Hi, I've recently had a debt relief order granted.

However I have seen that creditors get 30 days to appeal the order, but they can only do it under certain grounds.

What I'm worried about is one particularly spiteful ex landlord trying to pursue matters further.

Is there anything at all that they can do now that I have a DRO in place?

For example, can they drag me into court with an "order to obtain information"? Or am I completely protected from any court proceedings related to this debt?

I don't think there will be a problem, but just wanted to double check. I know they use a law firm and there may be angles that I'm not aware of that could stop my DRO.

Thread moved to the appropriate forum.

Regards

Andy

Have a look at the info in the link, note the exceptions appear to be for current rent arrears not historic.

https://www.citizensadvice.org.uk/debt-and-money/debt-solutions/debt-relief-orders/debt-relief-orders-explained/what-happens-when-a-debt-relief-order-is-made/

Have a look at the info in the link, note the exceptions appear to be for current rent arrears not historic.

 

https://www.citizensadvice.org.uk/debt-and-money/debt-solutions/debt-relief-orders/debt-relief-orders-explained/what-happens-when-a-debt-relief-order-is-made/

Hi, I've already read the info on several sites including the one you posted. But that doesn't answer my question, and I'd still like to hear from anyone who has knowledge in this area. Thanks.

Can your creditors ask for your DRO to be stopped?

Once a DRO is made, it is legally binding. This means your creditors can't object or ask for it to be stopped, except when they believe that one or more of the following applies to you:

information in the DRO is wrong or missing

you are already bankrupt or have made an individual voluntary arrangement (IVA) proposal

your debts don't qualify or you don't meet the criteria

you have more than £50 surplus income per month

you acquired property over the value of £300 in cases where the DRO was made before 1st October 2015

you acquired property over the value of £1,000 in cases where the DRO was made on or after 1st October 2015

the creditor believes the official receiver shouldn't have made the DRO, because you either gave away or sold assets for less than their value, or gave a creditor preferential treatment within the past two years before you applied for the DRO.

If a creditor does ask for your DRO to be stopped, the official receiver will send you details of the creditor's request and give you the chance to respond before a decision is made.

Yeah, I'd imagine my landlord would appeal saying that I either have more assets or more spare income, which isn't true. Would they need to provide proof? Or can they just object? I can't see them giving up without a fight.

If the DRO has now been granted then i doubt an objection would get very far, the landlord would have been notified prior to the DRO being rubberstamped

If the DRO has now been granted then i doubt an objection would get very far, the landlord would have been notified prior to the DRO being rubberstamped

Ah ok, I didn't know that. I was just worried that they could kick up a fuss and stall it, and wondered if there was any legal loophole they could use. Just being thorough. I've read all the obvious stuff, just don't know if a trained solicitor could cause me any problems.

To be fair, the ex landlord hasn't seen me for the past year and doesn't even know my current address. So if they did try to cause a fuss I don't see how it could hold up anyway. But I'll just be more relaxed when the 30 days has passed, can't help worrying that something might go wrong.