Shelter e-bulletin – August 2019

By Isabelle (IMA) in on Aug 30, 2019

August 2019 e-bulletin update from the Shelter Specialist Debt Advice Service.

News and legal updates

  • DRO Newsletter – July 2019
  • Ombudsman News Issue 149
  • Insolvency Service insolvency statistics Q2 April – June
  • New ‘one month’ timescale for responding to a subject access request
  • Statutory Declarations in the Magistrate Court

Case law

  • FOS publish two decisions on unaffordable lending – Ref: DRN2108651 – borrower (Miss G)
  • Second application to annul a bankruptcy order is an abuse of process – Lambert v Forest of Dean District Council & Ors [2019] EWHC 1763 (Ch)
  • Court held judgment in default cannot be entered when the defence is served late – Clements Smith v Berrymans Lace Mawer Service Co [2019] EWHC 1904


This month’s Spotlight discusses circumstances where a tenant might still be liable for council tax after moving out.

Celebrating Success

This month’s success comes from Michael Agboh-Davison. With support from SDAS, Michael was able to argue that his clients’ loan was regulated by the Consumer Credit Act when taken out and therefore requested the court engage Time Order provisions. The result of the following court proceedings was £55,000 reduction in contractual interest and £12,000 written off in other charges and legal costs, with the claim for possession adjourned and the warrant discharged.

Download the Shelter e-bulletin August 2019


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