Debt Relief Orders

We have been designated by the Secretary of State as a Competent Authority under Regulation 3 of The Debt Relief Orders (Designation of Competent Authorities) Regulations 2009. This means that advisers working for members of our network can apply to AdviceUK to become an Approved Intermediary under the scheme. As a Competent Authority, AdviceUK has the power to approve or decline applications and to continue to assess the suitability of applicants as intermediaries under the scheme.

Applying to Become a DRO Intermediary

Who can apply to AdviceUK?

Only advisers working for organisations that are fully paid-up members of our network can apply to us to become an Approved Intermediary under the DRO scheme. Both paid workers and volunteers are eligible to apply.

If you work for an organisation that is not currently a member but is interested in joining our network follow this link to the Become a Member page of this website.

How to apply – the application process

If you are an adviser working for an organisation that is a member of our network and you want to become an Approved Intermediary under the DRO scheme, then you must complete the application form that can be found at the bottom of this page. Please make sure that all sections are completed in full and that all declarations are signed and dated. A hard copy of the completed form must be sent, together with the specified supporting documents, to AdviceUK. See the Contact Us page on this website for our address details.


The Insolvency Service has published statutory requirements which must be satisfied before a Competent Authority can approve an applicant to become an intermediary. AdviceUK is responsible for ensuring that these statutory requirements are met as well as applying our own assessment criteria to measure things such as experience, training and competence. The procedure used by AdviceUK to approve intermediaries can be found at the bottom of this page.

Complaints procedure

Our special complaints procedure for DRO intermediaries can be found at the bottom of this page.


If you have any enquiries about DRO intermediary status or the application process, please contact David Hawkes, AdviceUK’s National Money Advice Co-ordinator, for further information.
Contact David on 0300 777 0107 or

Background information

Debt Relief Orders (DROs) were introduced on 6 April 2009 as a remedy for those whose debts total less than £15,000 and who have little or no disposable income and assets.

Unlike other formal remedies for debt relief such as bankruptcy, DROs are delivered in partner-ship with money advisers, mainly from the free money advice sector. Advisers act as ‘intermediaries’ and assist debtors in making an online application for a DRO to the Insolvency Service. DROs are therefore not available through the court system. The orders are made instead by an Official Receiver, and a special unit has been set up for this purpose at the Official Receiver’s Office in Plymouth. Once an order has been made creditors who are included in the DRO are prevented from taking any action to recover or enforce their debts against the debtor. In most cases, the debtor will be discharged from liability for those debts at the end of one year.

DROs are intended to provide a cheaper and simpler method for people to seek relief from their debts. However, they are not an easy option. Debtors will still be subject to the same restrictions as bankrupts and will only be able to access a DRO once every six years. They will also affect the debtor’s credit rating.

Eligibility for a DRO
A debtor must satisfy strict qualifying conditions in order to be eligible for a DRO, including full disclosure of income and expenditure. The debtor’s liabilities must not exceed £20,000, their gross assets must be less than £1,000 and they must have a disposable income of less than £50 per month. Applicants will be allowed to have a vehicle with a value of less than £1,000. The Official Receiver will carry out checks to verify the information provided.

The fee for a DRO is £90.00. This covers the cost of the Official Receiver’s work in administering the application and making the order and has been set to cover the actual cost of the work involved. There is no remission of the fee. The DRO application can only be finally submitted when full payment of the fee has been received by the Insolvency Service.

Further information
Further information is available on the Insolvency Service website.

Attached documents

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