Overview of filing your claim

If you are owed money by a bankrupt person, person in a Debt Repayment Order, or company in liquidation, you need to file a claim. Otherwise you will not receive any payments that may be made from the estate. The easiest way to do this is online. 

Using the online claim system you can:

  • Search the free public registers to see if the person/company that owes you money is bankrupt or in a DRO or NAP or liquidation
  • File your claim
  • Receive instant confirmation that your claim is registered
  • Update your contact details
  • View progress updates on the estates where you have lodged a claim
  • Change or withdraw your claim
  • Provide evidence for your claim

Realistic expectations

You are likely to get at least some of the money you are owed from a Debt Repayment Order, but not from a No Asset Procedure.

You may, or may not, get some or all of your money back from a liquidation or bankruptcy. It depends on the circumstances of the individual case.

It takes time to complete the administration of the estate. For example, it often takes up to 3-5 years to complete a Debt Repayment Order.

You won't have any chance of recovering money owed to you if you don't file a claim in a bankruptcy or DRO.

You need to be able to prove you are owed money. It's important you provide evidence for your claim. 

You must take your own action - either through a debt collection agency or by other means - to recover any debt you are owed by someone who is not listed on the public registers. If the company that owes you money is not listed, try searching the Companies Register to see if another liquidator has been appointed.

How to file a claim

The easiest way to file a claim is online. You need to be a registered user. If you already have a username and password, go to the do it online page.

  1. Log in
  2. Find the debtor: 
  3. Click on the debtor’s name. Then click on Register a Claim at the top of your screen. 
  4. Fill in the details of your claim and attach your evidence. Click Submit to file the claim.
  5. You will get an email confirming your claim has been registered. 

You can also file claims on behalf of others by setting up a creditor register. This type of account might be relevant if you are on a collection agency and want to register claims on behalf of your clients.

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What evidence do I need to provide?

You will need to provide documents to show you were owed money at the date when the person became bankrupt or entered the DRO or the company was placed into liquidation. You are entitled to include interest on your claim up to the date of insolvency in accordance with any credit contract or loan agreement you entered into with the debtor. You can’t add interest or penalties after this date. Examples of evidence include:

  • copies of loan agreements
  • court orders
  • invoices.

The amount shown in your evidence should be the same as the amount you are claiming.

Setting up an organisation account

If you want to file claims on behalf of a company or organisation, you need to link your personal user account to the organisation account. The system will automatically make you the administrator of that account. You will then be able to create branches, add other users or add another administrator.

To set up an organisation account:

  1. Under the Do it online tab, select Create account.
  2. Enter your details. All fields marked with a red asterisk * are mandatory.
  3. Click on the tick box at the bottom of the screen to link your registration to an organisation.
  4. Enter the organisation details. Once complete, select Submit.
  5. Choose a user name, password, and a secret question in case you forget your password.
  6. Click Save.
  7. You will then be sent an email that includes an activation link. Click on this hyperlink.
  8. Verify your name and email address, then enter your username and password.

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Adding a branch to your organisation

You can either add other users directly to your organisation account, or you can create branches within the account. Branches are optional, but they can be useful if your organisation has different business areas or locations.

To add a branch:

  1. Log in to your account using the button in the top right hand corner of the website.
  2. Select Maintain branches from the My online services tab.
  3. Click on the Add button.
  4. Complete the details in the fields marked with a red asterisk and select Submit.
  5. You should now be able to see the branch you have added on your list. To add another branch, select Add.

Adding users to your branch or organisation

To add a user to one of your branches or to the organisation account:

  1. Log in to your account using the button in the top right hand corner of the website.
  2. Select Register user account from the Admin/security tab.
  3. Enter the details of the new person.
  4. Click Save if you want to add them to the organisation account, or select a specific branch from the drop down list then click on Save.
  5. You will see a box confirming that the details have been saved and an activation code will be emailed to the new user.

Updating your organisation account

If your organisation’s details change, you can update them in our system.

  1. Log in to your account using the button in the top right corner of the website.
  2. From the My online services tab click on Update organisation details.
  3. Update your details and click Save.

Once you have saved the changes, click on the Home button to continue using our online services.

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Updating individual user accounts

To remove a registered user who is linked to your organisation:

  1. Log in to your account using the button in the top right corner of the website.
  2. Select Search user accounts from the Admin/security tab.
  3. Enter the name of the user and click on Search.
  4. Tick the box next to their name and select Remove.

Setting up a creditor register

If your organisation lodges claims on behalf of more than one creditor, you can create a creditor register. 

  1. Log in as the administrator.
  2. From the My Online Services tab, select Creditor register.
  3. Select the Add button. Specify if the creditor is an organisation or individual and enter their details. Click Submit to save your changes and return to the main screen.

View, amend or withdraw your claims

You can only amend or withdraw a claim using the original login account it was registered under. If this is not possible, contact our Contact Centre on 0508 467 658 for assistance. 

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Viewing your claims

  1. Log in to your account using the button in the top right corner of the website.
  2. Go to the My Online Services tab and select List Claims.
  3. Enter your search options and select whether you are searching for claims made by you, your branch or organisation.
  4. A summary of your claims and their current status will be displayed when you click on Search.
  5. Select the Claim type hyperlink to view the full details of your claim.

Amending your claims

  1. Follow the steps to View your claims and select a specific claim by clicking on the blue hyperlink.
  2. You can change any of the fields that are not greyed out.
  3. Click on Save before exiting the screen.

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Withdrawing a claim

  1. Follow the steps to View your claims and select a specific claim by clicking on the blue hyperlink.
  2. Click on the Withdraw claim button.
  3. Enter the reason for withdrawal in the box that appears and click on Submit.

View additional information and documents

Once you have filed an online claim, you can see additional information about the estate. This information is likely to include asset and claim details, reasons for bankruptcy and the likelihood of dividend. Documents such as Creditor Reports and Discharge Certificates may also be available. 

This information will be available 25 working days after a debtor becomes bankrupt. If you have filed a claim online:

  1. Log in and select Search Insolvency Register from the Do it online tab.
  2. Enter the name or estate number for the bankrupt person or company name and click on Search. A list of insolvency records matching your search criteria will be displayed.
  3. Click on the blue hyperlink of the estate you have filed a claim against, and then click on the More Info button.