Member

My noble friend asked what we can do to make waivers more accessible and raised Northern Ireland. I will look into the comparisons with Northern Ireland, but let me explain what happens at the moment and I will see where that takes me. All our communications advise individuals to get in touch with debt management regarding any concerns, and then all the things I have described around possible changes of period, reductions in amounts and temporary suspensions can happen. In exceptional circumstances, a waiver can be considered, but waivers are exceptional.