Application to challenge decisions in respect of a debt relief order

AuthorMark Watson-Gandy
Pages239-252
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Òvjg"crrnkecvkqp"fcvgÓ."kp"tgncvkqp"vq"c" fgdv"tgnkgh"qtfgt"qt"cp"crrnkecvkqp"hqt"
c" fgdv"tgnkgh" qtfgt." ogcpu" vjg" fcvg" qp" yjkej" vjg" crrnkecvkqp" hqt" vjg"
qtfgt"ku"ocfg"vq"vjg"qhhkekcn"tgegkxgt="
Òcrrtqxgf"kpvgtogfkct{Ó"jcu"vjg"ogcpkpi"ikxgp"kp"ugevkqp"473W*3+="
Òfgdv"tgnkgh"qtfgtÓ" ogcpu"cp"qtfgt" ocfg"d{"vjg" qhhkekcn"tgegkxgt"wpfgt" vjku"
Rctv="
ÒfgdvqtÓ"ogcpuÏ"
"
*c+" kp"tgncvkqp"vq"cp"crrnkecvkqp"hqt"c"fgdv" tgnkgh"qtfgt."vjg"crrnkecpv="
cpf"
*d+" kp"tgncvkqp" vq"c"fgdv" tgnkgh"qtfgt."vjg" rgtuqp"kp"tgncvkqp" vq"yjqo"
vjg"qtfgt"ku"ocfg="
"
Òfgdv" tgnkgh" tguvtkevkqpu" qtfgtÓ" cpf" Òfgdv" tgnkgh" tguvtkevkqpu" wpfgtvcmkpiÓ"
ogcpu" cp" qtfgt" ocfg." qt" cp" wpfgtvcmkpi" ceegrvgf." wpfgt" Uejgfwng"
6¥D="
Òvjg"fgvgtokpcvkqp"fcvgÓ." kp"tgncvkqp"vq" c"fgdv"tgnkgh"qtfgt" qt"cp"crrnkecvkqp"
hqt"c"fgdv"tgnkgh"qtfgt."ogcpu"vjg"fcvg"qp"yjkej"vjg"crrnkecvkqp"hqt"vjg"
qtfgt"ku"fgvgtokpgf"d{"vjg"qhhkekcn"tgegkxgt="
Òvjg"ghhgevkxg"fcvgÓ"jcu"vjg"ogcpkpi"ikxgp"kp"ugevkqp"473G*9+="
Ògzenwfgf"fgdvÓ"ku"vq"dg"eqpuvtwgf"kp"ceeqtfcpeg"ykvj"ugevkqp"473C="
ÒoqtcvqtkwoÓ"cpf" Òoqtcvqtkwo" rgtkqfÓ" ctg"vq" dg" eqpuvtwgf" kp" ceeqtfcpeg"
ykvj"ugevkqpu"473I"cpf"473J="
Òswcnkh{kpi" fgdvÓ." kp" tgncvkqp" vq" c" fgdvqt." jcu" vjg" ogcpkpi" ikxgp" kp""
ugevkqp"473C*4+="
Òvjg"tgikuvgtÓ"ogcpu"vjg"tgikuvgt"ockpvckpgf"wpfgt"ugevkqp"473Y="
Òurgekhkgf"swcnkh{kpi"fgdvÓ"jcu"vjg"ogcpkpi"ikxgp"kp"ugevkqp"473I*3+0"
"
*4+" Kp"vjku" Rctv" tghgtgpegu"vq" c"etgfkvqt" urgekhkgf" kp"c" fgdv"tgnkgh" qtfgt"cu" vjg"
rgtuqp"vq"yjqo"c"swcnkh{kpi"fgdv"ku"qygf"d{"vjg"fgdvqt"kpenwfg"c"tghgtgpeg"
vq"cp{"rgtuqp"vq" yjqo"vjg"tkijv"vq"encko" vjg"yjqng"qt"cp{"rctv"qh" vjg"fgdv"
jcu" rcuugf." d{" cuukipogpv" qt" qrgtcvkqp" qh" ncy." chvgt" vjg" fcvg" qh" vjg"
crrnkecvkqp"hqt"vjg"qtfgt0"
Twngu";036"cpf";043Î;044"qh"vjg"Kpuqnxgpe{"*Gpincpf"cpf"
Ycngu+"Twngu"4238"
Ogcpkpi"qh"ÒetgfkvqtÓ"
;0360"Kp"vjku"Ejcrvgt."ÒetgfkvqtÓ"ogcpu"c"rgtuqp"urgekhkgf"kp"c"fgdv"tgnkgh"qtfgt"cu"
c"etgfkvqt"vq"yjqo"c"swcnkh{kpi"fgdv"ku"qygf0""
"
Pqvkeg"qh"crrnkecvkqp"vq"eqwtv"wpfgt"ugevkqp"473O"
;0430Ï*3+"Vjku"twng"crrnkgu"vq"crrnkecvkqpu"vq"vjg"eqwtv"wpfgt"ugevkqp"473O0""
*4+" Yjgtg"vjg" crrnkecvkqp" ku"ocfg" d{" c"rgtuqp" yjq"ku" fkuucvkuhkgf" d{"cp" cev."
qokuukqp"qt"fgekukqp"qh"vjg"qhhkekcn"tgegkxgt"kp"eqppgevkqp"ykvj"c"fgdv"tgnkgh"
"Application to Challenge Decisions in Respect of a Debt Relief Order" 467"
"
qtfgt" qt" cp"crrnkecvkqp" hqt" c" fgdv" tgnkgh" qtfgt" vjg" crrnkecpv" owuv" fgnkxgt""
c"pqvkegÏ""
"
*c+" kh"vjg" crrnkecpv"ku"vjg"f gdvqt."vq"vjg" qhhkekcn"tgegkxgt"cpf" cp{"etgfkvqt"
