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debt relief order

(11 Posts)
supermariossister Mon 23-Sep-13 14:36:44

for various reasons I was advised by citizens advice that this was the best course of action for me after a pretty horrendous year that has screwed us financially. I paid the fee this morning of 90 pound so it is processing currently. what now happens if those creditors ring in the meantime do I tell them the order is processing and make no payments, do I need to send them proof when it comes through or is that done by the company controlling the order. any help much appreciated

keli5325 Mon 23-Sep-13 17:12:46

your approved intermediary will contact the creditors shortly but if they do contact you tell them you are doing a dro and do not make any payments to them! fingers crossed it moves quickly for you smile

supermariossister Mon 23-Sep-13 18:59:38

thanks, they were vile today seven phone calls later when she said ill be phoning you back I ended up saying go for it but I won't be paying you. shouldn't of risen to it but she was horrible to me

BellaOfTheBalls Mon 23-Sep-13 19:02:36

You can also request that they do not call you and that they put everything in writing. We are currently on a DMP which is similar to a DRO. The occasional grumpy letter is infinitely better that the 10-15 threatening phone calls we were receiving every day.

Well done for getting it sorted OP. Without wanting to sound patronising, taking that step is bloody scary.

supermariossister Mon 23-Sep-13 19:12:55

certainly was I didn't even know things like this existed. I was at university 3 years ago and with travel each day and course fees everything else ended up with an overdraft and credit card. when my mums illness got worse I left university before the end of my first year meaning I had no way to pay the money back as was in a casual hour job with nothing left, mum got worse and passed away in November last year I wad quite poorly and we had to borrow money to meet the rent ( not helped by bedroom tax hitting for sdaughters room) so things have just snowballed and were getting out of hand but I didn't know where to turn. citizens advice were great though and have really helped I have already requested no more contact and everything in writing and was told they will keep ringing until I pay even today she was ringing to "demand immediate payment" I have tried to be polite but not working!

keli5325 Mon 23-Sep-13 19:28:07

you can ask the creditors to put the account on hold for 30days or just dont answer their calls! x

supermariossister Mon 23-Sep-13 19:45:57

have just phoned again but was putting ds to bed so didnt answer, get the feeling they wont stop until it has actually gone through

keli5325 Mon 23-Sep-13 21:12:25

i would unplug the phone and let them do their worst! they wont have time to do anything before the dro is approved!

supermariossister Mon 23-Sep-13 23:22:25

is my mobile number which I have to have on for school but might be an idea to switch off after until this sorted can't believe the sheer amount of calls

supermariossister Fri 27-Sep-13 12:06:34

as of 25th the order has gone through and creditors informed but one is still ringing me up to fifteen times a day is there anything I can do

keli5325 Fri 27-Sep-13 20:46:43

refer them to the insolvency register where your details will be and tell them you will report them to the trading standards!
It can take a few wks until the information feeds through so they should stop soon smile

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