An Overview of Fraud and Deception

In December 2009 I was called to court because a debtors petition had been submitted in my name. This
application for bankruptcy, usually used for businesses not individuals, had been submitted by John Wallace
who I had met at a conference earlier that year. He claims that he was trying to help me by submitting the
application, but besides the fact that I was solvent and did not want to be made bankrupt. The form was laden
with errors such as misspellings of my name and the use of my old address, and inaccuracies about my finances.
My attention to detail and accuracy is imperative to the core of my very being; however, the statement of affairs
is clumsily written and bears no relation to the question asked on the form. This is the first case of fraud: the
bogus application.
Once the debtors petition was submitted, it did not get checked. I asked the insolvency service: Are you not
bothered that I did not submit the debtors petition? They replied: It is the only form that weve got. They
continued to use the form as though it was legitimate. Therefore the procedures to make me bankrupt went
ahead. The insolvency service installed Matthew Chadwick, a self-employed accountant, as the insolvency
trustee. His job was to represent any creditors in the bankruptcy. He created a report listing six creditors to
whom it was said that I was indebted. I have worked at great length to demonstrate that none of these alleged
debts actually exist; here are some of my findings. This is the second case of fraud: the erroneous trustees
report.
One of the alleged creditors was John Lewis PLC. Apparently, due to unpaid debts on a store card another
bankruptcy had been made, using my initials, in 2002, seven years prior to the second bankruptcy. I had not
been aware of this bankruptcy until October 2010; I had never had a store card with any company including
John Lewis PLC. It seems likely that this bankruptcy was caused by identity theft, and as was said by Registrar
Baisier in court in May 2014, this situation is dubious and needs further investigation. The insolvency trustee
had done two deeply problematic things by bringing John Lewis PLC into this alleged bankruptcy. In Matthew
Chadwicks report of February 2010 he stated that he consented to the first bankruptcy, but in his witness
statement of May 2014 he states that he has no knowledge of the first bankruptcy. This is clearly not true.
Moreover, a trustee can only consent to a bankruptcy if there is a creditor, however John Lewis PLC cannot
substantiate their alleged claim. They say that they do not have any records of this claim and they are not
seeking any money from me.
Another of the alleged creditors named in Matthew Chadwicks report was Eversheds who work on behalf of
Santander. In 2008 Santander sent me a cheque for several thousand pounds. Seemingly this cheque was never
sent or it was lost in the post. When I requested a second cheque, it arrived and was legitimately cashed in
Barclays UK Plc. Santander claimed that I had cashed the cheque twice. They claimed that the second cheque
had been paid it into a Cheltenham and Gloucester account. I did not have such an account in 2008 and there is
no evidence to support Santanders story. This is the third case of fraud. In

March 2014 this part of the saga was
concluded by receiving a payment for stress and inconvenience from Santander UK Plc through the Financial
Ombudsman. This vindication adds authenticity to my defense. Although Santander and Eversheds have now
dropped their claim, Matthew Chadwick continues to seek monies in their name. Of course, as he is in charge of
apportioning the debtors money to any creditors, bogus claims like this one will mean that he benefits
financially.
Currently, I live in York, but prior to September 2009 I lived in Swiss Cottage, London. I owned a quarter-share
in an apartment there with Notting Hill Housing Association. Matthew Chadwick listed them as a creditor in his
report. Notting Hill Housing Association wrote to me clarifying that they have no claim in this alleged
bankruptcy. When I had left this apartment Notting Hill Housing Association was in full ownership of it, thus
they owed me the 42,231.30 from my equity. Notting Hill Housing Association claim to have given the money
to Matthew Chadwick. As the debtors petition had not yet been submitted when I left the apartment, this money
remains entirely separate to the bankruptcy. Moreover, I have never been given a receipt or invoice for this
dubious transaction which leaves me to think that this is a case of fraud by the Housing Association and the
insolvency trustee.
In the summer of 2012 I was housebound due to a broken electric wheelchair. I had informed the courts of my
situation but they arranged a hearing in my absence in July 2012. I was not represented and Matthew
Chadwicks barrister was able to make a number of false statements which went unchallenged. The barrister
stated that I used the apartment in Swiss Cottage as an alternative place to live, implying that if they took my
apartment in York from me that I would have somewhere to live. I had left that apartment and since it had been
said that the insolvency trustee was in possession of my equity, this was clearly false.
I have been in receipt of benefits from the Department of Work and Pensions (DWP) for all of my adult life.
The DWP informed me that they had been overpaying my benefits due to me working 16 hours per week when
their limit for work was 15hours and 59 minutes per week. I had been unaware of the precision of this limit and
did not realise it would lead to overpayment. The DWP said that I owed them 21,000. I am paying it back in
small instalments. Credit is related to deferred payment and it has to be based on a credit agreement, and if
defaulted they would qualify for 8% statutory interest and statutory interest does not apply in this case. Given
that bankruptcies are made with regards to businesses and goods and services, and that the DWP is not such an
organisation, they do not qualify as creditors in a bankruptcy. Moreover, they have sent me a letter stating that
they are not part of this bankruptcy however; Matthew Chadwick continues to misrepresent the DWP as a
creditor.
The London Borough of Camden are listed as a creditor as well. Being permanently exempt from the payment
of council tax, this alleged debt is easily disproven. Matthew Chadwick also listed Thames Water as a creditor
for unpaid water bills for the apartment in Swiss Cottage for the period of time after my co-ownership of the
apartment. Thames Water have stated in a letter that they are not seeking any payment from me. There is
nothing authentic in Matthew Chadwicks report yet it continues to be wrongly perpetuated.
As is apparent to all who look into the minutiae of this situation, I am being ridden over rough-shod by a
number of people, largely the insolvency trustee. There have been other small players in the saga such as
solicitors who took on more than they could chew, and hopeless care agencies providing less-than-adequate
support, and the courts clumsy behaviour around my physical disability and mental health problems. As a
vulnerable person, I consider myself to be doing excellently to be surviving in this kind of onslaught.






If any additional information is required, please contact:

Anastasia Tempest
38 Adventurers Court
Pond Garth
YORK
YO1 7ND

07958704983
anna_c_young@btinternet.com