Written Question·Treasury·UIN 96331
Debt Respite Scheme
Tabled: 2 December 2025
Answered: 10 December 2025
Question
Rebecca Paul
Conservative — Reigate
To ask the Chancellor of the Exchequer, whether she has made an assessment of the potential merits of introducing a mechanism for creditors to seek redress where a Breathing Space certification has been incorrectly granted and financial loss has resulted.
Answer
Lucy RigbyThe Breathing Space Scheme gives debtors the space to engage with professional debt advice, or to receive crisis treatment for a mental health condition. A standard breathing space provides people in problem debt with protections from creditor enforcement...
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