Application for a private examination
| Author | Mark Watson-Gandy |
| Pages | 269-290 |
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492" Personal Insolvency Practice"
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494" Personal Insolvency Practice"
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dcpmtwrvÓu"guvcvg."qtfgt"vjcv"rgtuqp"vq"rc{"vq"vjg"qhhkekcn"tgegkxgt"qt"vtwuvgg."
cv"uwej"vkog" cpf"kp"uwej"ocppgt" cu"vjg"eqwtv"oc{" fktgev."vjg"yjqng"qt" rctv"
qh"vjg"coqwpv"fwg."yjgvjgt"kp"hwnn"fkuejctig"qh"vjg"fgdv"qt"qvjgtykug"cu"vjg"
eqwtv"vjkpmu"hkv0"
*5+" Vjg" eqwtv" oc{." kh" kv" vjkpmu" hkv." qtfgt" vjcv" cp{" rgtuqp" yjq" kh" ykvjkp" vjg"
lwtkufkevkqp"qh"vjg"eqwtv"yqwnf"dg"nkcdng"vq"dg"uwooqpgf"vq"crrgct"dghqtg"kv"
wpfgt"ugevkqp" 588" ujcnn" dg" gzcokpgf" kp" cp{" rctv" qh" vjg" Wpkvgf" Mkpifqo"
yjgtg" jg" oc{"dg" hqt" vjg" vkog" dgkpi." qt" kp" cp{" rnceg" qwvukfg" vjg" Wpkvgf"
Mkpifqo0"
*6+" Cp{"rgtuqp"yjq"crrgctu"qt"ku"dtqwijv"dghqtg"vjg"eqwtv"wpfgt"ugevkqp"588"qt"
vjku"ugevkqp" oc{" dg" gzcokpgf"qp" qcvj." gkvjgt"qtcnn{" qt" d{"kpvg ttqicvqtkgu."
eqpegtpkpi"vjg"dcpmtwrv"qt"vjg"dcpmtwrvÓu"fgcnkpiu."chhcktu"cpf"rtqrgtv{0"
"
58:" Rtqxkukqp"eqttgurqpfkpi"vq"u"588."yjgtg"kpvgtko"tgegkxgt"crrqkpvgf"
Ugevkqpu"588"cpf"589"crrn{"yjgtg" cp"kpvgtko"tgegkxgt"jcu"dggp" crrqkpvgf"wpfgt"
ugevkqp"4:8"cu"vjg{"crrn{"yjgtg"c"dcpmtwrve{"qtfgt"jcu"dggp"ocfg."cu"khÏ"
"
*c+" tghgtgpegu" vq" vjg" qhhkekcn" tgegkxgt" qt" vjg" vtwuvgg" ygtg"vq" vjg" kpvgtko"
tgegkxgt."cpf"
*d+" tghgtgpegu"vq"vjg" dcpmtwrv"cpf"vq"jku" guvcvg"ygtg"*tgurgevkxgn{+" vq"vjg"
fgdvqt"cpf"jku"rtqrgtv{0"
"
58;" Qtfgt"hqt"rtqfwevkqp"qh"fqewogpvu"d{"kpncpf"tgxgpwg"
*3+" Hqt"vjg"rwtrqugu" qh"cp"gzcokpcvkqp" wpfgt"ugevkqp"4;2" *rwdnke"gzcokpcvkqp"
qh"dcpmtwrv+"qt"rtqeggfkpiu"wpfgt"ugevkqpu"588"vq"58:."vjg"eqwtv"oc{."qp"vjg"
crrnkecvkqp"qh" vjg" qhhkekcn" tgegkxgt" qt" vjg" vtwuvgg" qh" vjg" dcpmtwrvÓu" guvcvg."
qtfgt"cp"kpncpf"tgxgpwg"qhhkekcn"vq"rtqfweg"vq"vjg"eqwtvÏ"
"
*c+" cp{"tgvwtp."ceeqwpv"qt"ceeqwpvu"uwdokvvgf"*yjgvjgt"dghqtg"qt" chvgt"vjg"
eqoogpegogpv" qh" vjg" dcpmtwrve{+" d{" vjg" dcpmtwrv" vq" cp{" kpncpf"
tgxgpwg"qhhkekcn."
