What Is The Breathing Space Scheme?

( Replace iva, debt management section )
Under the scheme, you will be given legal protection from your creditors for 60 days, with most interest and penalty charges frozen, and enforcement action halted. You will also receive professional debt advice from a regulated advisor to design a plan which helps to get your finances back on track. Our team of advisers are here to support and advise you every single step of the journey to debt freedom. Our aim is to help you put in place a long-term solution that works for you, not just a temporary fix.


If you pass the eligibility checks, your creditors won’t be able to add interest or fees to your debts, or take enforcement action, for 60 days.

To be eligible you must:

Live in England or Wales
Owe at least one qualifying debt to a creditor
Have not used Breathing Space over the past 12 months
Are not in a debt relief order, IVA, interim order or undischarged bankruptcy.

Debts qualifying for breathing space include:

  • Credit card / store cards
  • Personal Loans
  • Payday Loans
  • Overdrafts
  • Utility bill arrears
  • Mortgage rent / arrears
  • Overdue council tax
  • PCN and parking tickets

Simply call an advisor or apply online today. We’ll recommend the best solution for your situation and let you know if you’re eligible to apply for the Breathing Space scheme.

Breathing Space could help relieve some of the pressure of dealing with creditors, and provide protection from interest and fees for 60 days. This should give you time to get debt advice and set up a solution to deal with your debts. If you want to get free debt advice, simply call 0330 122 6351 and you could apply for Breathing Space to take the pressure off while you get the help you need.