1. Not having advice - Judge asks you to get advice and return - quite common at Croydon CC
2. Forms being incomplete or filled out badly - Clerk may refuse to progress the paperwork - very common at the High Court
3. Where your assets outweigh your liabilities - Judge may request that you sell assets to pay for debts.
4. where the debt is very small and there may be a different solution better suited such as a debt relief order, an administration order or a very modest debt management plan