*d+" cp{" cuuguuogpv" qt" fgvgtokpcvkqp" ocfg" *yjgvjgt" dghqtg" qt" chvgt" vjg"
eqoogpegogpv"qh" vjg"dcpmtwrve{+"kp" tgncvkqp"vq" vjg"dcpmtwrv"d{" cp{"
kpncpf"tgxgpwg"qhhkekcn."qt"
*e+" cp{"eqttgurqpfgpeg"*yjgvjgt"dghqtg"qt"chvgt"vjg"eqoogpegogpv"qh"vjg"
dcpmtwrve{+"dgvyggp"vjg"dcpmtwrv"cpf"cp{"kpncpf"tgxgpwg"qhhkekcn0"
"
*4+" Yjgtg"vjg"eqwtv"jcu"ocfg"cp"qtfgt"wpfgt"uwdugevkqp"*3+"hqt"vjg"rwtrqugu"qh"
cp{" gzcokpcvkqp" qt" rtqeggfkpiu." vjg" eqwtv" oc{." cv" cp{" vkog" chvgt" vjg"
fqewogpv"vq"yjkej"vjg"qtfgt"tgncvgu"ku"rtqfwegf"vq"kv."d{"qtfgt"cwvjqtkug"vjg"
fkuenquwtg"qh" vjg" fqewogpv." qt" qh" cp{" rctv" qh" kvu" eqpvgpvu." vq" vjg" qhhkekcn"
tgegkxgt."vjg"vtwuvgg"qh"vjg"dcpmtwrvÓu"guvcvg"qt"vjg"dcpmtwrvÓu"etgfkvqtu0"
*5+" Vjg" eqwtv" ujcnn" pqv" cfftguu" cp" qtfgt" wpfgt" uwdugevkqp" *3+" vq" cp" kpncpf"
tgxgpwg"qhhkekcn"wpnguu"kv"ku"ucvkuhkgf"vjcv"vjcv"qhhkekcn"ku"fgcnkpi."qt"jcu"fgcnv."
ykvj"vjg"chhcktu"qh"vjg"dcpmtwrv0"
"Application for a Private Examination" 497"
"
*6+" Yjgtg"cp{"fqewogpv" vq"yjkej"cp" qtfgt"wpfgt"uwdugevkqp" *3+"tgncvgu"ku" pqv"
kp"vjg"rquuguukqp"qh"vjg"qhhkekcn"vq"yjqo"vjg"qtfgt"ku"cfftguugf."kv"ku"vjg"fwv{"
qh"vjcv"qhhkekcn"vq"vcmg" cnn"tgcuqpcdng"uvgru"vq"ugewtg"rquuguukqp" qh"kv"cpf."kh"
jg"hcknu"vq"fq"uq."vq"tgrqtv"vjg"tgcuqpu"hqt"jku"hcknwtg"vq"vjg"eqwtv0"
*7+" Yjgtg"cp{"fqewogpv"vq"yjkej"cp"qtfgt"wpfgt"uwdugevkqp"*3+"tgncvgu"ku"kp"vjg"
rquuguukqp"qh"cp"kpncpf"tgxgpwg"qhhkekcn"qvjgt"vjcp"vjg"qpg"vq"yjqo"vjg"qtfgt"
ku"cfftguugf."kv" ku"vjg"fwv{" qh"vjg"qhhkekcn" kp"rquuguukqp"qh" vjg"fqewogpv."cv"
vjg"tgswguv"qh"vjg"qhhkekcn"vq"yjqo"vjg"qtfgt"ku"cfftguugf."vq"fgnkxgt"kv"vq"vjg"
qhhkekcn"ocmkpi"vjg"tgswguv0"
*8+" Kp"vjku"ugevkqp"Òkpncpf"tgxgpwg"qhhkekcnÓ" ogcpu"cp{"kpurgevqt"qt"eqnngevqt"qh"
vczgu" crrqkpvgf"d{" vjg" Eqookuukqpgtu" qh" Kpncpf" Tgxgpwg" qt" cp{" rgtuqp"
crrqkpvgf"d{"vjg"Eqookuukqpgtu"vq"ugtxg"kp"cp{"qvjgt"ecrcekv{0"
*9+" Vjku" ugevkqp" fqgu" pqv" crrn{" hqt" vjg" rwtrqugu" qh" cp" gzcokpcvkqp" wpfgt"
ugevkqpu"588" cpf" 589"yjkej" vcmgu" rnceg"d{" xktvwg" qh" ugevkqp"58:"*kpvgtko"
tgegkxgt+0"
Twngu"34039Î34044"qh"vjg"Kpuqnxgpe{"*Gpincpf"cpf""
Ycngu+"Twngu"4238"
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qtfgt"wpfgtÏ""
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*c+" ugevkqp"458"*kpswkt{"kpvq"eqorcp{Óu"fgcnkpiu+="
*d+" ugevkqp"473P"*fgdv"tgnkgh"qtfgtu"Î"kpswkt{"kpvq"fgcnkpiu"cpf"rtqrgtv{"qh"
fgdvqt+="cpf"
*e+" ugevkqp"588"*kpswkt{"kpvq" dcpmtwrvÓu"fgcnkpiu"cpf" rtqrgtv{+"kpenwfkpi"
ugevkqp"588"cu"kv"crrnkgu"d{"xktvwg"qh"ugevkqp"58:0"
"
*4+" Kp"vjku"uwd/fkxkukqpÏ""
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Òcrrnkecdng"ugevkqpÓ"ogcpu"ugevkqp"458."473P"qt"588="cpf""
Òvjg"kpuqnxgpvÓ"ogcpu" vjg"eqorcp{." vjg"fgdvqt"qt" vjg"dcpmtwrv"cu" vjg"ecug"
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uvcvgÏ""
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*c+" vjg"itqwpfu"qp"yjkej"kv"ku"ocfg="cpf"
*d+" yjkej"qpg"qt"oqtg"qh"vjg"hqnnqykpi"qtfgtu"ku"uqwijvÏ"
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*k+" hqt"vjg"tgurqpfgpv"vq"crrgct"dghqtg"vjg"eqwtv."
