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Personal Insolvency Law in England and Wales: Debtor Advice, Debtor Education and the Credit Environment: Volume II - Appendices

John Paul Tribe
Kingston Law School

Leyanda Cocks
affiliation not provided to SSRN



Kingston Business School Occasional Paper, Vol. II, No. 62, July 2007

Abstract:     
This Personal Insolvency Project (PIP) research report is divided into three parts and two volumes. The three substantive parts are set out in Volume I and relate to the research areas of: (1) debtor advice, (2) debtor education, and, (3) the credit environment. Volume II contains all of the appendices pertinent to the three sections and the bibliography.

The three areas that are examined in this report first came to the fore as points for consideration following the publication of the BCS. It was concluded following that report that a further investigation into areas impacting on personal insolvency should be investigated. This report is a further investigatory exercise. In essence, the major participants in the personal insolvency arena and the causes of the recent upsurge in personal insolvency usage were to be investigated, thus hopefully resolving the extremely important question of: what or who is responsible for the recent upsurge in insolvency procedure usage? This question, inter alia, has been addressed within this report.

The three report sections include, inter alia, an examination of the advice function and general practices of debt solution companies (Part I), and an examination of the attitudes, procedures and approach of major credit providers to the law of insolvency (Part III). A resounding theme from the BCS was the lack of financial literacy amongst the respondents. As there has hitherto been a lacuna in English insolvency scholarship regarding debtor education it was decided that this should be addressed (Part II). There are obvious synergies between the three parts of the report. These are discussed in the main body and conclusions.

Keywords: personal insolvency, bankruptcy, debtor, credit, creditors, debtors, individual voluntary arrangement, IVA, credit environment, banks, debt advice, debtor education

JEL Classifications: bankruptcy

Accepted Paper Series

Date posted: April 22, 2009 ; Last revised: April 22, 2009

Suggested Citation

Tribe, John Paul and Cocks, Leyanda, Personal Insolvency Law in England and Wales: Debtor Advice, Debtor Education and the Credit Environment: Volume II - Appendices (January 16, 2009). Kingston Business School Occasional Paper, Vol. II, No. 62, July 2007. Available at SSRN: http://ssrn.com/abstract=1393312


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Contact Information

John Paul Tribe (Contact Author)
Kingston Law School ( email )
Kingston Hill
Kingston upon Thames
Surrey KT2 7LB
United Kingdom
020 8547 2000 (Phone)
HOME PAGE: http://business.kingston.ac.uk/staff.php?userid=KU31953
Leyanda Cocks
affiliation not provided to SSRN ( email )
Feedback to SSRN (Beta)


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