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    • chickenman33
    • By chickenman33 13th Mar 17, 10:25 PM
    • 1Posts
    • 0Thanks
    DRO Advice
    • #1
    • 13th Mar 17, 10:25 PM
    DRO Advice 13th Mar 17 at 10:25 PM

    I'm currently in debt for 19,500. I have been researching DRO's and have a few questions I was hoping I could find the answers to here. I have never missed a payment on any of my debts however I feel that I am at a stage now where I am having to use available credit to meet my minimum payments.

    1. Will I be granted a DRO if I've never missed any payments but meet all the criteria? My disposable income after household bills in massively in the negative.

    2. I have a car that has my name on the log book however my parents bought this car for me and my partner and my partner has a written contract with my father (in her name only) that she will pay my father in monthly installments. The car is worth around 4500-5000. Where would this stand as obviously although my name is on the log book there is an outstanding finance to my father owed by my partner for 4200. My partner is the only one who uses the car and she uses it to travel to work and do the shopping etc. This is the only car in our household.

    3. What can I expect after my application is submitted? Will anybody come to my house to check my assets etc?

    Thanks for your help.
Page 1
    • fatbelly
    • By fatbelly 14th Mar 17, 6:49 PM
    • 12,258 Posts
    • 9,286 Thanks
    • #2
    • 14th Mar 17, 6:49 PM
    • #2
    • 14th Mar 17, 6:49 PM
    1. Yes

    2. The registered keeper is not necessarily the owner. If your wife owns it, it's not your asset.

    3. No-one will come to your house. Many different forms of checks could be done but the only routine ones are an Experian check and a check of the insolvency records.
    • sourcrates
    • By sourcrates 14th Mar 17, 9:23 PM
    • 14,059 Posts
    • 13,315 Thanks
    • #3
    • 14th Mar 17, 9:23 PM
    • #3
    • 14th Mar 17, 9:23 PM
    Double check your debts are below the 20k limit.

    The whole DRO process relies on the information you give the insolvency service.

    It would be an impossible task to perform those checks you mention for every application, they simply do not have the staff to perform such checks, one reason debt relief orders were introduced was to take the pressure off the bankruptcy courts for lesser debt amounts.
    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 :
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