Responding to a petition: application for a validation order

AuthorMark Watson-Gandy
Pages63-81
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DENE"68:0"
49" Rctcitcrj"340:04"qh"vjg"ERT"Rtcevkeg"Fktgevkqp"Î"Kpuqnxgpe{"Rtqeggfkpiu0"
4:" Twng"340;*5+"qh"vjg"Kpuqnxgpe{"*Gpincpf"cpf"Ycngu+"Twngu"42380"
4;" Twng"340;*5+"qh"vjg"Kpuqnxgpe{"*Gpincpf"cpf"Ycngu+"Twngu"42380"
52" Twng"34032"qh"vjg"Kpuqnxgpe{"*Gpincpf"cpf"Ycngu+"Twngu"42380"
53" Twng"3066"qh"vjg"Kpuqnxgpe{"*Gpincpf"cpf"Ycngu+"Twngu"42380"
54" Uejgfwng"6."rctcitcrj"3*4+"vq"vjg"Kpuqnxgpe{"*Gpincpf"cpf"Ycngu+"Twngu"42380"
8:" Personal Insolvency Practice"
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cwvjqtkv{" vq" ceegrv" ugtxkeg." qp"vjg" tgurqpfgpvÓu" uqnkekvqtu0 55" Gngevtqpke" ugtxkeg""
qh" fqewogpvu" ku" pqy" rgtokuukdng" wpfgt" vjg" Twngu." rtqxkfkpi" vjg" tgurqpfgpv"
ewttgpvn{"eqpugpvu"vq"ugtxkeg"kp"vjcv"yc{"cpf"jcu"rtqxkfgf"cp"gockn"cfftguu"hqt"
ugtxkeg"kp"vjcv"yc{0"
MG["OCVGTKCNU"
Ugevkqp"4:6"qh"vjg"Kpuqnxgpe{"Cev"3;:8"
4:6"Tguvtkevkqpu"qp"fkurqukvkqpu"qh"rtqrgtv{"
*3+" Yjgtg"c"rgtuqp"ku"ocfg"dcpmtwrv."cp{"fkurqukvkqp"qh"rtqrgtv{"ocfg"d{"vjcv"
rgtuqp"kp"vjg"rgtkqf"vq"yjkej"vjku"ugevkqp"crrnkgu"ku"xqkf"gzegrv"vq"vjg"gzvgpv"
vjcv"kv"ku"qt"ycu"ocfg"ykvj"vjg"eqpugpv"qh"vjg"eqwtv."qt"ku"qt"ycu"uwdugswgpvn{"
tcvkhkgf"d{"vjg"eqwtv0"
*4+" Uwdugevkqp" *3+" crrnkgu" vq" c" rc{ogpv" *yjgvjgt" kp" ecuj" qt" qvjgtykug+" cu" kv "
crrnkgu"vq"c"fkurqukvkqp"qh"rtqrgtv{"cpf."ceeqtfkpin{."yjgtg"cp{"rc{ogpv"ku"
xqkf"d{"xktvwg"qh"vjcv"uwdugevkqp."vjg"rgtuqp"rckf"ujcnn"jqnf"vjg"uwo"rckf"hqt"
vjg"dcpmtwrv"cu"rctv"qh"jku"guvcvg0"
*5+" Vjku"ugevkqp"crrnkgu" vq"vjg"rgtkqf"dgikppkpi" ykvj"vjg"fc{" qh"vjg"ocmkpi" qh"
vjg"dcpmtwrve{" crrnkecvkqp"qt" *cu"vjg" ecug"oc{" dg+"vjg" rtgugpvcvkqp"qh" vjg"
dcpmtwrve{"rgvkvkqp" cpf"gpfkpi"ykvj" vjg"xguvkpi." wpfgt"Ejcrvgt" KX"qh" vjku"
Rctv."qh"vjg"dcpmtwrvÓu"guvcvg"kp"c"vtwuvgg0"
*6+" Vjg"rtgegfkpi"rtqxkukqpu" qh"vjku" ugevkqp"fq" pqv"ikxg"c" tgogf{"cickpuv"cp{"
rgtuqpÏ"
"
*c+" kp"tgurgev" qh" cp{" rtqrgtv{"qt" rc{ogpv" yjkej"jg" tgegkxgf" dghqtg" vjg"
eqoogpegogpv"qh"vjg"dcpmtwrve{"kp"iqqf"hckvj."hqt"xcnwg"cpf"ykvjqwv"
pqvkeg"vjcv" vjg"dcpmtwrve{" crrnkecvkqp"jcf" dggp"ocfg" qt"*cu"v jg"ecug"
