't go through. Once he tried it on the right machine, it was all good. I don't know about the points.

    I am praying that I see my name of the register tomorrow, but if SC hadn't heard anything in the late afternoon, that's probably overly optimistic.
    • sourcrates
    • By sourcrates 14th Aug 19, 9:55 PM
    • 17,994 Posts
    • 16,934 Thanks
    sourcrates
    Relax, the intermediary would not have submitted the application if it had any chance of being rejected.
    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 expressed are mine and not the official line of MoneySavingExpert.com.

    Helping you deal with problem debt.

    For free debt advice, contact either : Stepchange, National Debtline, CitizensAdviceBureaux.
    • fatbelly
    • By fatbelly 15th Aug 19, 7:39 AM
    • 14,044 Posts
    • 11,053 Thanks
    fatbelly
    It was definitely the right payment. I only know this because the place I went to does PayPoint and Payzone and they tried the wrong machine at first. It wouldn't go through. Once he tried it on the right machine, it was all good. I don't know about the points.
    Originally posted by simplenewstart
    I suspect that's where the problem is.

    Get your intermediary to check if the payment is showing at the DRO unit.

    I tell people to pay at a post office - never had a problem there.

    A failed application does not stop you making another one straight away.
    • marcusang4
    • By marcusang4 15th Aug 19, 6:19 PM
    • 2 Posts
    • 0 Thanks
    marcusang4
    I like some help I'm panicking I paid my fee by card at a paypoint not by cash on citizen advice site it says must pay by cash . I rang stepchange and told them I paid the fee .so they sent my application through I'm worried my payment will not go through I got a receipt so surly it would gone through
    • marcusang4
    • By marcusang4 15th Aug 19, 6:28 PM
    • 2 Posts
    • 0 Thanks
    marcusang4
    I paid my dro fee by bank card at paypoint I've heard you can only pay by cash I'm now worried the payment wouldn't gone through I used the barcode and I got a receipt will it still go through if paid by my bank card.
    • fatbelly
    • By fatbelly 15th Aug 19, 7:34 PM
    • 14,044 Posts
    • 11,053 Thanks
    fatbelly
    On the barcode letter it says:

    Before your Approved Intermediary can submit your DRO application, you need to pay the full 90 application fee.

    If you need to, you can pay this fee in instalments of 5 or more. You can make as many instalments payments as you need, but you must pay the full 90 within 6 months of creating your application.

    If you no longer wish to proceed with your DRO application, please contact your Approved Intermediary who will arrange for the necessary refund.

    To make a payment, you simply need to:
    1. take this letter to your local Post Office or you may be able to pay at a Payzone – you can find a Payzone store near you by visiting www.payzone.co.uk
    2. show them the barcode
    3. make a payment by cash or card
    so you can pay by bank card

    but you can't use Paypoint

    Edit: checked and the CAB site is a little wrong there
    Last edited by fatbelly; 15-08-2019 at 7:38 PM.
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