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Breathing Space Scheme: Consultation Response

The noble Baroness makes a very good point. There is a crucial role in this for an approved mental health practitioner, who could be a social worker or a GP with the relevant qualifications. The AMHP can say to the debt advice agency that this person has a debt problem and is unable to go through the whole process of putting together a plan. But they get a buy-in to the next round, in that their debts

are frozen, they enter the breathing space and they do not have to enter into a repayment plan until such time as the crisis is over and they are able to do so.

I take on board the noble Baroness’s point that we need to ensure, first, that there are enough approved mental health practitioners; and, secondly, that they know what to do if they meet somebody with a debt problem—to contact one of the debt advice agencies and get the breathing space.