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Thank you for the clear and concise answer stating the black & white of the law, I appreciate your time in explaining it, I was hoping for something a little grey in between are there no mitigating circumstances I can appeal with. I have nearly 15k to pay if I wish to annul my bankruptcy which was forced upon me for just 3k had I an option for IVA it would be much easier for me. I accept it is better to be informed rather than bark at the wrong tree
It seems so imbalanced that the Banks failed, they were effectively bankrupt bailed out with tax payer’s money and no intervention of an official receiver to monitor or control them.
I appreciate your point of law that penalties are not taxes but when you are oppressed by a government with duel rules it is seems just a legal play on words just more excessive taxes without no protection from our law, more criminals will naturally develop from treating everyone like criminals, the more you punish the more counter effective that punishment becomes.
Penalties are the fuel for hostility, resent, riot and revolt, creating legal change has no correlation with moral change
Now I feel like a dog with no bone and no tree to bark at!