urgekhkgf"kp"vjg"fgdv"tgnkgh"qtfgt"qt"kp"vjg"crrnkecvkqp"hqt"vjg"fgdv"tgnkgh"
qtfgt="qt"
*d+" kh"vjg"crrnkecpv"ku"c"rgtuqp"qvjgt"vjcp"vjg"fgdvqt."vq"vjg"qhhkekcn"tgegkxgt"
cpf"vjg"fgdvqt0"
"
*5+" Yjgtg"vjg" crrnkecvkqp"ku"ocfg" d{"vjg"qhhkekcn" tgegkxgt"hqt"fktgevkqpu" qt"cp"
qtfgt"kp"tgncvkqp"vq"c"ocvvgt"ctkukpi"kp"eqppgevkqp"ykvj"c"fgdv"tgnkgh"qtfgt"qt"
cp"crrnkecvkqp" hqt" uwej" cp" qtfgt." vjg" qhhkekcn" tgegkxgt" owuv" fgnkxgt" pqvkeg"
vqÏ""
"
*c+" vjg"fgdvqt="cpf"
*d+" cp{"rgtuqp"crrgctkpi"vq"vjg" qhhkekcn"tgegkxgt"vq"jcxg"cp"kpvgtguv" kp"vjg"
crrnkecvkqp0"
"
Eqwtv"kp"yjkej"crrnkecvkqpu"wpfgt"ugevkqpu"473O"qt"473P"ctg"vq"dg"ocfg"
;0440Ï*3+"Cp" crrnkecvkqp" vq" vjg" eqwtv" wpfgt" ugevkqp" 473O" qt" 473P" owuv" dg""
ocfg"vqÏ""
"
*c+" vjg" Eqwpv{" Eqwtv" cv" Egpvtcn" Nqpfqp." yjgtg" vjg" rtqeggfkpiu" ctg"
cnnqecvgf" vq" vjg" Nqpfqp" Kpuqnxgpe{" Fkuvtkev" wpfgt"twng" 3407*c+*k+" vq"
*kx+="
*d+" vjg" Jkij" Eqwtv." yjgtg" vjg" rtqeggfkpiu" ctg" cnnqecvgf" vq" vjg" Nqpfqp"
Kpuqnxgpe{"Fkuvtkev"wpfgt"twng"3407*c+*x+="
*e+" vjg" fgdvqtÓu" qyp" jgctkpi" egpvtg"cu" fgvgtokpgf" wpfgt" rctcitcrj" *5+"
*uwdlgev"vq"rctcitcrj"*6++."kp"cp{"qvjgt"ecug"yjgtg"vjg"fgdvqt"ku"tgukfgpv"
kp"Gpincpf"cpf"Ycngu0"
"
*4+" Vjg"crrnkecvkqp"oc{"dg"hkngf"gkvjgt"ykvj"vjg"fgdvqtÓu"qyp"jgctkpi"egpvtg"qt"
ykvj"vjg"Jkij"Eqwtv"khÏ""
"
*c+" vjg"fgdvqt" ku" pqv"tgukfgpv" kp"Gpincpf" cpf"Ycngu" dwv" ycu"tgukfgpv" qt"
ecttkgf" qp" dwukpguu" kp" Gpincpf" cpf" Ycngu" ykvjkp" vjg" ukz" oqpvju"
koogfkcvgn{"dghqtg"vjg"crrnkecvkqp"ku"hkngf"ykvj"vjg"eqwtv="cpf"
*d+" vjg"rtqeggfkpiu"ctg"pqv"cnnqecvgf"vq"vjg"Nqpfqp"Kpuqnxgpe{"Fkuvtkev0"
"
*5+" Kp"vjku"twng"vjg"fgdvqtÓu"qyp"jgctkpi"egpvtg"kuÏ""
"
*c+" yjgtg"vjg"fgdvqt"jcu"ecttkgf"qp"dwukpguu"kp"Gpincpf"cpf"Ycngu"ykvjkp"
vjg" ukz" oqpvju" koogfkcvgn{" dghqtg" vjg"crrnkecvkqp" ku" hkngf" ykvj"vjg"
eqwtv."vjg"jgctkpi"egpvtg"yjkej"ugtxgu"vjg"kpuqnxgpe{"fkuvtkev"yjgtg"hqt"
vjg"nqpiguv"rgtkqf"fwtkpi"vjqug"ukz"oqpvjuÏ"
"
*k+" vjg"fgdvqt"ecttkgf"qp"dwukpguu."qt"
*kk+" vjg" rtkpekrcn" rnceg" qh" dwukpguu" ycu" nqecvgf." kh" dwukpguu" ycu"
ecttkgf"qp"kp"oqtg"vjcp"qpg"kpuqnxgpe{"fkuvtkev="qt"
468" Personal Insolvency Practice"
"
*d+" yjgtg" vjg" fgdvqt" jcu" pqv" ecttkgf" qp" dwukpguu" kp" Gpincpf" cpf"Ycngu"
ykvjkp"vjg"ukz"oqpvju"koogfkcvgn{"dghqtg"vjg" crrnkecvkqp"ku"hkngf"ykvj"
vjg"eqwtv."vjg"jgctkpi"egpvtg"yjkej"ugtxgu"vjg"kpuqnxgpe{"fkuvtkev"yjgtg"
vjg"fgdvqt"tgukfgf"hqt"vjg"nqpiguv"rgtkqf"fwtkpi"vjqug"ukz"oqpvju0"
"
*6+" Yjgtg."hqt"yjcvgxgt"tgcuqp."kv"ku"pqv"rquukdng"hqt"vjg"crrnkecvkqp"vq"dg"hkngf"
ykvj"vjg"fgdvqtÓu"qyp"jgctkpi"egpvtg."vjg"crrnkecpv"oc{."ykvj"c" xkgy" vq"
gzrgfkvkpi"vjg"crrnkecvkqp."hkng"vjg"crrnkecvkqpÏ""
"
*c+" yjgtg"rctcitcrj"*5+*c+"crrnkgu."ykvjÏ"
"
*k+" vjg"jgctkpi"egpvtg"hqt"vjg"kpuqnxgpe{" fkuvtkev"kp"yjkej"vjg"fgdvqt"
