Bankruptcy review summaries 2025-26

Review 1

Review 1 

Scenario

The debtor asked for a review of the trustee's decision not to grant his discharge. He claimed that the trustee’s opinion that he hadn’t cooperated was utter rubbish and they were the ones who were at fault. He asked that the decision be overturned, and his discharge granted. Representations were received from the trustee. The trustee confirmed that they had issued the Form 2 to the debtor on 3 separate occasions but he had failed to complete and return it. They agreed to send the form again and advised that they would reconsider discharge when this was returned. The reviewing officer conveyed this message to the debtor, but he failed to respond. 

Decision

The reviewing officer confirmed the trustee’s original decision, and the debtors discharge was not granted.

Review 2

Review 2 

Scenario

The debtor asked for a review of the trustee's decision not to grant his discharge. He claimed that he had provided the trustee with copies of his bank statements, filled out the income and expenditure form and provided his contract of employment to the trustee. Representations were received from the trustee. The trustee confirmed that they had received the completed income and expenditure form but had only received one bank statement. This statement did not verify the debtor’s claimed essential expenditure. 

Decision

The reviewing officer confirmed the trustee’s original decision, and the debtors discharge was not granted.

Review 3

Review 3 

Scenario

The debtor asked for a review of the trustee's decision not to grant his discharge. He claimed that following COVID-19, new Brexit rulings and personal health problems his business was badly affected resulting in him having to obtain a government bounce back loan. The debtor said that this situation had been hanging over him for several years and the decision not to discharge him had come as a shock. The trustee provided their response to the review. They said that the debtor had provided no details on the Bounce Back Loan or been able to evidence that it had been used for business purposes.

Decision

The reviewing officer confirmed the trustee’s original decision, and the debtors discharge was not granted.

Review 4

Review 4 

Scenario

The debtor asked for a review of the trustee's decision not to grant his discharge. He claimed that he had attended every interview that his trustee had asked him to attend i.e. none. He advised that he had returned all of the documentation that he had been asked to send. The trustee responded to the review. When arriving at their decision the reviewing officer referred to a previous review request from the debtor. In that review the reviewing officer said ’to allow your trustee to reconsider if you should be discharged you should liaise with them to arrange a telephone interview’. The debtor didn’t follow up on this.

Decision

The reviewing officer confirmed the trustee’s original decision, and the debtors discharge was not granted. 

Review 5

Review 5 

Scenario

The debtor asked for a review of her trustee’s decision not to grant her discharge. She said that she had fully cooperated with her trustee and that any miscommunication was as a result of personal issues she had been facing. The trustee confirmed that the debtor had not completed statutory forms or made payments towards their DCO.

Decision

The reviewing officer confirmed the trustee’s decision and the debtors’ discharge was not granted.