A Second Bankruptcy: 1921

Sadly, in the July of 1921, James Ryan Caddy, iron moulder of the Avonside Foundry in Northam is hit a second time with bankruptcy. He has a family of 14 children, the youngest seven being at home, and their ages ranged from 7 to 14 years. His only income now was his salary of £3.10s a week.


James Caddy, senior, an iron and brass moulder, of Northam, was examined. He said he owed to 15 unsecured creditors £221 and to one fully secured creditor £100. His only tangible assets were his furniture valued at £1o. He arrived in the State in 1885, having resided in Perth, Fremantle, and Northam, and having always followed his occupation of a moulder. In 1903 he was in partnership with one Henly, trading as the Avonside Ironworks. Following on some litigation, the partnership was dissolved. He then found himself to be £328 in debt and he then filed his petition. He had since practically discharged all those liabilities. Last November he called a meeting of his creditors, consequent upon the pressure of a creditor who had sold some jewellery on the time payment system to a daughter who was a minor, and who was away at Wagin. He had taken out certain patent rights and confidently believed they would enable him discharging all his liabilities in full. He had a family of 14 children, the youngest seven being at home, and their ages ranged from 7 to 14 years. His only income now was his salary of £3. 10s a week. The only prospect he had of paying his liabilities was the successful materialisation of his patent sleeper. The examination was adjourned for one week.

Ref: [The Daily News (Perth, WA : 1882 – 1950), Wednesday 26 July 1916, page 8]

Re James Caddy, Senior.

James Caddy, senior, stated that his lia bilities to unsecured creditors amounted to £221, and to one who was secured he was indebted to the extent of £100. This was the second time that he had sought the relief of the Court, but none of his present liabilities had any connection with his previous bankruptcy. He had carried on busi ness with a partner, but following on some litigation the partnership was dissolved and finding himself to be in debt to the extent of £318 he filed his petition. He had some patent rights as a result of which he hoped to be able to discharge his liabilities. He had a family of 14, all told, seven of whom were dependent upon him and he had not received any financial assistance from those who were looking after themselves. His earnings as a moulder amounted to £3.10s. a week and he could rely only upon the success of his patent for an opportunity to satisfy his creditors. The Official Receiver warned the debtor that as an uncertificated bankrupt he could not go on incurring debts in the manner in which he had been doing. The examination was then adjourned.


Ref: [The West Australian (Perth, WA : 1879 – 1954), Thursday 27 July 1916, page 3]




The adjourned public examination of J. Caddy, a brass moulder, employed by Messrs. H. and H. Withnell, of Northam, was resumed. The Official Receiver said it would seem that debtor influenced three gentlemen, Messrs. Edmeades, Grave and Heale, to become guarantors for him in the National Mutual Association to the extent of £100, which he agreed to repay from his wages at £1 per week, to be secured by an order, upon his employers. For some reason or other, though his employers were willing to recognise that order, conditionally, the fact remained that no payments had been made under that order from his employers to these guarantors. Debtor said he personally made some payments to Mr. Edmeades, which he thought amounted to £40. Mr. Moss said he had rightly or wrongly, after going into the matter, concluded that it was impossible for Caddy to have paid anything of that £10O advance because he was already heavily embarrassed to his employers, and had been so situated until quite recently. There had always been substantial reductions from his wages owing to the financial obligations existing between himself and his employers. Debtor: I borrowed money from my employers to pay to Mr. Edmeades. The Official Receiver said he desired to investigate Messrs. Withnells’ wages book, and arrive at some more definite conclusions. At his instance the examination was adjourned until September 27.

Ref: [The Daily News (Perth, WA : 1882 – 1950), Wednesday 30 August 1916, page 4]

J. Caddy, brass moulder of Northam, was further examined more especially with reference to his failure to discharge his liability to three gentlemen who had become his guarantors to the National Mutual Life Association for the sum of £100, and at the instance of the Official Receiver the examination was further adjourned till September 27 next. The Court adjourned till Friday next.

Ref: [The West Australian (Perth, WA : 1879 – 1954), Thursday 31 August 1916, page 6]

All references from the newspapers have been obtained from Trove, digitised newspapers at the National Library of Australia.


About Jenny MacKay

Just a person who is looking forward to retirement and enjoying the golden years!
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