*kk+" hqt"vjg"tgurqpfgpv"vq"enctkh{"cp{"ocvvgt"yjkej"ku"kp"fkurwvg"kp"vjg"
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uwej" ocvvgt"*kh" uq" Rctv" 3:"ERT"*hwtvjgt" kphqtocvkqp+" crrnkgu" vq"
cp{"uwej"qtfgt+."
*kkk+" hqt"vjg"tgurqpfgpv"vq"uwdokv"ykvpguu"uvcvgogpvu"*kh"uq."rctvkewnctu"
owuv"dg"ikxgp"qh"vjg"ocvvgtu"vq"dg"kpenwfgf+."qt"
498" Personal Insolvency Practice"
"
*kx+" hqt"vjg" tgurqpfgpv"vq" rtqfweg"dqqmu." rcrgtu"qt" qvjgt"tgeqtfu" *kh"
uq."vjg"kvgou"kp"swguvkqp"vq"dg"urgekhkgf+0"
"
*4+" Cp"crrnkecvkqp"wpfgt" cp"crrnkecdng"ugevkqp" oc{"dg"ocfg" ykvjqwv"pqvkeg"vq"
cp{"qvjgt"rctv{0""
*5+" Vjg"eqwtv"oc{."yjcvgxgt"vjg"qtfgt"uqwijv"kp"vjg"crrnkecvkqp."ocmg"cp{"qtfgt"
yjkej"kv"jcu"rqygt"vq"ocmg"wpfgt"vjg"crrnkecdng"ugevkqp0""
"
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*4+" Vjg"fcvg"owuv"pqv"dg"nguu"vjcp"36"fc{u"htqo"vjg"fcvg"qh"vjg"qtfgt0""
*5+" Kh"vjg" tgurqpfgpv"ku" qtfgtgf"vq" hkng"ykvj" vjg"eqwtv" c"ykvpguu" uvcvgogpv"qt" c"
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*c+" vjg"ocvvgtu"yjkej"ctg"vq"dg"fgcnv"ykvj"kp"kv="cpf"
*d+" vjg"vkog"ykvjkp"yjkej"kv"ku"vq"dg"fgnkxgtgf0"
"
*6+" Kh"vjg"qtfgt"ku"vq" rtqfweg"fqewogpvu"qt"qvjgt"tgeqtfu." vjg"vkog"cpf"ocppgt"
qh"eqornkcpeg"owuv"dg"urgekhkgf0""
*7+" Vjg"crrnkecpv"owuv" ugtxg"c"eqr{"qh" vjg"qtfgt"qp" vjg"tgurqpfgpv"cu" uqqp"cu"
tgcuqpcdn{"rtcevkecdng0""
"
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rgtuqp."qt"dg"tgrtgugpvgf"d{"cp"crrtqrtkcvgn{"swcnkhkgf"ngicn"tgrtgugpvcvkxg."
