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  1. I have several questions relating to voluntary arrangements, bankruptcy, CCJs and how I feel the system has compounded my own personal situation and has prolonged my credit issues following discharge from Bankruptcy in 2008. My first is about getting a CCJ removed from my credit history, hopefully someone here will have some experience on this and be able to advise on my chances. In Mid April 2007 we closed our business and filed for Bankruptcy after a protracted attempt to get a PVA (Partnership Voluntary Arrangement) in place and on the advice of our IP. We were given a court date of late July! During this time we were continually pursued by creditors including the Inland Revenue, who we informed of our circumstances. However on the 12th of July, 14 days before our bankruptcy court date, the inland revenue took out a CCJ against us. It is my understanding that after applying for bankruptcy we should not make any payment to a creditor as this would be seen as preferential/unequal treatment (interestingly, our initial PVA was rejected by the Inland Revenue for the very same reason!). The revenue were informed of our BR application and bankruptcy hearing date and would obviously know that we could not make a payment so I do not feel it was justified for them to take the action that they did. Also, if our hearing date had not been delayed for so long due to court backlogs in our area then this CCJ would not have been taken out at all - i.e. if our court date had been immediate or set for a week or so after our application, as one might expect(?) then a lot of anguish, complications and this CCJ could have been avoided. Instead we had to wait 99 days to have our case heard!! Would I be able to request that the CCJ be removed on these grounds? And, would anyone be able to advise on the likelyhood of the appeal succeeding?
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