a moratorium in respect of all or any of your debts or assets or a composition or an agreement with your creditors is agreed, applied for, ordered or declared;
bod moratoriwm mewn perthynas â’r cyfan neu unrhyw un o’ch dyledion, neu fod compównd neu gytundeb gyda’ch credydwyr, wedi’i gytuno, ei orchymyn neu’i ddatgan;