cpf"oc{"rwv"uwej"swguvkqpu"vq"vjg"tgurqpfgpv"cu"vjg"eqwtv"oc{"cnnqy0""
*4+" Wpnguu" vjg" crrnkecpv" qdlgevu." vjg" hqnnqykpi" rgtuqpu" oc{" cvvgpf" vjg"
gzcokpcvkqp"ykvj"vjg"rgtokuukqp" qh"vjg"eqwtv"cpf" oc{"rwv"swguvkqpu"vq" vjg"
tgurqpfgpv"*dwv"qpn{"vjtqwij"vjg"crrnkecpv+Ï""
"
*c+" cp{"rgtuqp"yjq" eqwnf"jcxg"crrnkgf"hqt" cp"qtfgt"wpfgt" vjg"crrnkecdng"
ugevkqp="cpf"
*d+" cp{"etgfkvqt" yjq"jcu" rtqxkfgf"kphqtocvkqp" qp" yjkej"vjg" crrnkecvkqp"
ycu"ocfg"wpfgt"ugevkqp"458"qt"5880"
"
*5+" Kh" vjg" tgurqpfgpv" ku" qtfgtgf" vq" enctkh{" cp{" ocvvgt" qt" vq" ikxg" cffkvkqpcn"
kphqtocvkqp."vjg"eqwtv"owuv"fktgev" vjg"tgurqpfgpv"cu"vq" vjg"swguvkqpu"yjkej"
vjg" tgurqpfgpv" ku" tgswktgf" vq" cpuygt." cpf" cu" vq" yjgvjgt" vjg" tgurqpfgpvÓu"
cpuygtu"*kh"cp{+"ctg"vq"dg"ocfg"kp"c"ykvpguu"uvcvgogpv0""
*6+" Vjg"tgurqpfgpv"oc{"gornq{"cp"crrtqrtkcvgn{"swcnkhkgf"ngicn"tgrtgugpvcvkxg"
cv"vjg"tgurqpfgpvÓu"qyp"gzrgpug."yjq"oc{Ï""
"
*c+" rwv"vq" vjg" tgurqpfgpv" uwej" swguvkqpu" cu" vjg" eqwtv" oc{" cnnqy"hqt"vjg"
rwtrqug"qh"gpcdnkpi"vjg" tgurqpfgpv"vq"gzrnckp"qt" swcnkh{"cp{"cpuygtu"
ikxgp"d{"vjg"tgurqpfgpv="cpf"
*d+" ocmg"tgrtgugpvcvkqpu"qp"vjg"tgurqpfgpvÓu"dgjcnh0"
"
"Application for a Private Examination" 499"
"
*7+" Uwej"ytkvvgp" tgeqtf" qh" vjg"gzcokp cvkqp"owuv" dg" ocfg" cu"vjg" eqwtv" vjkpmu"
rtqrgt" cpf" uwej" tgeqtf" owuv" dg" tgcf" gkvjgt" vq" qt" d{" vjg" tgurqpfgpv" cpf"
cwvjgpvkecvgf"d{"vjg"tgurqpfgpv"cv"c"xgpwg"hkzgf"d{"vjg"eqwtv0""
*8+" Vjg"tgeqtf"oc{." kp"cp{"rtqeggfkpiu" *yjgvjgt"wpfgt"vjg"Cev"qt" qvjgtykug+."
dg"wugf" cu" gxkfgpeg"cickpuv" vjg"tgurqpfgpv" qh"cp{" uvcvgogpv" ocfg"d{" vjg"
tgurqpfgpv"kp"vjg"eqwtug"qh"vjg"tgurqpfgpvÓu"gzcokpcvkqp0""
"
Tgeqtf"qh"gzcokpcvkqp"
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tgurqpfgpv."vjg"tgurqpfgpvÓu"cpuygtu" cpf"cp{"ykvpguu"uvcvgogpv" qt"ytkvvgp"
ceeqwpv"fgnkxgtgf"vq"vjg"eqwtv"d{"vjg"tgurqpfgpv"kp"eqornkcpeg"ykvj"cp"qtfgt"
qh"vjg"eqwtv"wpfgt"vjg"crrnkecdng"ugevkqp"ctg"pqv"vq"dg"hkngf"ykvj"vjg"eqwtv0""
*4+" Vjg" fqewogpvu" nkuvgf" kp" rctcitcrj" *5+" oc{" pqv" dg" kpurgevgf" ykvjqwv" vjg"
rgtokuukqp"qh"vjg"eqwtv."gzegrv"d{Ï""
"
*c+" vjg"crrnkecpv"hqt"cp"qtfgt"wpfgt"vjg"crrnkecdng"ugevkqp="qt"
*d+" cp{"rgtuqp"yjq"eqwnf"jcxg"crrnkgf"hqt"uwej"cp"qtfgt"kp"tgncvkqp"vq"vjg"
chhcktu"qh"vjg"ucog"kpuqnxgpv0"
"
*5+" Vjg"fqewogpvu"ctgÏ""
"
*c+" vjg"tgeqtf"qh"vjg"tgurqpfgpvÓu"gzcokpcvkqp="
*d+" eqrkgu"qh"swguvkqpu"rwv"vq" vjg"tgurqpfgpv"qt"rtqrqugf"vq" dg"rwv"vq"vjg"
