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  • FIRST POST
    • Twubble
    • By Twubble 19th Oct 17, 9:20 PM
    • 47Posts
    • 6Thanks
    Twubble
    Self Employed DRO
    • #1
    • 19th Oct 17, 9:20 PM
    Self Employed DRO 19th Oct 17 at 9:20 PM
    Hi

    I've been reading the forum for a few months, but this is the first time I have posted. I did just type out a post and thought I had submitted it, but it's showing that I've not posted at all, so I'm assuming I did something wrong.

    To cut a long story short, after losing my job (contract ending and company not doing well), I have to apply for a DRO. I know that I qualify, having already carried out all the research, and reading all through these forums where there is plenty of great advice.

    I had built up the courage to apply so contacted StepChange, only to be told that as I am self employed (now) they can't help me, so put me in touch with another agency. But looking at all the new information and questions put me into flight mode, so I went back to burying my head again!

    What sent me running is that although I am self employed, I am not running a business. I am simply taking on (very low paid) typing jobs through a US agency and getting paid for jobs done. All the questions were about running a business, and that totally confused me and scared me silly. I am, however, registered as self employed.

    But I'm getting phone calls and letters each day as I was unable to (for the first time) make my monthly payments on my credit cards, etc, last month. I'm now entering the second month of not paying, and I'm so scared.

    So I'm hoping that someone can advise me who it is best to go through to apply for a DRO? I know I definitely qualify, and it's not something I'm finding easy to do, but I don't have a choice any longer. I've been struggling with debt for years, and it just gets worse and worse as I had to use credit to survive after paying my debt payments each month.

    So, who is it best for me to go through for a DRO, and how long is it taking at the moment. I need to deal with this. I'm so scared and panicky all the time. I'm a single mam with no family for support, and I can't just keep hiding from this.

    Your help is much appreciated.
    Thanks in advance.
Page 2
    • Twubble
    • By Twubble 22nd Dec 17, 4:40 PM
    • 47 Posts
    • 6 Thanks
    Twubble
    Just for reference for anyone else in the same boat, I have received written confirmation that Business Debtline has received my application for a DRO, and it states that there is a backlog, which means it could be up to 8 weeks before my application is allocated to an advisor. That's about 3 weeks more than I was told on the phone on the 4th December. It did take 2 weeks to get the key for my Experian report, so if you are thinking of starting this process, order your report so it's ready to get off straight away.

    I'm not sure whether any of the others are faster at the moment, but not a lot is going to happen in those extra weeks, so I will just have to be patient for a little longer. At least they have every single bit of information I could send them (and more!), so the application itself should be simple and quick for them to do.

    Merry Christmas everybody. Here's to a better 2018!
    • Twubble
    • By Twubble 23rd Jan 18, 3:27 PM
    • 47 Posts
    • 6 Thanks
    Twubble
    Hi everyone.

    Just an update and a bit of advice if possible.

    When I initially rang Business Debtline at the start of December, and after my discussion with the advisor there and then, I was told that there was a backlog for DROs, and that it would be completed around the end of January. I was given the opportunity to use another charity (although Stepchange had told me I have to go through Business Debtline due to being self employed). 6 weeks didn't seem too bad, though, so I said it would be fine.

    The forms were sent out and I received them a few days later. I had to wait two weeks for my credit report, and as soon as that was available, I sent the whole lot off to Business Debtline, and they received them on Tuesday 19th December. I received a letter saying that they had been received and it would now take 8 weeks. I queried this, and was told it was 6 weeks.

    Yesterday, I had an email asking me to complete a survey about their service. I emailed them (as I've not had any service yet!) to check that they hadn't sent out my draft application and barcode, as I'd not received anything and couldn't understand why I would get the survey.

    I've just had a reply to my email and has been told that I won't hear from them for another 5 or 6 weeks! So that will be 10 or 11 weeks (if it even happens then), after they received my application. That is ridiculous. I have emailed them and told them that I need to get this sorted. My application is so straightforward and easy. They have everything they need. I would do the draft application myself and they could check it, if that was an option. All the information I have sent them (5 weeks ago) will be out of date. Surely the backlog is not that big.

    I sent out the letters I was told to send, informing my creditors that it would be the end of January, now they're just going to think that I've lied about doing the DRO.

