debt relief order help

[lauraM1]

i am planning on applying for a debt relief order and have seeked advice from CCCS, i have filled out my details such as income, expenditure etc, the only thing they said may be a problem is my mobile contract, but even without that il only have £30 disposable income and the limit is £50.

 

CCCS told me i can use the info they have sent me over and apply online for it - i cannot see where though, ive tried googling it but cannot find actually where to apply, just says i need to use an advisor which would be CCCS, do i need to go back to them again?

 

laura

[citizenB]

Might be best to confirm with CCCS, perhaps they meant that you could apply online from their website ?

[yourbank]

Alternatives to bankruptcy

Hope that helps, Laura.

[lauraM1]

ive read all links and all they keep saying is you apply online, but not actually the website address to do this, im assuming its a form, but i cant find it at all, am i just being thick?

ive tried calling CCCS all day but just busy all the time and you cant wait in the queue either, guessing its because today is the day they come into practice

[lauraM1]

Alternatives to bankruptcy

Hope that helps, Laura.

 

thanks ive already read that link ,again it just refers to applying on line, but not actually where to do this.

[yourbank]

Alternatives to bankruptcy

The above indicates an online form filling but I can't find it so I would call CCCS and ask them.

[lauraM1]

yeah ive found the same thing actually, ive tried calling them but couldnt get through and they closed now for the night so have to try again tomorrow, its not very clear. the insolvency website has a list of online forms, but the debt relief order isnt one of them, although it does say can be done online

thanks for the help

[saintly_1]

Has CCCS sent you any information through to an email address ?

[lauraM1]

yes they have, they sent me info on bankrupcy as said nothing on debt relief at the time, this was on the 1st. they also sent through all my info, like expenses, income etc, showing that i have no disposable income.

but they havent actually said whats next, they had mentioned a county court from their own notes on the order, but ive been on the website and cant find it there either so not sure what the next step is

[citizenB]

I just took this from the National Debtline's website

 

"How do I apply for a DRO

 

You apply on-line to the Official Receivers office through a special web application form with the help of an advice agency. There is no court hearing. You can only apply through a special adviser called an 'approved intermediary' who is allowed to make the application for you. National Debtline has approved intermediaries who can help you. Phone us for advice."

 

I think this means that you can ONLY do it through one of the Debt Counselling services, CCCS, CAB, National Debt Line.

 

So I think you are going to have to persevere with CCCS:)

[lauraM1]

ah right i see, ok thanks il try again tomorrow with them then