負債-解放する／自由な 事例／患者s on brink of 裁判／判断

By Alan O'sullivan
Updated: 15:35 BST, 10 December 2009

?

The 運命／宿命 of だいたい 100,000 borrowers who are trying to escape 支払う／賃金ing their 負債s will be known 早期に next year when an 影響力のある 実験（する） 事例／患者 is decided.

Lead the way: 法廷，裁判所s 全国的な may follow the precident 始める，決める in Manchester.

A Manchester High 法廷，裁判所 裁判官 is 推定する／予想するd to 発表する on January 7 the results of a 実験（する） 事例／患者 that may 始める，決める a 国家の precedent on when borrowers are する権利を与えるd to escape 返すing their 負債s.

The 事例／患者 has been heard to 解決する 論争s where borrowers 辞退する to 支払う／賃金 優れた 負債s on the grounds that 貸す人s have not 従うd fully with the 消費者 Credit 行為／法令／行動する, which 治める／統治するs 貸付金 協定s.

貸す人s can 違反 the 行為／法令／行動する in a number of ways but many borrowers have 辞退するd to 支払う／賃金 負債s because their 貸す人 has been unable to produce a 合法的に valid copy of the 初めの 貸付金 協定, something that is 要求するd under the 行為／法令／行動する.

There are a 予報するd 100,000 事例／患者s, of borrowers 試みる／企てるing to escape 負債s in ways 類似の to this, waiting to be heard in 法廷，裁判所s across the country, but there is 混乱 over what （警察などへの）密告，告訴（状） banks must 供給する their 顧客s to 妨げる 貸付金s becoming 'unenforceable'.

The 法廷，裁判所 決定／判定勝ち（する） will 確認する the circumstances under which 貸付金s become 無効の and borrowers can escape their 負債s.

At least 100 事例／患者s have been put on 持つ／拘留する in Manchester 未解決の the 結果, while dozens of 地方裁判所s across the country have followed 控訴.

A 一連の 事例／患者s were heard in the Manchester High 法廷，裁判所 last week that 演説（する）／住所d what 構成するs a 'true copy' of a 貸付金 協定. The 消費者 Credit 行為／法令／行動する 要求するs that a 貸す人 must produce this when requested by the borrower, but borrowers and 貸す人s have been in 論争 about what 構成するs a 'true copy'. (More on this below)

その上の 事例／患者s will be used to 調査する this on January 7, at which the 統括するing 裁判官 Waksman is 推定する／予想するd to give his 判決，裁定, によれば a 法廷，裁判所 公式の／役人.

How borrowers are trying to escap e their 負債s?

Over the past year （人命などを）奪う，主張するs 管理／経営 companies have been 約束ing to help borrowers to get out of their 負債s in 交流 for a 料金. Some have argued that this is possible if the 貸す人 cannot produce the 初めの 貸付金 協定.

However, the Office of Fair 貿易（する）ing (OFT) has stepped into the argument to 明らかにする the 支配するs.

It says the bank can produce a 'true copy' of the 初めの 協定 if it wishes, which is 簡単に an exact copy of the 言い回し of the 協定 調印するd at the time and which does not need to 含む／封じ込める the 顧客's 署名.

This will 満足させる the 必要物／必要条件s of the 行為／法令／行動する, but 貸す人s should not 嘘（をつく） about losing the 初めの 文書s and try to cover their 跡をつけるs by 偽のing a 'true copy', the OFT said.

The OFT said there have been instances of 貸す人s 供給するing 文書s that are more 最近の and that do not 反映する the 条件 and 条件s that were 調印するd by the 顧客 at the time they took the 貸付金.

However, the OFT 警告するd that borrowers should not rely too ひどく on such 専門的事項s excusing them from 返すing 負債s.

In 草案 指導／手引 for 会社／堅いs submitted to the Manchester High 法廷，裁判所 last week, the OFT said: 'Unfortunately, 消費者s have often been given an 誇張するd 期待 of what the creditor or owner must do ーするために 従う with an （警察などへの）密告，告訴（状） request, as a result of 誤って導くing （人命などを）奪う，主張するs by （人命などを）奪う，主張するs 管理／経営 companies and 不確かの （警察などへの）密告，告訴（状） on the internet.

'As a result, 非常に／多数の 論争s have been 生成するd over whether a request has 適切に been made, whether the 義務s have been 従うd with and whether as a consequence the 協定 can be 施行するd.'

The 文書 追加するd: 'It is important to remember that the 目的 of these sections is to 供給する （警察などへの）密告，告訴（状） to 消費者s, not to 供給する a method for 消費者s to 避ける 支払う／賃金ing their 負債s.'

This goes against a 最近の High 法廷，裁判所 事例／患者 between Philip McGuffick and 王室の Bank of Scotland, which said 貸す人s have the 権利 to 脅す 合法的な 活動／戦闘 if a 貸付金 is 実施できる and the 顧客 辞退するs to 支払う／賃金 up.

What are the chances of escaping my 負債s?

The chances of escaping your 負債s on the grounds that the underlying 貸付金 協定 is 'unenforceable' 予定 to 貸す人s 存在 unable to produce a true copy of a 貸付金 文書 are 高度に uncertain.

支持するs of claimants have argued that banks' 記録，記録的な／記録する-keeping has been shoddy and that in many 事例／患者s they 簡単に cannot 位置を示す the 訂正する 文書s.

However, even if a 貸す人 cannot produce a 'true copy' and 供給するs something that does not 従う with the 行為／法令／行動する, borrowers still have the 仕事 of 証明するing the 文書 供給（する）d is a unsuitable. （人命などを）奪う，主張するs 管理／経営 companies have （人命などを）奪う，主張するd they have 専門的知識 in 匂いをかぐing out erroneous 文書s, but their success cannot be 確かな .

Daniella Lipszyc, a solicitor who specialises in 財政上の 不正行為 事例／患者s at 法律 会社／堅い Ultimate 法律, said: 'It should be pretty simple for 貸す人s to 従う with this. All the true copy needs is the 訂正する credit 量, the credit 率 and the 初めの 条件 and 条件s. But they can only 供給する these if they have the 初めの 貸付金 協定 or know the 初めの 条件 and 条件s.'

Although it is hard to 予報する, she 見積（る）s only a small 割合 of 貸す人s will not be able to 従う, （判決などを）下すing only some underlying 貸付金s unenforceable.

Borrowers will still be able to 支払う／賃金 a （人命などを）奪う，主張するs 管理／経営 company to take on their 事例／患者 for at least £400, but it should be remembered that these companies do not do anything that individuals cannot do for themselves for 解放する／自由な.

Before 支払う／賃金ing a 会社／堅い to 追求する your 事例／患者, it may be 価値（がある） requesting your own 'true copy' of your 貸付金 協定 for a stautory 料金 of £1. If you are not satisifed after this, then a （人命などを）奪う，主張するs 管理／経営 会社／堅い may be able to help, although success is far from 保証（人）d.