    Are all the agencies taking around 12 weeks to sort out the DROs? It's nuts, especially when I was told it would be completed by the end of January. I'm so upset about this.
    • ToxtethO'Grady
    • By ToxtethO'Grady 4th Feb 18, 9:44 PM
    • 112 Posts
    • 57 Thanks
    ToxtethO'Grady
    Hi Twubble

    Why do you feel you need it sorted so quickly? If your debts are near 20K that's the only reason for a quick DRO and these applications will be prioritised. Any legal action of CCJs would go into your DRO, pay your creditors a token payment a month until it goes through. These are free debt advice agencies and so have much higher workloads than the fee-chargers, I know that doesn't help but I feel you are worrying unnecessarily.

    I know you feel upset however it is what it is and they can only work through their workload at their rate making sure the DRO is not rejected, as it's 6 years before you can apply again.
    • snowwhyte
    • By snowwhyte 3rd Mar 18, 8:34 AM
    • 53 Posts
    • 489 Thanks
    snowwhyte
    When you submitted your DRO application what did you use as evidence of income? I am doing my form now and it says bank statements aren't proof of income but there are no examples of income proof for self-employed people. I realise I'll probably be spending half an hour on hold with BDL on Monday to get an answer but maybe i can find the answer myself.
    • Twubble
    • By Twubble 3rd Mar 18, 10:15 AM
    • 47 Posts
    • 6 Thanks
    Twubble
    I work for a US agency, so I am paid weekly via Paypal. I produced the Paypal printout plus the emails the agency sent me stating amounts paid. Mine was simple. If I had an online shop, I would have printed out the information from there. Not sure how else you could do it without providing masses of invoices, etc.
    • snowwhyte
    • By snowwhyte 3rd Mar 18, 10:40 AM
    • 53 Posts
    • 489 Thanks
    snowwhyte
    I am the same as you. I get paid through Paypal for work done online. I will probably still have to phone BDL to check but hopefully my Paypal statement and payment emails will be ok then. I don't want my application sent back if i miss anything. They received your application and it's waiting to be processed but do they make sure they have all the documents they need when they receive the application or when they process it?
    • Twubble
    • By Twubble 3rd Mar 18, 10:58 AM
    • 47 Posts
    • 6 Thanks
    Twubble
    I emailed them to check, and was told that I have sent in all the information they require ... but they'll let me know if the intermediary will contact me. They said the same the next time I emailed them around 6 weeks ago. So I am still half expecting them to ask for more or updated information. I'll put it on here if they do.
    • Twubble
    • By Twubble 5th Mar 18, 3:27 PM
    • 47 Posts
    • 6 Thanks
    Twubble
    Just been in touch with Business Debtline via email. A letter is on its way to me, and I have been booked for a telephone appointment next Wednesday. I'm just glad I've been assigned to an intermediary. Fingers crossed it won't be much longer after that. That will be 12 weeks and 1 day after they received my application, just for the reference for anyone else looking at timings.
    • snowwhyte
    • By snowwhyte 5th Mar 18, 6:55 PM
    • 53 Posts
    • 489 Thanks
    snowwhyte
    I'm glad to hear things are finally moving forward for you. Hopefully, it won't be too much longer.
    • Twubble
    • By Twubble 6th Mar 18, 1:45 PM
    • 47 Posts
    • 6 Thanks
    Twubble
    The letter has arrived. I've not been asked for any further or updated information. The letter just gave me the time and date for the telephone appointment and the bar coded letter to make my payment. I had expected that to come with a draft application, as I've seen other people say on here, but it's just a very brief letter. I'm now unsure whether it's just to run through the application on the phone (it says to allow up to an hour for the call) and then it will be sent, or whether the draft will be sent after the phone conversation. I have not been asked to check on the latest amounts of the dates, but I'll do that so I'm prepared. Fingers are firmly crossed that he can hit the button to send the application there and then.
    • Twubble
    • By Twubble 14th Mar 18, 4:01 PM
    • 47 Posts
    • 6 Thanks
    Twubble
    Just had my phone appointment. It lasted just over half an hour and was very straightforward, literally just running through what a DRO is, how it will affect me, and then ran through the information I had given them. He's drawing up the application, sending me a copy to go through and sign, then the application will be going in, so hoping for a DRO approval by the end of next week. I paid on Monday, so just the final stage now.

