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  1. I forgot to notify them of change of address and stopped deferring so they're now chasing for the full amount of my 1998 loans. I've been a stay at home mum since 2013 so no income at all. They've passed it on to Link Financial which I'm assuming is their debt collection agency. They've said my last deferment ended 2014. Which might be right as I moved that year. They've also said I've breech the terms ie cannot defer anymore and loan won't end at 50 I can't declare bankruptcy or do an IVA. Unless I win the lottery there's no way I can pay this and don't want a
  2. Hi My husband has been advised by StepChange that a DRO would be suitable for him and they requested a copy of his credit file from Noddle. We didn't realise his mobile phone would be on the credit file but it makes perfect sense as he pays part airtime part device per month. The problem is because the device is on the credit file it bring his debt over £20,000 by £400. I spoke to the insolvency service today and asked what could be done about this and although they confirmed they could not object to myself or another family member making equal payments to his debts to bring it belo
  3. For years I have been struggling with debt but I got in contact with payplan and applied for a DRO. All the paperwork was set up with all my debts on. Council tax is with Marstons. I then received a letter from Rundles saying they were recovering council tax. I thought the council and changed agents and now everything was with Rundles. I informed payplan and they amended the paper work. I was just about to pay the £90 fee when last week while I was in bed asleep after a nightshift. An Enforcement guy...tapped on the front door and walked in scaring the life outta my partner who was in t
  4. Hi, Just wondering if anyone has any advice or help. I completed a DRO that commenced on the 21st of April this year, all the details of the debt companies i owed were up to date and placed into the DRO, which was approved. Today, the 29th, i received a letter from a debt collector i have never heard of, telling me they have been passed one of the debts that went into my DRO. Surely they have bought a debt that doesn't exist now, as it went into the DRO, A friend told me to send them the DRO details and forget about it, as they can't do nothing about it now..
  5. I've been a customer for a year with BrightHouse and pay around £70 a week which I could afford at time since my daughter has now decided not to carry on with college I'm not getting tax credits so my money has gone down to £110 per week which now means I can't pay what I was paying before to them . I'm not prepared to hand my stuff over as I've paid a lot on them and want to pay what I owe at a cheaper payment until paid off. I don't have thelr insurance or dlc just this 5 star thing which seems to cost you more for the product and takes longer to pay. Do you think if I
  6. Hi i just filled in a budget assessment form on NDL website and i have uploaded them to here for advice on whether i should engage in applying for a DRO or go some down some other route? for the ccj i pay i agreed to pay £50 pcm via the court but now i am receiving weekly letters regarding other debts. seems like lowell have attempted to purchase my wallet!
  7. Hey, I currently have a DRO in place. The conditions say that I have to notify any creditor that I have a DRO if it's for more than £500. My phone contract is coming to an end, and I want to upgrade my handset. I can either stay with my current provider, or go with another. But my question is - do I need to tell them about my DRO? Either if I stay with my current provider or move to a new one. I can get a phone for about £30 per month, on a 24 month contract. So that means I'd spend £720 over 2 years. Does this count as a £720 loan? I don't want to jeopardise my DRO,
  8. Good Afternoon I've had a very sketchy past involving a lot of borrowing and struggling to repay, was also suffering from depression at the time but have since overcome all of that and now the debt is catching up on me and I am starting to panic! I am currently unemployed as my recent employer has decided to sell his business! There are approx 7 - 8 debtors chasing me for debts between £170 - £950. One of those being at about £2500 (118118 money) that one is currently marked on my credit file as CCJ. I have had a visit from Fidelite Debt Collections so far, as
  9. I have a letter from CSS.. They want money for DWP, not sure what it could be, I had a DRO that went through and i think it could be related to that? I know that it's best not to call them or speak on phone, what do I do now? Could they be potentially messing my credit score up (what's left of it)?? Thanks.
