Response to Abbey National, DLA

When you get the statutory insolvency demand from the solicitor of your foe (who would have also sent the demand to the court), you'll have just 18 days to respond with an application for set aside to the court. If you don't apply for set aside, it is assumed that you accept bankruptcy. Get the set aside forms from the court (two free, scrappy, non user friendly documents) and then perhaps get your friendly solicitor from the Citizens Advice to help you fill them in (saves making any mistakes). In person, deliver them to the court with an affidavit - a written declaration of honesty (to which you'll have to swear, in person, in the court office - a 5 minute, no appointment, in and out job). It is on the affidavit that you have to set out your reasons for application for set aside (there is no space or requirement to do so on the forms). Your reasons may include the fact that bankruptcy is an inappropriate way of dealing with the claim because the claim is disputed and unproven (e.g. documents not supplied to you from their solicitor) and perhaps there is no money judgement order. The proper use of such demands is where the court is used to instigate the distribution of a debtors assets in obvious cases of undisputed, proven debt. Make the affidavit part of your application for set aside VERY clear; it has been known for judges to refuse set aside even when it is obvious that the demand was an inappropriate action. It's crazy to think that a judge, without being presented with any proof, reads and then just believes the claim that someone owes somebody else some money, and simply says "yep, make them bankrupt". It would seem that to make a good living, all you have to do is go around accusing everybody that they owe you money, serve some demands and wait for the cash to come rolling in.

[ Previous | Next ]