Source: https://legislation.vlex.co.uk/vid/debt-relief-act-northern-ireland-2010-309915998
Timestamp: 2019-06-20 21:11:59
Document Index: 698615163

Matched Legal Cases: ['arts 8', 'art 8', 'ARTS 7', 'ART 7', 'art 1', 'art 2', 'art 1', 'art 6']

Debt Relief Act (Northern Ireland) 2010 - Legislation - VLEX 309915998
Document Number: 2010 CHAPTER 16
An Act to make provision about the relief of debt of individuals and for connected purposes.
[15 th December 2010]
In the Order of 1989—
(a) omit the heading to Parts 8 to 10 (insolvency of individuals; bankruptcy) immediately following Article 208;
(b) before the heading to Part 8 (individual voluntary arrangements) insert—
“PARTS 7 A TO 10 INSOLVENCY OF INDIVIDUALS; BANKRUPTCY
PART 7 ADEBT RELIEF ORDERS
208 A.—(1) An individual who is unable to pay his debts may apply for an order under this Part (“a debt relief order”) to be made in respect of his qualifying debts.
(a) is for a liquidated sum payable either immediately or at some certain future time; and
(b) is not an excluded debt.
Applications for a debt relief order
208 B.—(1) An application for a debt relief order must be made to the official receiver through an approved intermediary.
(a) a list of the debts to which the debtor is subject at the date of the application, specifying the amount of each debt (including any interest, penalty or other sum that has become payable in relation to that debt on or before that date) and the creditor to whom it is owed;
(b) details of any security held in respect of any of those debts; and
(c) such other information about the debtor’s affairs (including his creditors, debts and liabilities and his income and assets) as may be prescribed.
(a) the form of an application for a debt relief order;
(b) the manner in which an application is to be made; and
(c) information and documents to be supplied in support of an application.
(a) the application has been submitted to the official receiver; and
(b) any fee required in connection with the application by an order under Article 361 has been paid to such person as the order may specify.
208 C.—(1) This Article applies where an application for a debt relief order is made.
(a) deciding whether to refuse the application;
(b) if he does not refuse it, by making a debt relief order in relation to the specified debts he is satisfied were qualifying debts of the debtor at the application date;
(a) the application does not meet all the requirements imposed by or under Article 208 B;
(b) any queries raised with the debtor have not been answered to the satisfaction of the official receiver within such time as he may specify when they are raised;
(c) the debtor has made any false representation or omission in making the application or on supplying any information or documents in support of it.
(a) the debtor is an individual who is unable to pay his debts;
(b) at least one of the specified debts was a qualifying debt of the debtor at the application date;
(c) each of the conditions set out in Part 1 of Schedule 2 ZA is met.
(6) The official receiver may refuse the application if he is not satisfied that each condition specified in Part 2 of Schedule 2 ZA is met.
208 D.—(1) The following presumptions are to apply to the determination of an application for a debt relief order.
(a) that appears to the official receiver to be the case at the application date from the information supplied in the application and he has no reason to believe that the information supplied is incomplete or inaccurate; and
(b) he has no reason to believe that, by virtue of a change in the debtor’s financial circumstances since the application date, the debtor may be able to pay his debts.
(a) that appears to him to be the case from the information supplied in the application; and
(b) he has no reason to believe that the information supplied is incomplete or inaccurate.
(4) The official receiver must presume that the condition specified in paragraph 1 of Schedule 2 ZA is met if—
(a) that appears to him to be the case from the information supplied in the application;
(b) any prescribed verification checks relating to the condition have been made; and
(c) he has no reason to believe that the information supplied is incomplete or inaccurate.
(5) The official receiver must presume that any other condition specified in Part 1 or 2 of Schedule 2 ZA is met if—
(a) that appears to him to have been the case as at the application date from the information supplied in the application and he has no reason to believe that the information supplied is incomplete or inaccurate;
(c) he has no reason to believe that, by virtue of a change in circumstances since the application date, the condition may no longer be met.
Making and effect of debt relief order
208 E.—(1) This Article applies where the official receiver makes a debt relief order on determining an application under Article 208 C.
(a) give a copy of the order to the debtor; and
(b) make an entry for the order in the register containing the prescribed information about the order or the debtor.
(a) the making of the order and its effect,
(b) the grounds on which a creditor may object under Article 208 K, and
208 F. Where—
(a) a debt relief order is made; and
(b) immediately before the order is made, an administration order under Part 6 of the Judgments Enforcement Order is in force in respect of the debtor,
208 G.—(1) A moratorium commences on the effective date for a debt relief order in relation to each qualifying debt specified in the order (“a specified qualifying debt”).
(a) has no remedy in respect of the debt, and
(b) may not—
(i) commence a creditor’s petition in respect of the debt, or
(ii) otherwise commence any action or other legal proceedings against the debtor for the debt,
(a) stay the proceedings on the petition, action or other proceedings (as the case may be) , or
(b) allow them to continue on such terms as that court thinks fit.
208 H.—(1) The moratorium relating to the qualifying debts specified in a debt relief order continues for the period of one year beginning with the effective date for the order, unless—
(a) the moratorium terminates early; or
(b) the moratorium period is extended by the official receiver under this Article or by the High Court under Article 208 M.
(a) carrying out or completing an investigation under Article 208 K;
(b) taking any action he considers necessary (whether as a result...