    Did have a bit of a hitch, though. I bought a private number plate about 10 years ago. It only cost a few hundred pounds, as they're not really my thing. As I had the money spare and it was perfect for me, I bagged it. He said that the OR could see that as an asset, so he advised me to get a valuation for the plate (which I've just requested) in case it comes up. It's only of value to me as I have a strange name, so it wouldn't be any good for anyone else, so I doubt I could sell it, but we'll have to see what the valuation comes up with. It shouldn't push me over my asset limit, so I'm not really worried about it ... much!
    • snowwhyte
    • By snowwhyte 14th Mar 18, 5:03 PM
    • 53 Posts
    • 489 Thanks
    snowwhyte
    Glad to hear your phone interview went ok. I'm sure the license plate won't be an issue and you'll soon have your DRO.
    • Twubble
    • By Twubble 14th Mar 18, 5:22 PM
    • 47 Posts
    • 6 Thanks
    Twubble
    I should have the receipt for it in my 'filing' system, so shall take a look. I did look at similar numbers while I applied for a quote, and they're less than I paid for mine, so everything is crossed. Not worried about it going, just about the possibility of it stopping my DRO, but that's unlikely to happen. It will soon all be over.

    Edited to add: I have located the receipt for the private plates, and they were 420. From similar ones I've looked at, it should be worth less now.
    Last edited by Twubble; 14-03-2018 at 5:45 PM.
    • snowwhyte
    • By snowwhyte 14th Mar 18, 5:35 PM
    • 53 Posts
    • 489 Thanks
    snowwhyte
    Well, except for the year's wait. I'm jealous. I wish I was a bit closer to getting mine. I'm not the most patient person so I've been distracting myself with chores. Luckily there's always something else that needs doing.
    • Twubble
    • By Twubble 14th Mar 18, 5:44 PM
    • 47 Posts
    • 6 Thanks
    Twubble
    Yes, still a year to go through, but I don't see how things will change in the year. I don't do the lottery, I'm not owed any money, and no one's going to pop off and leave me anything, so I'm not worrying about the coming 12 months. I'm looking it as a training period, where I note down everything I spend and really get a grip on things to make sure I never get in debt again.

    Looking back, it doesn't seem more than a few weeks since I put the application in 12 weeks ago. Time flies so quickly. I hope it does the same for you.
    • Twubble
    • By Twubble 16th Mar 18, 2:05 PM
    • 47 Posts
    • 6 Thanks
    Twubble
    The draft application arrived a short while ago, so I went through it, made slight adjustments to the amounts (interest and fees have been added to some of the accounts since I put the application in), checked everything thoroughly, and put the amount I paid for my private plates (420) ten years ago, and added that I have the original receipt for the purchase. I also have a quote online for 600, but it seems pretty ball park, as it does ask if I would like to adjust the price, presumably putting it down for a quick sale, if selling is the intention. I think I should be okay with that. Nothing else concerns me about the application. Funny, as I'd never even considered my number plate being an asset ... it's just a thing shoved on my car. Really really hoping that it doesn't put a big spanner in the works with the DRO. Anyway ... draft application is now in the post winging its way back to Birmingham, all signed and dated. It should arrive by Monday. I know they're aiming to have my DRO by the end of next week. Fingers are firmly crossed.
    • Twubble
    • By Twubble 19th Mar 18, 4:11 PM
    • 47 Posts
    • 6 Thanks
    Twubble
    Just had a phone call from Business Debtline. They've received my amended application and are ready to put it through for me today. I told him that I have the receipt for the private plates, and a quote for an estimated current price, and he's happy with that. They're ready in case the OR asks for them. He said he's happy to send it through for me today, and he hopes to hear on Wednesday, when he'll send me a text to let me know it's gone through. I'll be checking online anyway. Can't believe it's almost over.
    • Twubble
    • By Twubble 21st Mar 18, 1:08 PM
    • 47 Posts
    • 6 Thanks
    Twubble
    Yes! Just had a text from my Intermediary to inform me that my DRO has been accepted!! It's been a long haul with the huge backlog of applications, but things moved really quickly at the end, and I can't thank Business Debtline enough ... and the OR, of course! This give me a far greater chance of making a future for myself and enable me to be more self sufficient. It's MASSIVE! Not at all worried about the coming year. No one's going to be leaving me any money, I won't win anything ... and if I did, then I'd be happy to pay what I owe.

    Thank you all for your advice and support.
    Best wishes to you all!
    • snowwhyte
    • By snowwhyte 21st Mar 18, 5:44 PM
    • 53 Posts
    • 489 Thanks
    snowwhyte
    Congratulations. I'm happy to hear it finally came through for you.
    • Twubble
    • By Twubble 21st Mar 18, 5:49 PM
    • 47 Posts
    • 6 Thanks
    Twubble
    Thank you! Did you ever hear back from CAB about their waiting time? Really hope that you've got yours soon as well.
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