Live issue · Phase 6

Crown hold & bankruptcy

UK routes, one step at a time: challenge the bankruptcy and resolve the restriction on the family home. This is where Mr Lake’s energy is focused now.

Live

Crown restriction still on the family home.

2016

Bankruptcy order — challenged on settled-debt grounds.

UK

Domestic remedies first — annulment and hold removal.

What is being pursued

Three connected tracks — each depends on the others being heard properly.

Crown hold

Still blocks sale and refinancing. Tied to the bankruptcy register on the title. Lifting it is the practical outcome Mr Lake needs at home.

Annulment

Mr Lake says the petition debt was paid before the bankruptcy hearing — grounds to reopen and remove the basis for the restriction.

Bank & mortgage

Active correspondence with the mortgage lender and related parties. Resolution on title and lending must align.

Why annulment matters

The bankruptcy order sits behind the Crown hold. Mr Lake’s position is that the underlying debt was already settled when the order was made — so the insolvency route should never have stood, and the title restriction should not remain.

That argument connects back to the civil claim phase: payment evidence he says was never properly before the court. Annulment is not a side issue — it is the hinge between Phase 4 and Phase 6 of the timeline.

Legal help needed

Mr Lake is 75. He cannot carry this alone. Barristers and solicitors with insolvency, property, and judicial-review experience are asked to read the lawyers page.

What a lawyer could do