Former tenant arrears policy

Debt Respite Scheme (Breathing Space)

9.1 The Government’s new ’Breathing Space’ period will freeze interest, fees and enforcement for people in problem debt, with further protections for those in mental health crisis treatment.

9.2 A 60-day breathing space period will see enforcement action from creditors halted and interest frozen for people with problem debt. During this period, individuals will receive professional debt advice to find a long-term solution to their financial difficulties.

9.3 Those receiving mental health crisis treatment will receive the same protections until their treatment is complete, in acknowledgement of the clear impact problem debt can have on wellbeing.

9.4 All requests for Breathing Space will be requested through The Insolvency Service.

9.5 When requests are made we will follow the government guidance.