Breathing Space Scheme

The debt respite or breathing space scheme gives a debtor legal protection from their creditors for 60 days, with most interest and penalty charges frozen, and enforcement action halted.

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This Guide Includes

1. What is the Debt Respite 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

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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.

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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:

  • A debt relief order (DRO)
  • An individual voluntary arrangement (IVA)
  • An interim order
  • An undischarged bankruptcy
  • Not already be in a breathing space or have had one in the past 12 months.

What type of debt qualifies for the Breathing Space Scheme?

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

  • Credit/store card debt
  • Personal loans
  • Payday loans
  • Overdrafts
  • Utility bill arrears
  • 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

Sandra Chambers
Will sleep tonight 😀 Spoke to two people a young lad to connected me to Laura and both were amazing , they made me feel at ease and explained everything in a way I could understand . The service was brilliant and I hope to continue to be debt free with their help .wish I had spoken to them sooner , thank you guys 👍👍👍
Mrs M
Emma was amazing. From starting to get help for my debts. Emma was amazing very helpful. didn't judge me at all. helped me with any questions or queries I have had. thankyou for all your help.
Wonderful service! If you are fortunate enough to deal with Keith you are in good hands! Wonderful guy and explains everything step by step and makes sure you’re fully understanding and on board. A huge weight lifted and all I had to do was send over my most recent statements. He did the rest.
Excellent What can I say, From the time I picked the phone up and rang the number, I felt at ease. The team help me. We talked all about my debts and my worries about money. Keith Help me from the start. What a top guy he is. I'm now on top of everything. I cant thanked them enough. They put a smile on my face.
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What can i say,Allison & the team at refesh have been fantastic from day one,they dealt with creditors & agreed a manageble monthly payment.which is paid to creditors every month.we wish you well for the future guys.. Thankyou so much..Edward J...
Stefan Vasilev
Great service very helpful information and advice many thanks!!
Jade Nadia
Great customer service and advice Keith was fantastic, although I didn’t have much debt his advice was great and I would recommend using this company if you are struggling. Also left me contact details in case I had other questions about finance. Thank you so much Keith! 🙂
A walking angel for those in debt, Keith walks you through each stages with ease and compassion, . My repayments are now significantly reduced all by one simple telephone conversation. Please do not hesitate to contact them and be able to breathe again.
Owen Dykes
Breaking a circle and lifting a weight There was a time I use to be scared of the mail coming through the door, worried about phone calls and knocks at the door, the added stress of carrying a big weight with me, every month worried on how I was going to pay for everything. I was stuck in a vicious circle of not been able to pay for my debts and missed payment charges just piling up, got to a point of either live or make a payment. I was stuck in a vicious circle of my own doing that was out of control and causing me undue worry and stress. Once I made contact with refresh debt that circle was broke and that weight lifted, their customer service is relaxed and makes you feel you are a person and not just another number on a spreadsheet some were, regular contact from someone who understands your situation and know how to help dealing with it, they are not interested in the past or how you got there but more interested in the future and to get rid of that big weight and stress. Would definitely recommend them to everyone.

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