Can I get proof that my DRO is complete?
You can prove that your DRO has finished by printing off a copy of your entry on the Individual Insolvency Register which shows the date the moratorium ends. The public record of your DRO will only be accessible for three months after the completion date. Once this has passed, the record will be removed. If you need further help after this date, please contact the Insolvency Service.
A creditor doesn’t accept that my DRO has ended – what can I do?
On very rare occasions, a creditor may try to collect a debt that was included in your debt relief order. If this happens, you do not have to pay them and you can challenge any attempt to collect the debt.
If a creditor tries to pursue a debt after your DRO is complete, you can send them a printed copy of your entry in the Individual Insolvency Register. If a creditor continues to demand payment, make a complaint and contact their regulator or ombudsman if necessary.
Please be aware that creditors can continue to request payments for some debts, including:
These debts cannot be included in a DRO. In addition, a creditor can resume collecting a debt after the end of the moratorium if the debt was fraudulent, for example as a result of benefit fraud.
Although creditors included in a DRO can’t take any action to recover money you owe, they can still take action to recover assets in some cases. This means for example, a landlord could evict you from a rented property after your DRO is completed because of rent arrears, even though they couldn’t take any action to collect the arrears from you. In a situation like this, you may want to continue paying the debt so you don’t lose the tenancy.