When Is A Statutory Demand Deemed Invalid?
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- Gwen Phillips
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1 When Is A Statutory Demand Deemed Invalid? Introduction A statutory demand is an important step in the bankruptcy process, as it allows the creditor to initiate a bankruptcy application against the debtor. It is thus vital that any statutory demand issued must conform to the legislative requirements. In the recent case of Ramesh Mohandas Nagrani v United Overseas Bank Ltd [2015] SGHC 266, the Singapore High Court had to decide whether to set aside a statutory demand based on alleged irregularities in its contents, and touched on what makes a statutory demand invalid. The statutory demand in this case was successfully upheld by Rebecca Chew and Ang Siok Hoon from Rajah & Tann Singapore LLP. Statutory Demands A statutory demand is essentially a written notice from a creditor to a debtor, informing the debtor that bankruptcy proceedings may be initiated if payment is not made. The form of a valid statutory demand is provided for in the Bankruptcy Rules, which also lists out a series of requirements as to the content and information. The content of a statutory demand should include: (i) (ii) (iii) (iv) The amount of debt as of the date of the demand; Any interest, penalties or charges; The consideration for the debt or the way the debt arose; and The nature of value of any property or security of the debtor held by the creditor. A statutory demand should also contain the following information: (i) (ii) (iii) (iv) (v) The purpose of the demand and notice that bankruptcy proceedings may be commenced if compliance is not forthcoming; The time frame within which compliance should occur; The methods of compliance; The debtor s right to apply to court to set aside the statutory demand; and The contact information of the individuals whom the debtor should communicate with. Brief Facts The present case involved a statutory demand issued by the defendant Bank to the plaintiff Debtor. The debt arose from guarantees signed by the Debtor in respect of banking facilities extended by the Bank to three companies, of which the Debtor was the sole shareholder and the sole director. The Debtor applied to set aside the statutory demand, alleging that it did not comply with the requirements of the Bankruptcy Rules. However, the High Court declined to do so. One of the grounds on which the Debtor relied was that the statutory demand stated the amount of debt as of 20 February 2014, when the statutory demand was dated 25 February The statutory demand also referred to a bankruptcy petition rather than a bankruptcy application as provided in the standard form. 1
2 The court rejected the Debtor s submission that, absent strict compliance with the requirements of the Bankruptcy Rules, a statutory demand would be rendered invalid. Rather, the court adopted a pragmatic approach, and looked to whether any substantial injustice arose from the irregularity in the statutory demand. Here, neither irregularity caused any injustice to the Debtor, and thus did not serve to invalidate the statutory demand. It was clear to the Debtor what he had to pay to discharge the statutory demand. The Debtor had also purchased a car under a hire-purchase agreement with the Bank. The defendant Bank did not make any demand pursuant to the hire-purchase agreement. The Debtor submitted that the car constituted property of his held by the Bank and, as such, the value of the car should have been included in the statutory demand. The court agreed that the Debtor held an option to purchase the car under the hire-purchase agreement and such option fell within the definition of property in the Bankruptcy Act. However, the court held that such property need not be included in the statutory demand for the following reasons: (i) The option to purchase was held by the Debtor and not the creditor; (ii) Only property which the creditor is entitled to apply towards payment of the debt claimed in a statutory demand need to be included. Finally, the Debtor submitted that there were substantial grounds on which the debt was disputed. However, the court did not view any of the submitted grounds as substantial. Therefore, the statutory demand was upheld. Concluding Words Although the decision is pending appeal, there is some guidance to be found in the approach taken by the court. Debtors are often inclined to dispute the validity of a statutory demand in order to stave off bankruptcy proceedings. However, the court has demonstrated that simple irregularities in the form of a statutory demand are insufficient to warrant invalidity. Further, any dispute over the underlying debt must have a sufficiently strong basis in order to set aside the statutory demand. Banks and creditors should nonetheless be aware of the requirements of a statutory demand as listed in the Bankruptcy Rules. Creditors should always seek to conform to these requirements in order to avoid any dispute over the statutory demand, and to avoid having the statutory demand potentially set aside. Parties wishing to consult on statutory demands or other bankruptcy issues may contact our team below. 2
