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FAQ

What is DROC VA?
Decision Review Operations Centers (DROCs) are VA decision making centers designed to centralize the processing of all. Higher Level Review appeals (HLRs) HLRs returns due to duty-to-assist (DTA) errors. Appeals Modernization Act (AMA) full grants by the Board of Veterans' Appeals (Board)
How long does it take a DRO to make a decision?
The official DRO process should take 10 working days so be prepared to wait for around 2 weeks to hear back about your application. During these 10 days your application is assessed by the Official Receiver.
How long after a DRO can you get credit?
The note of your DRO stays on your credit file for up to six years after the date the DRO was made. This means it could be some time before you can get credit in the future. You might also struggle to open a new bank account during the DRO period and for some time after it has ended.
What are the disadvantages of DRO?
Disadvantages of Debt Relief Orders There are tight income, asset and debt restrictions on who can apply for a DRO. If your circumstances change, you may still be required to repay your creditors. Your debt relief order will appear on your credit file for six years.
Will I be accepted for a DRO?
2.2 Eligibility To be eligible for a DRO, you must meet these criteria. you owe £30,000 or less. you have less than £75 to spend each month, after paying tax, national insurance and normal household expenses. you've lived or worked in England or Wales in the last 3 years.
What happens after a DRO is approved?
When your DRO is approved, you'll be added to the database. Your details will remain on the database for the duration of your DRO and three months after it has finished. This usually means that you'll be on the register for about 15 months.
Why would a DRO be refused?
This may be because. you don't meet all the criteria for getting a DRO. you didn't provide further information when asked. the official receiver believes that you haven't been honest in your application.
What happens after a DRO?
Once the DRO ends, your listing on the insolvency register will be removed up to three months after this date 13 though it could be removed quicker. This means creditors will no longer be able to see you listed on there, which can improve your chances of being accepted for credit products in the future.
Do creditors have to agree to a DRO?
A debt relief order (DRO) is legally binding, so you're protected from action by most creditors who are listed in your DRO. But there are some exceptions, when a creditor can still take action against you, for example for rent arrears or a hire purchase debt.
What happens 6 years after a DRO?
How will a DRO impact me in the long run? Credit reports look back over the past 6 years of your borrowing history, but if you have taken out a debt relief order, after 6 years it will still be on your record. This will indicate to any future creditors that you have struggled to keep up repayments in the past.
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