You can complain to the Insolvency Service if you suspect someone who’s bankrupt or subject to bankruptcy or debt relief restrictions isn’t acting honestly.
If the Insolvency Service decides that your complaint is serious enough, it will carry out a confidential investigation.
If they find enough evidence, they may:
- try to recover undisclosed assets
- send a report to the relevant prosecuting or regulatory body (eg the police)
- ask a court to impose further restrictions
What can be investigated
The Insolvency Service must have reasonable grounds to suspect the person of misconduct. This includes:
- not disclosing or giving away assets
- causing significant harm to customers, suppliers etc (if they run a business)
- breaking the law, eg fraud
- breaking their restrictions (eg acting as a director of a company or obtaining credit)
The Insolvency Service won’t usually investigate complaints where there’s no public interest (eg a personal dispute).
How to complain
Get more information or report misconduct using the Insolvency Service’s Investigations Hotline.
You can also write to them:
Investigations and Enforcement Services
3rd Floor Cannon House
18 Priory Queensway
Provide as much information as you can when you complain.