oc{"dg+"vjcv"vjg"dcpmtwrve{"rgvkvkqp"jcf"dggp"rtgugpvgf."qt"
*d+" kp"tgurgev"qh"cp{"kpvgtguv"kp"rtqrgtv{"yjkej"fgtkxgu"htqo"cp"kpvgtguv" kp"
tgurgev"qh"yjkej"vjgtg"ku."d{"xktvwg"qh"vjku"uwdugevkqp."pq"tgogf{0"
"
*7+" Yjgtg"chvgt"vjg"eqoogpegogpv"qh"jku"dcpmtwrve{"vjg"dcpmtwrv"jcu"kpewttgf"
c"fgdv" vq"c" dcpmgt" qt"qvjgt" rgtuqp"d{" tgcuqp"qh" vjg" ocmkpi"qh" c"rc{ogpv"
yjkej"ku"xqkf"wpfgt"vjku"ugevkqp."vjcv"fgdv"ku"fggogf"hqt"vjg"rwtrqugu"qh"cp{"
qh"vjku"Itqwr" qh"Rctvu" vq"jcxg"dggp" kpewttgf"dghqtg" vjg"eqoogpegogpv"qh"
vjg"dcpmtwrve{"wpnguuÏ"
"
*c+" vjcv"dcpmgt"qt"rgtuqp"jcf"pqvkeg"qh"vjg"dcpmtwrve{"dghqtg"vjg"fgdv"ycu"
kpewttgf."qt"
*d+" kv"ku"pqv"tgcuqpcdn{"rtcevkecdng"hqt"vjg"coqwpv"qh"vjg"rc{ogpv"vq" dg"
tgeqxgtgf"htqo"vjg"rgtuqp"vq"yjqo"kv"ycu"ocfg0"
"
"
55" Twng"3062"qh"vjg"Kpuqnxgpe{"*Gpincpf"cpf"Ycngu+"Twngu"42380"
"Application for a Validation Order" 8;"
"
*8+" C"fkurqukvkqp"qh"rtqrgtv{"ku"xqkf"wpfgt"vjku"ugevkqp"pqvykvjuvcpfkpi"vjcv"vjg"
rtqrgtv{" ku" pqv" qt." cu" vjg" ecug" oc{" dg." yqwnf" pqv" dg" eqortkugf"kp" vjg"
dcpmtwrvÓu"guvcvg="dwv"pqvjkpi"kp"vjku"ugevkqp"chhgevu"cp{"fkurqukvkqp"ocfg"d{"
c"rgtuqp"qh"rtqrgtv{"jgnf"d{"jko"qp"vtwuv"hqt"cp{"qvjgt"rgtuqp0"
Rctcitcrj"340:"qh"vjg"ERT"Rtcevkeg"Fktgevkqp"Î"Kpuqnxgpe{"
Rtqeggfkpiu."6"Lwn{"423:"
340:" Xcnkfcvkqp"qtfgtu"
340:03" C"rgtuqp" cickpuv"yjqo" c"d cpmtwrve{"rgvkvkqp" jcu"dggp" rtgugpvgf"
oc{"crrn{"vq" vjg"Eqwtv"chvgt" rtgugpvcvkqp"qh" vjg"rgvkvkqp"hqt" tgnkgh"
htqo"vjg"ghhgevu"qh"u04:6*3+"Î"*5+"qh"vjg"Cev"d{"uggmkpi"cp"qtfgt"vjcv"
c" egtvckp" fkurqukvkqp" qt" fkurqukvkqpu" qh" vjcv" rgtuqpÓu" rtqrgtv{."
kpenwfkpi" rc{ogpvu" qwv" qh" vjgkt" dcpm" ceeqwpv" *yjgvjgt" uwej"
ceeqwpv"ku"kp"etgfkv"qt"qxgtftcyp+."ujcnn"pqv"dg"xqkf"kp"vjg"gxgpv"qh"
c" dcpmtwrve{" qtfgt" dgkpi" ocfg" cv" vjg" jgctkpi" qh" vjg" rgvkvkqp" *c"
xcnkfcvkqp"qtfgt+0"
340:04" Ucxg" kp" gzegrvkqpcn" ektewouvcpegu." pqvkeg" qh" vjg" ocmkpi" qh" vjg"
crrnkecvkqp" ujqwnf" dg" ikxgp" vq" *c+" vjg" rgvkvkqpkpi"etgfkvqt*u+" qt"
qvjgt" rgvkvkqpgt." *d+" cp{" etgfkvqt" yjq" jcu" ikxgp" pqvkeg" vq" vjg"
rgvkvkqpgt"qh"vjgkt"kpvgpvkqp"vq"crrgct"qp"vjg"jgctkpi"qh"vjg"rgvkvkqp"
rwtuwcpv"vq"twng"3203;."*e+"cp{"etgfkvqt"yjq"jcu"dggp"uwduvkvwvgf"cu"
rgvkvkqpgt" rwtuwcpv" vq" twng" 32049" cpf" *f+" cp{" etgfkvqt" yjq" jcu"
