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Hi and merry Christmas, I've just been discharged from a DRO and sent recorded letters to all the companies included with a copy of my printed IS DRO details.

 

I have one question: What happens now I've been discharged and what will happen on my Credit Report? I know my credit rating will be very poor until 6 years have passed but are the places to whom I owe money obliged to remove and write off the amount owed or do they keep on in the hope that they'll get something?

 

Thanks but I'm fairly new to these.

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they are no longer able to pursue you if you have been discharged from the DRO.

 

Looking at the FAQ on the Experian link below, the creditor should update your file to show this debt is no longer outstanding.

 

http://www.experian.co.uk/consumer/questions/askjames361.html

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Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Thanks, thats what I was thinking but just needed a bit of clarity on it. This site has been fantastic in helping me and a real eye opener into what goes on in the world of debt.

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Thanks, thats what I was thinking but just needed a bit of clarity on it. This site has been fantastic in helping me and a real eye opener into what goes on in the world of debt.

 

It wouldn't surprise me in the least if a few DCAs were to "try it on" We have heard stories of them attempting to collect after a BR discharge !! However, you now know they cannot. Do keep any paperwork regarding the Discharge somewhere safe, just in case you have to send copies to anyone.

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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It wouldn't surprise me in the least if a few DCAs were to "try it on" We have heard stories of them attempting to collect after a BR discharge !! However, you now know they cannot. Do keep any paperwork regarding the Discharge somewhere safe, just in case you have to send copies to anyone.

 

No problem - I can easily print them again as they stay on their records for 3 months. But lets just see what happens next and if they try it on, I'll gladly tell them where to go...

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Still keep hold of the paperwork. You may find a few DCA's such as scotcall or moorcroft chasing you a year from now.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Still keep hold of the paperwork. You may find a few DCA's such as scotcall or moorcroft chasing you a year from now.

I'd just love to see them try. They'll be getting a nasty surprise in the post if they waste their money buying non existant debts.

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They dont care. Remember, not many people know their rights which is why scotcall and many other low level DCA's still exist. I've currently got scotcall trying to chase me for a debt that has been SB since 2005 :)

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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