Breathing Space Scheme

The debt respite or breathing space scheme gives a debtor legal protection from creditors for 60 days, with most interest and penalty charges frozen, and enforcement action halted. This presents a small window of opportunity for you to seek debt advice.

Check if you qualify

Home > Debt Solutions > Debt Respite Scheme

This Guide Includes

1. The breathing space scheme

2. What are the advantages

3. What are the eligibility criteria?

4. What type of debts qualify?

5. What happens during the scheme?

6. Access the breathing space scheme

Get Debt Help Now

What is the Breathing Space Scheme?

Under the scheme, people will be given legal protection from their creditors for 60 days, with most interest and penalty charges frozen, and enforcement action halted. They will also receive professional debt advice to design a plan which helps to get their finances back on track.

Get Breathing Space

Our team of advisers are here to support and advise you every single step of the journey. Our aim is to help you put in place a long-term solution that works for you, not just a temporary fix.

Check if you qualify

What are the advantages of the Breathing Space Scheme

  • 2 month or 60-day of relaxation
  • Breathing space will protect debtor’s against enforcement action from creditors
  • Creditors cannot make any repayment demands during Breathing space
  • During this period the debtors can consult with debt advisors to explore their options
  • For people suffering from mental health and receiving treatment from the NHS, the Breathing space scheme will continue until the end of their treatment.
  • During the Breathing space scheme period any interest or charges will be frozen while they get new debt solution in place.

What are the eligibility criteria for Breathing Space Scheme?

To qualify for a breathing space, debtors will have to meet certain conditions. They must be in problem debt and: live in England or Wales and not have any of the following:

What type of debt qualifies for the Breathing Space Scheme?

Most debts are likely to qualify for a breathing space, including:

  • Mortgage/rent arrears.

However, the following debts and liabilities are excluded:

  • Secured debts (eg mortgage, hire purchase, etc.) – only arrears on these debts that exist at the date of application are eligible for a breathing space
  • Debts accumulated as a result of fraudulent activity
  • Fines imposed by a court due to an offence (not including penalty charge notices eg parking tickets)
  • Child maintenance
  • Student loans
  • Damages for death/personal injury caused to another person
  • Council tax that has not yet fallen due (council tax that is due or overdue does qualify).

What happens during the Breathing Space Scheme

Creditors will receive a notification that a debt owed to them is in a breathing space, and will be required to drop all action relating to that debt for the period the breathing space is in force. This includes stopping any interest, fees, penalties or charges and ceasing any enforcement or recovery action.

Access Debt Respite (Breathing Space Scheme)

If you would like to access the Breathing Space Scheme. Please contact us as soon as possible.  Our expert advisers will give you advice and provide you with all the relevant information needed.

Call now on 0800 121 48 63 or use the contact form on this page.

Note: The breathing space scheme can only be accessed through qualified debt advisers such as ourselves.

Reviews & Testimonials

Ellen Kennedy
Refresh 100% recommend Been with Refresh for few years now, it has helped me greatly reduce my debts and il be debt free in few more years, Alison has been amazing and has taken a lot of stress off me I 100% recommend this company if ur struggling with debt, literally so easy and no hassle just give them a ring!!
Patricia Cooper
Spoke to Emma today who talked me… Spoke to Emma today who talked me through the process and what options were available to me , she was friendly , helpful and put me at ease I felt as though a weight had been lifted , if ever you find yourself in a rut I highly recommend you call these people .
Keith was very helpful explained… Keith was very helpful explained everything to me, i would recommend anyone who is stuck in rut to speak to keith or anyone from your company.
Maria Kane
Keith was excellent Keith was excellent. Really put my mind at ease and a great help.
Refresh, great advice and help The people at Refresh are very helpful, things are explained simply and any issues resolved promptly. They listen to you, are very understanding and your circumstances are always taken into account when advice is given. I couldn't recommend them enough.
Leanne Torr
Spoke with Ryan and feel alot better… Spoke with Ryan and Emma feel alot better put you at ease thank you again will be debt free in just over a year feel loads better already 😊
Very supportive and knowledgeable. Very supportive and knowledgeable.
Very pleased with Niall and his team I… Very pleased with Niall and his team I was introduced to this company when I was at a very low point in my life felt I was getting nowhere with creditors constantly bombarding me with bills Niall got to work straight away and it was like a big weight lifted off my shoulders one easily affordable monthly payment for around 28 months Now I’ve just completed my payments and a brand new me thanks team
Absolutely brilliant take care of all… Absolutely brilliant take care of all my needs very professional and highly recommend
katie cadle
Amazing Amazing. I'm not the best person to try and help as I've got autism but they stayed calmed and helped me with everything I need. Thank you again for all your help

News, Updates & Events

Buy Now, Pay Later – The New Debt Trap?

Buy now pay later (BNPL) has taken the online shopping scene by storm thanks to platforms like Klarna, Clearpay and Laybuy. Banks, both traditional and disruptors, are also embracing this type of lending with products like Monzo Flex and Barclays Partner Finance.

Read more

Debts Solutions & Advice

There are a number of debt solutions available. Further information on each can be found in the links below. Please be aware each solution has advantages and disadvantages.