ecttkcig"qh"vjg"rgvkvkqp"rwtuwcpv"vq"twng"3204;0"
340:05" Vjg"crrnkecvkqp"ujqwnf"dg"uwrrqtvgf"d{"c"ykvpguu"uvcvgogpv"yjkej."
ucxg"kp"gzegrvkqpcn" ektewouvcpegu."ujqwnf"dg" ocfg"d{"vjg" fgdvqt0"
Kh" crrtqrtkcvg." uwrrqtvkpi" gxkfgpeg" kp" vjg" hqto" qh" c" ykvpguu"
uvcvgogpv"htqo"vjg"fgdvqtÓu"ceeqwpvcpv"ujqwnf"cnuq"dg"rtqfwegf0"
340:06" Vjg"gzvgpv"cpf"eqpvgpvu"qh" vjg"gxkfgpeg"yknn"xct{"ceeqtfkpi" vq"vjg"
ektewouvcpegu" cpf" vjg" pcvwtg" qh" vjg"tgnkgh" uqwijv." dwv" kp" c" ecug"
yjgtg" vjg" fgdvqt" ku" vtcfkpi" qt" ectt{kpi" qp" dwukpguu" kv" ujqwnf"
kpenwfg."cu"c"okpkowo."vjg"hqnnqykpi"kphqtocvkqp
"
*3+" yjgp"cpf" vq"yjqo" pqvkeg" jcu"dggp" ikxgp"kp" ceeqtfcpeg"
ykvj"rctcitcrj"340:04"cdqxg="
*4+" dtkgh"fgvcknu" qh"vjg" ektewouvcpegu"ngcfkpi" vq"rtgugpvcvkqp"
qh"vjg"rgvkvkqp="
*5+" jqy"vjg" fgdvqt" dgecog"cyctg" qh" vjg"rtgugpvcvkqp" qh" vjg"
rgvkvkqp="
*6+" yjgvjgt"vjg" rgvkvkqp" fgdv"ku" cfokvvgf" qt" fkurwvgf"cpf." kh"
vjg"ncvvgt." dtkgh" fgvcknu" qh" vjg"dcuku" qp" yjkej" vjg"fgdv" ku"
fkurwvgf="
*7+" hwnn" fgvcknu" qh" vjg" fgdvqtÓu" hkpcpekcn" rqukvkqp" kpenwfkpi"
fgvcknu"qh"vjgkt"cuugvu"*kpenwfkpi"fgvcknu"qh"cp{"ugewtkv{"cpf"
vjg" coqwpv*u+" ugewtgf+" cpf" nkcdknkvkgu." yjkej" ujqwnf" dg"
uwrrqtvgf."cu" hct" cu" rquukdng." d{" fqewogpvct{" gxkfgpeg."
g0i0" ceeqwpvu." ftchv" ceeqwpvu." ocpcigogpv" ceeqwpvu" qt"
guvkocvgf"uvcvgogpv"qh"chhcktu="
92" Personal Insolvency Practice"
"
*8+" c"ecuj"hnqy"hqtgecuv"cpf" rtqhkv"cpf"nquu"rtqlgevkqp" hqt"vjg"
rgtkqf"hqt"yjkej"vjg"qtfgt"ku"uqwijv="
*9+" fgvcknu"qh"vjg"fkurqukvkqpu"qt"rc{ogpvu"kp"tgurgev"qh"yjkej"
cp"qtfgt"ku"uqwijv="
*:+" vjg" tgcuqpu" tgnkgf" qp" kp" uwrrqtv" qh" vjg" pggf" hqt" uwej"
fkurqukvkqpu"qt"rc{ogpvu"vq"dg"ocfg="
*;+" cp{" qvjgt" kphqtocvkqp" tgngxcpv" vq" vjg" gzgtekug" qh" vjg"
EqwtvÓu"fkuetgvkqp="
*32+" fgvcknu" qh" cp{" eqpugpvu" qdvckpgf" htqo" vjg" rgtuqpu"
ogpvkqpgf" kp" rctcitcrj" 340:04" cdqxg" *uwrrqtvgf" d{"
fqewogpvct{"gxkfgpeg"yjgtg"crrtqrtkcvg+="
*33+" fgvcknu"qh"cp{"tgngxcpv"dcpm"ceeqwpv."kpenwfkpi"kvu"pwodgt"
cpf"vjg" cfftguu" cpf"uqtv" eqfg"qh" vjg" dcpm"cv" yjkej"uwej"
ceeqwpv" ku" jgnf" cpf" vjg" coqwpv" qh" vjg" etgfkv" qt" fgdkv"
dcncpeg" qp" uwej" ceeqwpv" cv" vjg" vkog" qh" ocmkpi" vjg"
crrnkecvkqp0"
