Been to the ombudsman about a couple of specific complaints - the fraudulent misrepresentation/mis-selling complaint was out of time. The inclusion of the HLC after the contract was signed was ruled against us because the ombudsman felt it was fair to say that knowing that it was going to be applied wouldnt have influenced our decision to go ahead with the mortgage. Just uploading a complaint about the deliberate withholding of information from 2 DSAR requests
What are the criteria for it being heard by a judge?
The actual process is straightforward but given that we are victims of fraud and that is what is putting us in this position we need to find a way
A way to get this to trial
The criteria is just you need to prove that you owe more than £750
So as long as you owe more than £750 you can go bankrupt
Does that clarify?
Sadly I think if the Ombudsman has found against you, you may be stuck
The financial ombudsmen hasn't ruled against us on the matter of fraud - that complaint was out of time.
Unfortunately you haven't really answered the question. You have started the criteria for being declared bankrupt and not explained how to make sure that it gets seen by a judge. I think that this is possibly too complex to discuss in this manner.