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Number of Breathing Space registrations (18256) Metric type
- Help text
- This is the number of breathing spaces registered under the Debt Respite Scheme in an area. Breathing space data are sourced from the Breathing Space register, which is managed by the Insolvency Service. A breathing space can only be started by a debt advice provider who is authorised by the Financial Conduct Authority (FCA) to offer debt counselling or a local authority (where they provide debt advice to residents).
The Debt Respite Scheme (Breathing Space), launched on 4 May 2021, gives people legal protections from their creditors for 60 days, with most interest and penalty charges frozen, and enforcement action halted. Because problem debt can be linked to mental health issues, these protections are also available for people in mental health crisis treatment – for the duration of their crisis treatment plus another 30 days.
Qualifying debts include credit cards, store cards, personal loans, pay day loans, overdrafts, utility bill arrears, and mortgage or rent arrears. Exclusions are secured debts (like mortgages, hire purchase or conditional sale agreements), debts incurred from fraud or fraudulent breach of trust, court fines, obligations from a confiscation order, child maintenance, a crisis or budgeting loan from the social fund, student loans, death or personal injury damages, advance payments of Universal Credit, and council tax liabilities have not yet fallen due.
Postcode data were matched against the National Statistics Postcode Lookup (NSPL), to determine the region and administrative area of each individual. These data were then aggregated to produce counts of breathing spaces in each geographical area. The NSPL is derived from data from the Office for National Statistics (ONS) and Ordnance Survey. The national total will not match the totals for lower geophical areas, as this will include a small number of cases with unknown locations.
The first release of this publication is for the period 4 May 2021 to 30 April 2022.
- Modified
- 23 Aug 2022
- Data last updated
- 23 Aug 2022
- Short label
- No. of Breathing Space registrations
- Status
- Live
- Output precision
- 0
- Polarity
- a low value is good
- Measure
- Number
- Dataset
- Breathing spaces
- Source
- The Insolvency Service
- is found in the following lists
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