3 Contacts Rebecca Chew Partner D (65) F (65) rebecca.chew@rajahtann.com Ang Siok Hoon Partner D (65) F (65) siok.hoon.ang@rajahtann.com Please feel free to also contact Knowledge and Risk Management at eoasis@rajahtann.com ASEAN Economic Community Portal Ahead of the launch of the ASEAN Economic Community ( AEC ) in December this year, businesses looking to tap the opportunities presented by the integrated markets of the AEC can now get help a click away. Rajah & Tann Asia, United Overseas Bank and RSM Chio Lim Stone Forest, have teamed up to launch Business in ASEAN, a portal that provides companies with a single platform that helps businesses navigate the complexities of setting up operations in ASEAN. By tapping into the professional knowledge and resources of the three organisations through this portal, small- and medium-sized enterprises across the 10-member economic grouping can equip themselves with the tools and knowhow to navigate ASEAN s business landscape. Of particular interest to businesses is the "Ask a Question" feature of the portal which enables companies to pose questions to the three organisations which have an extensive network in the region. The portal can be accessed at 3
4 Our regional presence Our regional contacts RAJAH & TANN Singapore RAJAH & TANN REPRESENTATIVE OFFICE China Rajah & Tann Singapore LLP 9 Battery Road #25-01 Straits Trading Building Singapore T F sg.rajahtannasia.com Rajah & Tann Singapore LLP Shanghai Representative Office Unit , Shui On Plaza, 333 Huai Hai Middle Road Shanghai , People's Republic of China T F cn.rajahtannasia.com R&T SOK & HENG Cambodia RAJAH & TANN NK LEGAL Myanmar R&T Sok & Heng Law Office Vattanac Capital Office Tower, Level 17, No. 66 Preah Monivong Boulevard, Sangkat Wat Phnom Khan Daun Penh, Phnom Penh, Cambodia T / 113 F kh.rajahtannasia.com *in association with Rajah & Tann Singapore LLP Rajah & Tann NK Legal Myanmar Company Limited Office Suite 007, Inya Lake Hotel No. 37, Kaba Aye Pagoda Road, Mayangone Township, Yangon, Myanmar T / / F mm.rajahtannasia.com 4
5 ASSEGAF HAMZAH & PARTNERS Indonesia RAJAH & TANN Thailand Assegaf Hamzah & Partners Menara Rajawali 16th Floor Jalan DR. Ide Anak Agung Gde Agung Lot #5.1 Kawasan Mega Kuningan, Jakarta 12950, Indonesia T F * Assegaf Hamzah & Partners is an independent law firm in Indonesia and a member of the Rajah & Tann Asia network. Rajah & Tann (Thailand) Limited 973 President Tower, 12th Floor, Units 12A-12F Ploenchit Road, Lumpini, Pathumwan Bangkok 10330, Thailand T F th.rajahtannasia.com RAJAH & TANN Lao PDR RAJAH & TANN LCT LAWYERS Vietnam Rajah & Tann (Laos) Sole Co., Ltd. Phonexay Village, 23 Singha Road, House Number 046/2 Unit 4, Saysettha District, Vientiane Capital, Lao PDR T F la.rajahtannasia.com Rajah & Tann LCT Lawyers Ho Chi Minh City Office Saigon Centre, Level 13, Unit 2&3 65 Le Loi Boulevard, District 1, HCMC, Vietnam T / F CHRISTOPHER & LEE ONG Malaysia Hanoi Office Lotte Center Hanoi - East Tower, Level 30, Unit 3003, Christopher & Lee Ong 54 Lieu Giai St., Ba Dinh Dist., Hanoi, Vietnam Level 22, Axiata Tower, No. 9 Jalan Stesen Sentral 5, Kuala Lumpur Sentral, Kuala Lumpur, Malaysia T F T F *in association with Rajah & Tann Singapore LLP Rajah & Tann Singapore LLP is one of the largest full service law firms in Singapore, providing high quality advice to an impressive list of clients. We place strong emphasis on promptness, accessibility and reliability in dealing with clients. At the same time, the firm strives towards a practical yet creative approach in dealing with business and commercial problems. As the Singapore member firm of the Lex Mundi Network, we are able to offer access to excellent legal expertise in more than 100 countries. Rajah & Tann Singapore LLP is part of Rajah & Tann Asia, a network of local law firms in Singapore, China, Lao PDR, Vietnam, Thailand and Myanmar, as well as associate and affiliate offices in Malaysia, Cambodia, Indonesia and the Middle East. Our Asian network also includes regional desks focused on Japan and South Asia. The contents of this Update are owned by Rajah & Tann Singapore LLP and subject to copyright protection under the laws of Singapore and, through international treaties, other countries. No part of this Update may be reproduced, licensed, sold, published, transmitted, modified, adapted, publicly displayed, broadcast (including storage in any medium by electronic means whether or not transiently for any purpose save as permitted herein) without the prior written permission of Rajah & Tann Singapore LLP. Please note also that whilst the information in this Update is correct to the best of our knowledge and belief at the time of writing, it is only intended to provide a general guide to the subject matter and should not be treated as a substitute for specific professional advice for any particular course of action as such information may not suit your specific business and operational requirements. It is to your advantage to seek legal advice for your specific situation. In this regard, you may call the lawyer you normally deal with in Rajah & Tann Singapore LLP or Knowledge & Risk Management at eoasis@rajahtann.com. at eoasis@rajahtann.com. 5
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