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  • FIRST POST
    • specialkay60
    • By specialkay60 6th Feb 18, 6:39 PM
    • 12Posts
    • 0Thanks
    specialkay60
    landlord informed?
    • #1
    • 6th Feb 18, 6:39 PM
    landlord informed? 6th Feb 18 at 6:39 PM
    Hi all!
    thinking about a DRO but 1 or 2 worries, are landlords informed about DRO as we have just moved due to previous landlord wanting their property back and as we on benefits as hubby disabled after a stroke was hard to get a landlord to accept us! also i have had a bit of a gambling problem i.e. betting then trting to recoup losses but have stopped now, finally hubby gets DLA and this is spent on his personal care but some times we use my income support towards his expenses so wondering how to put that expense correctly and he also goes through a lot of clothes due to incontinence and way he walks so that would be a big amount. sorry for ramble, hope to get some good advice
    Sharon
Page 1
    • sourcrates
    • By sourcrates 6th Feb 18, 8:38 PM
    • 13,759 Posts
    • 13,083 Thanks
    sourcrates
    • #2
    • 6th Feb 18, 8:38 PM
    • #2
    • 6th Feb 18, 8:38 PM
    Hi,

    Only your creditors are informed about your DRO, no one else.

    I suggest you contact the DRO advisers at stepchange to see how your budgeting should work.
    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.
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  • National Debtline
    • #3
    • 7th Feb 18, 11:15 AM
    • #3
    • 7th Feb 18, 11:15 AM
    Hi specialkay60,


    You have raised a few queries in your message so I would like to try and address them individually for you. Your landlord will not be informed of the DRO unless you have rent arrears. Assuming that is not the case (because you say you have only just moved in), then the only other issues may be if there is an 'insolvency clause' in the tenancy that would require you to tell them about the DRO? And/or if the landlord checked the Individual Insolvency Register periodically. There would be no logical reason for them to do this, but the DRO will show there for 15months.


    If you still struggle with the gambling on occasions, then you should try and get some help with this before starting a DRO. You could try somewhere such as GamCare - http://www.gamcare.org.uk/


    And with regard to your SOA, an advisor/ intermediary will go through this with you as part of the DRO assessment. Your partners DLA is for his health needs (i.e. extra clothes) and if his health needs cost more than his DLA award then this may need to be reviewed. However, this something that can be discussed with an advisor, in more detail, when they have the actual figures off you. Please try not to worry.


    Laura
    @natdebtline
    We work as money advisers for National Debtline and have specific permission from MSE to post to try to help those in debt. Read more information on National Debtline in MSE's Debt Problems: What to do and where to get help guide. If you find you're struggling with debt and need further help try our online advice tool My Money Steps
    • stuartJo1989
    • By stuartJo1989 8th Feb 18, 1:31 AM
    • 446 Posts
    • 476 Thanks
    stuartJo1989
    • #4
    • 8th Feb 18, 1:31 AM
    • #4
    • 8th Feb 18, 1:31 AM
    If you still struggle with the gambling on occasions, then you should try and get some help with this before starting a DRO. You could try somewhere such as GamCare - http://www.gamcare.org.uk/
    Originally posted by National Debtline
    Or Gamblers Anonymous, which effectively has zero ties with the gambling industry.

    OP, I go to GA regularly and if you need any support then feel free to message me, as gambling problems can be really debilitating even if you think you've shook it! That is my experience, anyway.
    • Mermaid89
    • By Mermaid89 9th Feb 18, 2:41 PM
    • 48 Posts
    • 21 Thanks
    Mermaid89
    • #5
    • 9th Feb 18, 2:41 PM
    • #5
    • 9th Feb 18, 2:41 PM
    Whilst they are not informed they are free to check the insolvency register: https://www.insolvencydirect.bis.gov.uk/eiir/
    • AimOx
    • By AimOx 22nd Feb 18, 9:41 AM
    • 19 Posts
    • 2 Thanks
    AimOx
    • #6
    • 22nd Feb 18, 9:41 AM
    • #6
    • 22nd Feb 18, 9:41 AM
    Hi OP - please also be aware the if you go through credit checks for future accommodation (or indeed renewal of a lease) then your DRO will show up, as it is a public record on your credit file for 6 years.

    I had a panic when applying for a property, but told the estate agent I had a DRO on file. When the report came back they said had I not told them about the DRO before completing the application they would have failed me. They didn't ask any questions, and weren't bothered at all.

    Honesty pays in this kind of situation.
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