The Debt Respite Scheme (Breathing Space Moratorium and Mental Health Crisis Moratorium) (England and Wales) Regulations 2020

1. Introductory Text

2. PART 1 General provisions

   1. 1. Citation, commencement, extent and application

   2. 2. Interpretation

   3. 3. Meaning of debt advice provider

   4. 4. Debt advice provider fees and referrals

   5. 5. Qualifying debt

   6. 6. Moratorium debt

   7. 7. Effect of a moratorium

   8. 8. Extension of limitation periods because of a moratorium

   9. 9. Extension of other deadlines because of a moratorium

   10. 10. Existing legal proceedings at the start of a moratorium

   11. 11. Contact between creditor or agent and debtor during a moratorium

   12. 12. Agent appointed by creditor

   13. 13. Meaning of creditor by assignment

   14. 14. Creditor search for additional debt

   15. 15. Application of moratorium to additional debt

   16. 16. Applicant and debtor obligations

   17. 17. Creditor’s request for review of a moratorium

   18. 18. Review and cancellation of a moratorium as a result of a creditor request

   19. 19. Court application by creditor for cancellation of a moratorium

   20. 20. Provision of updated information to the Secretary of State to correct mistakes and inaccuracies

   21. 21. Death of debtor during a moratorium period

   22. 22. Disclosure of information

3. PART 2 Breathing space moratorium

   1. 23. Application for a breathing space moratorium

   2. 24. Debtor eligibility for a breathing space moratorium and debt advice provider obligations

   3. 25. Initiation of breathing space moratorium

   4. 26. Duration of breathing space moratorium

   5. 27. Midway review and cancellation of breathing space moratorium

4. PART 3 Mental health crisis moratorium

   1. 28. Meaning of mental health crisis moratorium

   2. 29. Application for a mental health crisis moratorium

   3. 30. Debtor eligibility for a mental health crisis moratorium and debt advice provider obligations

   4. 31. Initiation of mental health crisis moratorium

   5. 32. Duration of mental health crisis moratorium

   6. 33. Request by a debt advice provider for information about a debtor’s receipt of mental health crisis treatment

   7. 34. Cancellation of mental health crisis moratorium

5. PART 4 Debt respite scheme administration

   1. 35. Electronic system maintained by the Secretary of State

   2. 36. Information about a debtor held on the register

   3. 37. Notifications provided to and by the Secretary of State

   4. 38. Non-disclosure of a debtor’s usual residential address

   5. 39. Electronic system malfunction

6. PART 5 Supplemental

   1. 40. Review

7. Signature

8. Explanatory Note