Hi there, I'm new to this forum. I read your posts and wondered how you got on? Can you advise me on the following.... I am currently waiting on a call back from the CCCS regarding apply for a DRO. It is not until 3rd September. Do you know if I will have to close my exsisting bank account? It has no debt. The debt I have is from an old over draft, a old loan and an old credit card. Will my exsisting bank be contacted by any one letting them know I have a DRO in place if I do go that route? I have a credit card that has debt on it but it is being paid off by my sister (she has a reg payment set up) Will any creditors other than the ones I put on my order be contacted? Will my land lady be contacted? I read on one site that while in your one year order you have to alert any other creditors if you borrow more than 500 pounds. So you can have credit as long as you are paying it off. Seems strange you can have credit still is this right? Does an appointed person have to visit where you live? Any advice would really help me out. Thanks

Hi there, I'm new to this forum. Can any one give me some advice on the following After 6 years of being in debt I'm thinking of applying for a DRO. I have a phone app with the CCCS set up for September 3rd. I am about to start University in September and the debt hanging over me is some thing I could do with out. At present I am on benifits so a low income and am paying token payments (that I have not missed any of)to my creditors but one of the creditors that started as an 800 pound over draft with Natwest is now over 5k! This point has lead me to want to wipe the slate clean as I'll never be able to pay it off. The interest was frozen 3 yrs ago but Unidebt who the debt is now with state that manually the insterest is frozen but their PC system is still piling on interest. The other creditor I have is Westcot who have frozen the interest and my debt with them is now 6k The last creditor I have is with MBNA and is is 440.00 I have no assests, no savings and live in private rented accomadation. I am at a minus after all my priority out goings. Questions. I have one credit card that is being paid off by my sister I have an exsiting bank account that is in the black with no problems Will either the bank acc or the credit card be effected by the DRO once it is in place? Will my exsiting bank be contacted regarding a DRO if I do go the debt relief order route? I've been to CAB and they explained as i have been a client of CCCS to talk to them first if I get no joy CAB can be the qualified body that can instruct me further. Can creditors refuse or do any thing else about a DRO? Thanks E