tgukfgu."qt"
*kk+" vjg"jgctkpi"egpvtg"urgekhkgf"kp"Uejgfwng"8"cu"vjg"pgctguv"hwnn/vkog"
jgctkpi"egpvtg"vq"vjg"jgctkpi"egpvtg"urgekhkgf"kp"rctcitcrj"*5+*c+."
qt"rctcitcrj"*k+"cu"vjg"ecug"oc{"dg="qt"
"
*d+" yjgtg" rctcitcrj" *5+*d+" crrnkgu." ykvj" vjg" jgctkpi" egpvtg" urgekhkgf" kp"
Uejgfwng" 8" cu" dgkpi" vjg" pgctguv" hwnn/vkog" jgctkpi" egpvtg" vq" vjcv"
urgekhkgf"kp"rctcitcrj"*5+*d+0"
"
*7+" Vjg" crrnkecvkqp" owuv" eqpvckp" uwhhkekgpv" kphqtocvkqp" vq" guvcdnkuj" vjcv" kv" ku"
dtqwijv"kp" vjg"crrtqrtkcvg" eqwtv."cpf" yjgtg"vjg" crrnkecvkqp"ku"ocfg" vq"vjg"
Eqwpv{"Eqwtv."vjg"crrtqrtkcvg"jgctkpi"egpvtg0""
"
""
"Application to Challenge Decisions in Respect of a Debt Relief Order" 469"
"
3803" QTFKPCT["CRRNKECVKQP"HQT"CP"QTFGT"
TGXQMKPI"C"FGDV"TGNKGH"QTFGT"
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
46:" Personal Insolvency Practice"
"









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




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


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 
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 

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


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
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
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
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
 




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
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
 
 
"
"Application to Challenge Decisions in Respect of a Debt Relief Order" 46;"
"












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


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472" Personal Insolvency Practice"
"
3804" YKVPGUU"UVCVGOGPV"KP"UWRRQTV"QH"CP"
CRRNKECVKQP"HQT"CP"QTFGT"TGXQMKPI"C"
FGDV"TGNKGH"QTFGT"

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
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





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
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
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
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 
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 
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 
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 

"Application to Challenge Decisions in Respect of a Debt Relief Order" 473"
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 
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
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
 


 

 

"




Ey;77”"E⁄yNj⁄}

474" Personal Insolvency Practice"
"
3805" FTCHV"QTFGT"TGXQMKPI"C"FGDV"TGNKGH"
QTFGT"




















 

 






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