"
340:07" Yjgtg"cp" crrnkecvkqp" ku"ocfg" wtigpvn{" vq"gpcdng" rc{ogpvu"vq" dg"
ocfg"yjkej"ctg"guugpvkcn"vq"eqpvkpwgf"vtcfkpi"*g0i0"ycigu+"cpf"kv"ku"
pqv"rquukdng" vq" cuugodng" cnn" vjg"gx kfgpeg"nkuvgf" cdqxg." vjg" Eqwtv"
oc{"eqpukfgt" itcpvkpi" nkokvgf" tgnkgh"hqt" c" ujqtv" rgtkqf."dwv" vjgtg"
owuv"dg"uwhhkekgpv"gxkfgpeg"vq"ucvkuh{"vjg"Eqwtv"vjcv"vjg"kpvgtguvu"qh"
etgfkvqtu"ctg"wpnkmgn{"vq"dg"rtglwfkegf0"
340:08" Yjgtg" vjg"fgdvqt" ku" pqv" vtcfkpi" qt" ectt{kpi" qp" dwukpguu" cpf" vjg"
crrnkecvkqp" tgncvgu" qpn{" vq" c" rtqrqugf" ucng." oqtvicig" qt" tg/
oqtvicig" qh" vjg" fgdvqtÓu" jqog." gxkfgpeg" qh" vjg" hqnnqykpi" yknn"
igpgtcnn{"uwhhkeg
"
*3+" yjgp"cpf" vq"yjqo" pqvkeg" jcu"dggp" ikxgp"kp" ceeqtfcpeg"
ykvj"340:04"cdqxg="
*4+" yjgvjgt"vjg" rgvkvkqp" fgdv"ku" cfokvvgf" qt" fkurwvgf"cpf." kh"
vjg"ncvvgt." dtkgh" fgvcknu" qh" vjg"dcuku" qp" yjkej" vjg"fgdv" ku"
fkurwvgf="
*5+" fgvcknu" qh" vjg" rtqrgtv{" vq" dg" uqnf." oqtvicigf" qt" tg/
oqtvicigf"*kpenwfkpi"kvu"vkvng"pwodgt+="
*6+" vjg"xcnwg" qh"vjg" rtqrgtv{"cpf" vjg" rtqrqugf"ucng" rtkeg."qt"
fgvcknu"qh"vjg"oqtvicig"qt"tg/oqtvicig="
*7+" fgvcknu" qh" cp{" gzkuvkpi" oqtvicigu" qt" ejctigu" qp" vjg"
rtqrgtv{"cpf"tgfgorvkqp"hkiwtgu="
*8+" vjg"equvu"qh"ucng"*g0i0"uqnkekvqtuÓ"qt"cigpvuÓ"equvu+="
*9+" jqy" cpf" d{" yjqo" cp{" pgv" rtqeggfu" qh" ucng" *qt" uwou"
eqokpi"kpvq"vjg"fgdvqtÓu"jcpfu"cu"c"tguwnv"qh"cp{"oqtvicig"
qt"tg/oqtvicig+"ctg"vq"dg"jgnf"rgpfkpi"vjg"hkpcn"jgctkpi"qh"
vjg"rgvkvkqp="
*:+" cp{" qvjgt" kphqtocvkqp" tgngxcpv" vq" vjg" gzgtekug" qh" vjg"
EqwtvÓu"fkuetgvkqp="
"Application for a Validation Order" 93"
"
*;+" fgvcknu" qh" cp{" eqpugpvu" qdvckpgf" htqo" vjg" rgtuqpu"
ogpvkqpgf" kp" 340:04" cdqxg" *uwrrqtvgf" d{" fqewogpvct{"
gxkfgpeg"yjgtg"crrtqrtkcvg+0"
"
340:09" Yjgvjgt"qt"pqv"vjg"fgdvqt"ku"vtcfkpi"qt"ectt{kpi"qp"dwukpguu."yjgtg"
vjg" crrnkecvkqp" kpxqnxgu" c" fkurqukvkqp"qh" rtqrgtv{" vjg" Eqwtv" yknn"
pggf"vq"dg" ucvkuhkgf"vjcv"cp{" rtqrqugf"fkurqucn"yknn" dg"cv"c" rtqrgt"
xcnwg0" Cp" kpfgrgpfgpv" xcnwcvkqp" ujqwnf" dg" qdvckpgf" hqt" vjku"
rwtrqug"cpf"gzjkdkvgf"vq"vjg"gxkfgpeg0"
340:0:" Vjg"Eqwtv" yknn" pggf"vq" dg" ucvkuhkgf"d{" etgfkdng" gxkfgpeg"vjcv" vjg"
fgdvqt"ku"uqnxgpv"cpf"cdng"vq"rc{"vjgkt"fgdvu"cu"vjg{"hcnn"fwg"qt"vjcv"
