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;
gohirio taliadau, moratoriwm mewn perthynas ag unrhyw ddyled, dirwyn i ben, diddymu, mynd i ddwylo gweinyddwyr neu ad-drefnu (gan ddefnyddio trefniant gwirfoddol neu fel arall); neu