Debt Relief Order

[DJGobby]

Hi guys,

 

Looking for a little advice.

 

I am in the process of applying for a DRO with CCCS. I have my telephone interview tomorrow. I would like to know what to expect to be asked as I am slightly nervous, I don't know why but interviews make me nervous.

 

I have wrote down all the details they asked me to prepare and got my budget ready, I think I have been very tight as I have only allowed £20 a month for sundries (Birthdays/Christmas), thats £240 for a large family and my daughter!

 

Also, Does anyone know what happens after the interview, will my application be then granted/or will I need to wait for confirmation. I have no assetts, no car (my dad is the legal owner, I borrow it from him), and my income allows me £30 a month left after expenses, and I have debts of less then £15,000.

 

Please help anyone. Appointment is 10:00 tomorrow, if no-one knows, I will post so future CAGGERS will know.

[debtdeception]

Just saw this one, how did the interview go?

[welshcake]

How did it go, I have got mine on Friday so interested to know how you got on

[DJGobby]

Wish I could tell you guys, My contact was away so someone else took over my file, she was useless. She wanted to know all my debts again and I was'nt prepared for that and needed my account numbers (I did'nt have that on my list of things to get ready) so I had to re-scheduel it for the 29th July. Please could you let me know how you get on.

 

I was all prepared with everything, I was so angry and I got creditors getting more and more angry and threatening door stop visits which I've sent a basic template letter saying you cant under english common law. I just want to tell them, I am on a debt relief order now f*** off.

[welshcake]

Wish I could tell you guys, My contact was away so someone else took over my file, she was useless. She wanted to know all my debts again and I was'nt prepared for that and needed my account numbers (I did'nt have that on my list of things to get ready) so I had to re-scheduel it for the 29th July. Please could you let me know how you get on.

 

I was all prepared with everything, I was so angry and I got creditors getting more and more angry and threatening door stop visits which I've sent a basic template letter saying you cant under english common law. I just want to tell them, I am on a debt relief order now f*** off.

 

Yeah same here, If it is any consilation I had to attend court having being order by one one of my debtors last month which made me take action and find this forum funny enough, When I attended court I had to give a breadown of my income and expenditure and it was the court person at the end who stated to me that as I do not own my home I have no real assets there is not alot a debtor can do, If you really have not got the money you have not got it.

 

As for doorstop collectors pay no attention to that, The only way that can happen is if a CCJ is applied and you fail to keep up the payments issued by a court, It's just scare tatics sleep easy.

[DJGobby]

Excatly, can't take what I've not got. No assets and my dad legally owns my car. Just want the 29th to come along as I can say to anyone who rings, I am on a debt relief order now go away. My income won't improve, my job's not going to get better paid, no chance. I am just going to have to over prepare for CCCS next time.

[DJGobby]

Hi guys,

 

Finally sorted my DRO.

 

I spoke to CCCS yesterday. Please PLEASE please allow more then 45 minutes as stated on their letter. I took 60 minutes yesterday and another 45 minutes today, aswell as 30 minutes last time so when you take time off work/planning your day, allow 2 and a half hours!

 

In the interview, the lady never went through the checklist, only my employers details and my budget and income.

 

The main things to have ready are. Your debt details/how much you owe at present (say you owe £200 to cap1, and only say £180 for your DRO, you are still liable to pay £20 plus), your account numbers and addresses for the companies if possible. This is what caused the longest delay, even if CCCS have previous details, have them ready!

 

I had my budget set out ready so this was quick.

 

so in summary:

Budget Details,Account Details,Income details,Employer Details.

 

Make sure you've sent everything to CCCS such as proof of income and make sure you pay the fee of £90 before the interview. I got in trouble for not paying it before today.

 

The application has now been submitted, they are sending me a copy which I will have to sign and send on to someone. I assume I can now tell creditors I am subject to a DRO. Its now up to the insolvency service to accept this which I hope they do.

 

Also, I got in trouble as I had paid off £4 to Empire Direct and no one else so there is a slim chance it might be revoked/rejected.

 

If anyone needs any more info or advice on the budget, let me know.

[DJGobby]

My DRO paperwork came through the post 2 days ago. All approved. The monentry period ends on the 4th August 2010. Now under strict conditions. Each time I get a letter, I just email them and say I am on a debt relief order, Barclays sent acknoledgement also.

 

Anyone have any idea how I can get a new bank account with basic things and no credit as I can't get one with RBS due to my DRO. I see Co-op do one and Barclays do but I have accounts with them for my DRO, every other bank does a credit check and rejects due to the DRO.

[debtdeception]

Nationwide do a basic savings account with cash card. No cheque book, no debit card, just cash. And no credit checks

[ea1610]

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

[DJGobby]

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, lots of questions but I can help. I am still with my exsisting bank, I have'nt told them about my DRO because as far as I am concered, they do not need to know espically if you have no debt with them. You can choose which debts to include/not include however it is advisable to include all debts and make sure you have up to date balances. I am going to assume you do not want your family to know about your DRO like myself so you do not want to raise the subject with your sister. Yes that is correct, you can still borrow up to £500 whilst on a DRO, This is £500 in total, not £500 per a creditor, for example if you had a credit card with a limit of £300, and the bank offered you a overdraft of £300, you would have to inform them of your DRO.

 

The landlady/lord has not been told unless you have arrears with them to be written off, the only way they would know is if they did a credit check on you but to be fair, if your paying your rent OK, they won't mind.

 

No-one had to come and visit me, the office for DRO's is based in Pymouth, it is not court based. They may need to ring you to discuss any issues however they are very busy and do not have much time. I got my DRO through the post within 2 days of my interview with CCCS.

 

I assume you have a interview with CCCS on the 3rd Sept, good luck. Make sure you have the following, a list of all income and make sure you have sent in your proof of income i.e wage slips,tax credits , also make sure they have a list of your debts, your account numbers and addresses for the companies, keep a copy yourself and get a up to date balance before your interview, also have your monthly budget and be generous for things such as food and clothes, I was left with a minus figure a month!

 

I think I have answered your queries but if you need anymore advice, PM me or write back on here.