c"rctvkewnct"vtcpucevkqp"qt"ugtkgu"qh"vtcpucevkqpu"kp"tgurgev"qh"yjkej"
vjg"qtfgt" ku" uqwijv"yknn" dg" dgpghkekcn"vq" qt" yknn"pqv" rtglwfkeg"vjg"
kpvgtguvu"qh"cnn"vjg"wpugewtgf"etgfkvqtu"cu"c"encuu0"
340:0;" C"ftchv"qh"vjg"qtfgt"ujqwnf"ceeqorcp{"vjg"crrnkecvkqp0"
340:032" Ukoknct"eqpukfgtcvkqpu"vq"vjqug"ugv"qwv" cdqxg"ctg"nkmgn{"vq"crrn{"vq"
crrnkecvkqpu"uggmkpi" tcvkhkecvkqp"qh" c"vtcpucevkqp" qt"rc{ogpv" chvgt"
vjg"ocmkpi"qh"c"dcpmtwrve{"qtfgt0"
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94" Personal Insolvency Practice"
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



 

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

 

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"Application for a Validation Order" 95"
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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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












 
96" Personal Insolvency Practice"
"



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
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
 
 

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
"Application for a Validation Order" 97"
"
704" FTCHV"XCNKFCVKQP"QTFGT"


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
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

 
 

 



 






 

98" Personal Insolvency Practice"
"





"Application for a Validation Order" 99"
"
705" FGDVQTÓU"YKVPGUU"UVCVGOGPV"KP"UWRRQTV"
QH"CP"CRRNKECVKQP"HQT"C"XCNKFCVKQP"
QTFGT"
















 

 


 

 

 

 


"
 






9:" Personal Insolvency Practice"
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 
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


 





"Application for a Validation Order" 9;"
"
 










 












""
:2" Personal Insolvency Practice"
"
706" CEEQWPVCPVÓU"YKVPGUU"UVCVGOGPV"KP"
UWRRQTV"QH"CP"CRRNKECVKQP"HQT"C"
XCNKFCVKQP"QTFGT"
















"
 

 


 

 

 

 


 






"Application for a Validation Order" :3"
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 



 



 




 
 
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 
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







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