Written Question·Treasury·UIN 96332

Debt Respite Scheme

Tabled: 2 December 2025
Answered: 10 December 2025

Question

Rebecca Paul

ConservativeReigate

To ask the Chancellor of the Exchequer, what assessment she has made of the effectiveness of safeguards in the online application process for the Breathing Space debt respite scheme in preventing fraudulent or duplicate applications by the same individual

Answer

Lucy Rigby
The 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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