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Apply For DRO Online – Step By Step Guide 2022

apply dro online

For free and impartial money advice and guidance, visit MoneyHelper, to help you make the most of your money.

Looking to apply for DRO online? I’m going to share a simple debt relief order application guide to help you through the process. In this guide, you’ll learn how to apply for a debt relief order online and the steps that are involved in the process. I’ll also provide you with details about what you’ll need to prepare and what to expect throughout.

What is a DRO?

If you’re here, then I assume you already know what a DRO is. However, just in case you’re still unsure, I have a useful article sharing everything you need to know about debt relief orders. Please have a read before you apply for a DRO online. It’s important to make sure the DRO is the best debt solution for you and your individual situation.

Can I Apply for a DRO Online Myself?

You can’t apply for a DRO online by yourself. The DRO application must be completed by an authorised debt advisor. Don’t worry, the application can still be made, but the debt advisor must do it on your behalf. While this may seem like a bit of a pain, the debt advisor will provide you with all the information you require to complete the application. This should make it easier for your DRO application to go through without any problems.

How Can I Apply for a Debt Relief Order?

The first step after reading our Debt Relief Order guide is to contact an authorised debt advisor. There are plenty of free debt advisors that will work with you to find the right solution for your debts. Some of the commonly used or most recognised debt advisors you may already be aware of include:

There are many options you have available to you, all listed on Gov.uk. Get in touch with one listed and inform them that you’d like to apply for a DRO online.

Why Do I Need a Debt Advisor for a DRO?

The debt advisor will ask you questions that will help your DRO online application. The information you provide them with will determine whether you’re eligible for the debt relief order. You’ll also be able to learn about other debt solutions that might be better for you and your situation. Finally, if agreed that a DRO is the best course of action, they will complete the necessary paperwork on your behalf. It isn’t possible to apply for a DRO online without completing this step.

Feeling like Chandler?

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Is all this information starting to feel overwhelming? Don’t panic! There’s plenty of help available. You can get started below.

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What Proof Do I Need for a Debt Relief Order?

You’ll need to provide your last 2 months payslips, benefits entitlement letter, or your bank statements. These documents are to prove your income. You’ll also need to prepare the documents that provide accurate and up to date information on your creditors, such as:

  • Energy suppliers including gas, water, electricity
  • Council tax and benefit overpayments
  • Loans
  • Rent arrears

Gather all the latest statements from everyone you owe money to and any supporting documents. The amount of money you own must include the full amount of the debt and not just any early settlement offers you may have open to you.

You’ll need to provide the debt advisor with details of your income and outgoing expenses. I have a free household budget sheet that will help you prepare for this. Be sure to be accurate when working out your finances and when sharing the details with your advisor. Sharing false information can result in a court summons.

Other Information Required to Apply for a DRO Online

  • Full name and place of birth
  • National Insurance Number
  • Employer details if applicable
  • Pension information including the name of the employer and the pension or your payroll number for each employer you have a pension with
  • Details regarding formal insolvency solutions you’ve previously been subject to, such as an IVA or bankruptcy.
  • Make, model, registration number and condition of any motor vehicle you own

How Much Does a DRO Cost?

The DRO fee is £90. You must pay the £90 fee by cash at a post office or using Payzone. The fee is non-returnable, even if your application is denied.

You can make the payment in instalments or all at once. There are charities and trusts that may aid with the DRO fee. Speak to your DRO advisor to find out if this is an option available to you.

Don’t worry, here’s what to do!

There are several debt solutions in the UK that can be used to improve your finances. Choosing the right way to tackle your debt could save you time and money, but the wrong one could cause even more harm

It’s always best to find out about all your options from a professional before you take action.

Fill out the 5 step form to get started. 

Why Did My DRO Get Rejected?

You may not have shared accurate information, or you might not be eligible for a debt relief order. You must prove your eligibility for a DRO. A debt relief order is only an option for those who have less than £75 spare out of their income each month, after household expenses. Additionally, a DRO is only available to those who owe up to £30,000. A DRO is not an option for anyone who:

  • Owes more than £30,000
  • Has over £75 spare each month after household expenses
  • Owns a home
  • Have assets with a value of over £2000

There are certain debts that cannot be included in a DRO, including:

  • Fraudulent debts
  • TV license
  • Fines for criminal offences
  • Child maintenance
  • DWP social fund loans 

Apply for a DRO Online

Here’s a quick summary of how to apply for DRO online

  1. Reach out to a debt advisor such as StepChange, Citizens Advice or National Debtline
  2. Work out your full income from your employment and or benefits
  3. Gather all the up-to-date balances on all the accounts you owe money to
  4. Work out your monthly expenses using a monthly budgeting tool
  5. Collect information about your employment and pensions
  6. Discuss the DRO and any other options regarding your debt with your debt advisor
  7. Complete the DRO application by sharing all your evidence and documents with your debt advisor
  8. Pay the £90 fee
  9. Your debt advisor will complete your paperwork and send off your application to the Insolvency Service
  10. Wait for the Outcome, which takes ten working days

I hope you found this guide useful. Further information about debt relief orders can be found here: https://moneynerd.co.uk/debt-relief-order/

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