tgurqpfgpv"cpf"cpuygtu"vq"swguvkqpu"ikxgp"d{"vjg"tgurqpfgpv="
*e+" cp{"ykvpguu"uvcvgogpv"d{"vjg"tgurqpfgpv="cpf"
*f+" cp{" fqewogpv" qp" vjg" eqwtv" hkng" vjcv" ujqyu" vjg" itqwpfu" hqt" vjg"
crrnkecvkqp"hqt"vjg"qtfgt0"
"
*6+" Vjg" eqwtv" oc{" htqo" vkog" vq" vkog" ikxg" fktgevkqpu" cu" vq" vjg" ewuvqf{" cpf"
kpurgevkqp" qh" cp{" fqewogpvu" vq" yjkej" vjku" twng" crrnkgu." cpf" cu" vq" vjg"
rtqxkukqp"qh"eqrkgu"qh."qt"gzvtcevu"htqo."uwej"fqewogpvu0""
"
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crrnkecdng" ugevkqp." cpf" kv" crrgctu" vq" kv" vjcv" vjg" gzcokpcvkqp" ycu"ocfg"
pgeguuct{" dgecwug" kphqtocvkqp" jcf" dggp" wplwuvkhkcdn{" tghwugf" d{"vjg"
tgurqpfgpv." kv" oc{" qtfgt" vjcv" vjg" tgurqpfgpv" rc{" vjg" equvu" qh" vjg"
gzcokpcvkqp0""
*4+" Yjgtg"vjg"eqwtv"ocmgu"cp"qtfgt"cickpuv"c"rgtuqp"wpfgtÏ""
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*c+" ugevkqp" 459*3+" qt" 589*3+" *vq" fgnkxgt" wr" rtqrgtv{" kp" cp{" rgt uqpÓu"
rquuguukqp"yjkej"dgnqpiu"vq"vjg"kpuqnxgpv"guvcvg+="qt"
*d+" ugevkqp"459*4+"qt"589*4+"*vq"rc{"cp{"coqwpv"kp"fkuejctig"qh"c"fgdv"fwg"
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rckf"d{"vjg"tgurqpfgpv0""
"
49:" Personal Insolvency Practice"
"
*5+" Uwdlgev"vq"rctcitcrju"*3+"cpf"*4+."vjg"crrnkecpvÓu"equvu"owuv."wpnguu"vjg"eqwtv"
qtfgtu"qvjgtykug."dg"rckfÏ""
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*c+" kp"tgncvkqp"vq" c"eqorcp{" kpuqnxgpe{."cu"cp" gzrgpug"qh"vjg" kpuqnxgpe{"
rtqeggfkpiu="cpf"
*d+" kp"tgncvkqp"vq"cp"kpfkxkfwcn"kpuqnxgpe{."dwv"pqv"kp"rtqeggfkpiu"tgncvkpi"
vq"fgdv" tgnkgh" qtfgtu"qt" crrnkecvkqpu" hqt" fgdv"tgnkgh" qtfgtu." qwv"qh" vjg"
dcpmtwrvÓu"guvcvg"qt"*cu"vjg"ecug"oc{"dg+"vjg"fgdvqtÓu"rtqrgtv{0"
"
*6+" C" rgtuqp" uwooqpgf" vq" cvvgpf" hqt" gzcokpcvkqp" owuv" dg" vgpfgtgf" c"
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rgtuqpÓu"cvvgpfcpeg"dwv"cp{"qvjgt"equvu"hcnnkpi"qp"vjcv"rgtuqp"ctg" cv" vjg"
eqwtvÓu"fkuetgvkqp0""
*7+" Yjgtg" vjg" gzcokpcvkqp" ku" qp" vjg" crrnkecvkqp" qh" vjg" qhhkekcn" tgegkxgt"
qvjgtykug"vjcp"kp"vjg"ecrcekv{"qh"nkswkfcvqt"qt"vtwuvgg."pq"qtfgt"oc{"dg"ocfg"
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"
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4:2" Personal Insolvency Practice"
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4:4" Personal Insolvency Practice"
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4:6" Personal Insolvency Practice"
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