  10. Hi, sorry if I've posted in the wrong place, but I checked my credit file on clearscore.com today - that tv advert with the girl shoving her smelly feet into the bloke's face on the laptop with the dog between his legs! Ha! I love that advert. I gave in and logged on - it showed I had a Debt Relief Order back in October 2011. Sure enough. But about 3 of the debts which were included in the DRO were showing as not being defaulted until late 2012. I was discharged from the DRO in October 2012, but these 3 debts will not clear my credit file until at least 2019
  11. 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 do
  12. Hello there. I just received a letter from IND regarding a debt I had with Arrow Global from a few years ago and IND was involved as well. The debt was for 4900 pounds and was subject to a ccj. It was placed under a DRO in December 2013 and the debt was discharged in December 2014 when the DRO was over. Both IND and Arrow were informed of the DRO and were sent letters telling them to go away. I have not heard a thing from either since early 2014. Now all of a sudden I get a letter dated this week asking me for payment and that they will kn
  13. Changes to Bankruptcy and DRO limits from 1st October 2015 https://www.gov.uk/government/news/improved-help-for-people-struggling-with-problem-debt
  14. we are in a real mess financial due to tax credits claiming about a repayment from 6 years ago , now i am having an attachment of earnings crippling my wages, looking at going down the dro route going to make an apointment to see my local cab but what happens to the payments being taken from my wages for previous council tax and also there is a suspended reposseion order on my rent arrers which we are paying back currently, how are these effected by a dro
  15. Hello, Let me first explain the story, Couple of years ago I got myself in a bit of a pickle. Since then I was able to start and have completed a DRO with the TIS. I then contacted the TIS and asked for a letter showing all is done and completed. I then waited 4 months for system to be updated and applied for a fresh credit report. I then made a list of all my debts who hadn't updated their information and managed to find a clean up letter and sent it recorded to all my creditors that didnt update there systems. After a month or so i re checked everything a
  16. I have a DRO dated 22nd July and will fall of my file this year. Should I be checking my file in August or September to see this change. Also should all the defaults as part of this DRO fall off at the same time, not all have the same date: 22/07/2009, 29/09/2009, 26/09/2009, 01/01/10 Should I be contacting companies now to get them to correct the date or just leave if as they will fall of this year anyways.
  17. Hi. I am currently going through with a DRO (debt relief order) and it's taking longer than I would wish, plus the guy from Citz Advice is not really helping at all. I get back tonight and 2 letters. One is from Collectica, saying I now owe them £215, £140 of the remainder of the fine and £75 for their BS fees. I have been paying this weekly, missed a week here and there but generally up to date, it was for a motor fine with courts. This is not in the DRO as fines can not go in dro. However the 2nd letter is off CCS Collect. Saying I owe upto £300 for vari
  18. hi there im asking this for a friend whos in a sticky situation. Wanting to do a debt relief order but has a car to her name. it is this pictured. After some research i no cars have to be under £1000 but 1 valuation comes way over for her. what should she do? thanks a lot. [ATTACH=CONFIG]55697[/ATTACH]
  19. Hi, I have had nothing but grief for a few years from my employer. A local council. I have put in a few complaints of bullying, being treated differently etc but always tried to just do my job. I have challeneged my employer in the correct process but it is very much an old boys club Yesterday I was suspended on a possible gross misconduct charge of theft of council time and frog marched out the building. I admitted to using the internet but I have to alot as I am the only person that does my job and I network with other specialists around the country for advice. I have to do this as
  20. I got a DRO in December last year so of course not been making payments to creditors. One of the creditors was Arrow global for a ccj. Today I received a letter from the local county court saying there has been a variation made on January 23 and I am ordered to make a payment of 1 quid a month which was the original agreement prior to the DRO and I did make the two payments I was supposed to prior to the DRO coming into effect. The court document says nothing about the DRO. Just that I am to pay 1 pound a month or else deal with bailiffs. Obviously I have to make some phone calls to the c
  21. Hello there. I have just been granted a DRO on december 12th. So breathing a sigh of relief on alot of fronts. However I do have a concern that I need to find out about and hoping someone on here can answer! One of my debts included in the DRO is with barclaycard for 2k. I have two bank accounts with barclays..a basic one and a current account with 100 quid overdraft. Will barclays freeze/close my bank accounts? I am in no debt at all with my bank accounts so see no reason why they would but I have read elsewhere they might as they are all under the barclays umbrella. Its a big concern as
  22. Hi guys, I've just made the first steps to fixing my financial mess and am arranging a DRO. However, I need to arrange statements of each debt with account numbers and total amounts owing. Now after spending a while being chased by the delightful folks at companies like MMF, Red Castle, Fredricksons and Lowell, I previously changed my mobile number and requested that the ones I've been in contact with only contact me by email. However, now I need these statements I'm going to have to go to them, but I don't want to give these people my current address (and the endless stream of thre
  23. What happens if my circumstances improve, will my DRO get revoked or will I have to make payments to my creditors? can someone tell me what will happen?
  24. Hello, Just a quick question, can a loan taken out with Mobile Money be included in an IVA or Debt relief order? Thanks.
  25. Hi, Looking for a bit of advice and possibly an explanation .... So ... on 22 :|November 2010 I was granted a Debt Relief Order with a moratorium period of one year during which all listed accounts would be frozen and then at the end of this period they would be wiped/settled. Lloyds TSB were listed on this DRO (2 accounts). I have since discovered, after looking at my credit report, that these two accounts (and it is only these two Lloyds accounts) are still listed as 'open' and 'defaulting' - although I have not had any contact with them since the DRO was put into place.
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