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    • How did you purchase the goods? (instore or online)   How did you pay for the goods? (cash or card and which card method if paid by card i.e. debt card etc.)        
    • Thanks for the reply which makes the case more simple.   As the young gym member was under 18 when she joined, she was a minor and the gym or their admin Co. cannot enforce any contract or agreement with her.   She can reply to any demand from the gym saying :-   " I was a minor at the time of signing the membership and cannot be held to any contract terms associated with such a membership agreement. Accordingly no further demands should be made and this should be the end of the matter. Yours faithfully, YD"   Send this to the gym's address by letter and get a free Cert of Posting at the PO Counter.   Keep us posted please
    • sorry Scania ..so you have a problem with the product?  
    • Morrisons supermarket sell clothing under the Nutmeg brand.  Generally, these goods are of decent quality and not too expensive. There is a fairly wide range. Like other supermarkets, their sizes should be taken with a large pinch of salt.   Unfortunately, Morrison's merchandise these clothes through an outfit called Deeset. When things go wrong then your troubles really begin.   Deeset won't reply to emails. They operate a confounded automatic phone system where your call is put in a queue. EVENTUALLY, you receive a message that no one is available to take your call.   Their shop floor workers are not allowed to order goods in for you and not allowed to phone head office.   It's inconceivable that a prestigious company like Morrison's should be involved with an outfit like Deeset, which does no good for Morrison's image.
  • Our picks

    • Future Comms is a Big Con. How to get out of it. Read more at https://www.consumeractiongroup.co.uk/topic/417058-future-comms-is-a-big-con-how-to-get-out-of-it/
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    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
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    • This is a bit of a lengthy one but I’ll summerise best as possible.
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
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National Debtline

Debt Relief Orders (DROs): A brief guide - accurate September 2015

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What is a Debt Relief Order?

A Debt Relief Order (DRO) is a formal solution to help you deal with debts that you cannot afford to pay. A DRO may be able to help you if you do not own your home, have few assets and little available income to pay your creditors. It is a cheaper option than bankruptcy. If your DRO application is successful, most creditors cannot take action to recover your debts for 12 months. The debts are then written off after the 12 months are up.


How do I apply for a Debt Relief Order?

You can only apply for a DRO through a special adviser called an ‘approved intermediary’. It is not possible to apply directly to the Insolvency Service yourself. You must get advice from an approved intermediary first, and if they agree that a DRO is right for you, they will give you advice and make the application on your behalf. With any debt option it would be important to seek impartial advice from a recognised charity. This will ensure you choose the most appropriate route forward. The fee for a DRO is £90.


Do I qualify for a Debt Relief Order?

There are strict rules that you have to meet to qualify for a DRO. You must:

• be unable to pay your debts;

• have total debts under £20,000 at the date the application is approved by the official receiver;

• have assets below £1000;

• not have a car or motor bike worth more than £1,000;

• have less than £50 a month spare income after normal household expenses are taken into account;

• live in England or Wales (or have lived or run a business in England or Wales in the last three years); and

• not have had a DRO in the last six years.

• you cannot already be bankrupt or have an individual voluntary arrangement (IVA).


What debts can be included in a Debt Relief Order?

You should include priority debts. Examples include:

• rent arrears;

• gas and electricity debts with your current supplier;

• arrears on your phone bill if you need to keep it as an essential service;

• council tax, business rates and community charge arrears; and

• income tax, VAT and National Insurance arrears.


You must make sure you include all your credit debts in the application. If you leave a debt out, it cannot be included later. Examples of debts you should include are:

• water arrears;

• credit cards and store cards;

• bank overdrafts and bank loans;

• loans to finance companies;

• catalogues;

• home-collected credit;

• benefit overpayments;

• family or personal debts;

• hire purchase and conditional sale agreements if you are in arrears (if you are not in arrears you may be able to exclude this type of debt in certain circumstances);

• hire agreements;

• parking penalty charges; and

• mortgage shortfalls (money you owe if your house was sold for less than the outstanding mortgage).


You may also owe debts from your small business such as:

• money you owe to employees;

• debts to customers who have paid for goods or services that you were unable to supply; and

• debts to suppliers.


Are there any debts which are excluded from a Debt Relief Order?

Some debts do not count towards the £20,000 limit, although you still have to list them in the DRO application. This means you are still liable to pay these debts in full. You cannot include:

• magistrates' court fines;

• maintenance and Child Support Agency (CSA) payments and arrears;

• student loans;

• budgeting loans and crisis loans.

• money owed under a ‘criminal confiscation order’; and

• debts resulting from certain personal injury claims against you.

You will need to make sure you pay ongoing payments on these debts and include them in your outgoings.


What are my assets?

You can have assets worth up to £1000 and still qualify for a DRO. Lots of basic household items such as cutlery, crockery, cookers, televisions, beds or furniture do not count as assets. The value of your assets is worked out using the resale value, not how much the item was worth when you bought it, unless it is brand new. Assets may include antiques, luxury items or valuable collections, stocks, shares, premium bonds and savings


What are the effects of having a Debt Relief Order?

• You must not take out credit of £500 or more without telling the lender that you have a DRO.

• You cannot run a business in a different name without telling everyone you do business with the name you used for your DRO.

• You cannot be involved with the promotion, management or formation of a limited company, or become a company director without getting permission from the court.

• You may not hold certain public offices.

• You cannot apply for a DRO again for six years.

• Your bank account may be frozen

• The DRO will be recorded on your credit reference file.

• The DRO will be recorded on a public register called the ‘Individual Insolvency Register’.

• Your job could be affected. This is only likely to be the case where your contract of employment states that you are not allowed to have a DRO.

• If you rent your home, your tenancy could be affected. Check your tenancy agreement to see if it states that you are not allowed to have a DRO.


This information only provides a brief overview, you can read more via our DRO fact sheet by clicking here.

It should not be considered as full Debt Relief Order advice. If you believe that a Debt Relief Order is likely to be the best option to help you with your debts it would be vital to seek impartial advice from one of the debt advice charities such as the Citizens Advice Bureau, Stepchange, Christians Against Poverty or ourselves.

Edited by Andyorch
Thresholds updated.

For Free, Confidential and Independent advice: 0808 808 4000

Monday - Friday 9am to 9pm // Saturday 9.30am to 1pm // 24-hour voicemail. Please leave a message to request an information pack. http://www.nationaldebtline.org // http://www.mymoneysteps.org

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style="text-align:center;"> Please note that this topic has not had any new posts for the last 2021 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you
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