Debt news and case law

24 November, 2022

Government decides not to lay regulations to implement its new Statutory Debt Repayment Plan for England and Wales this year as planned

Decisions on the future of the new debt solution will instead be based on the outcomes of the Insolvency Service review of personal insolvency framework

24 November, 2022

Bill to require energy companies to allow grace period before disconnecting customers with pre-payment meters receives first reading

Pre-Payment Meters (Self-Disconnection) Bill also requires energy companies to provide debt management support to all customers

22 November, 2022

Ofgem says that 17 of the biggest energy suppliers need to do more to help vulnerable customers this winter

Latest Market Compliance Review includes call for suppliers to improve their processes for identifying and supporting customers in vulnerable circumstances such as those on pre-payment meters who may be self-disconnecting

21 November, 2022

Terminal Illness (Support and Rights) Bill receives its second reading

Private Members' Bill makes provision to strengthen the employment rights of people with a terminal illness and to require utility companies to provide financial support to them

18 November, 2022

Only around two thirds of vouchers issued to prepayment meter customers under the Energy Bill Support Scheme have been redeemed

New management data shows that around 800,000 vouchers to the value of more than £55 million remained unredeemed at 1 November 2022

17 November, 2022

Energy Price Guarantee to be increased from £2,500 to £3,000 from April 2023 to March 2024

However, government also announces that it will provide further cost of living payments across the UK in 2023/2024, and that the alternative fuels payment will double to £200

9 November, 2022

Money advice charities issue joint guidance to essential services and finance firms on how to support more people with mental health problems to disclose their condition

New guidance explains how firms can encourage and support people to disclose a mental health problem and how to then effectively respond to and record the disclosure

7 November, 2022

High Court grants creditor’s application to take enforcement action in respect of a debt included in a mental health crisis moratorium

Brake & Anor v Guy & Ors [2022] EWHC 2797 (Ch)

7 November, 2022

Ensuring that heat networks in Northern Ireland pass on the benefits of the Energy Bill Relief Scheme for Non-Domestic Customers to their individual end users

New statutory instrument

4 November, 2022

FCA warns that most lenders are missing opportunities to highlight the benefits of independent, not-for-profit debt advice when borrowers make contact

Review of lenders’ treatment of borrowers also highlights instances where discussions about debt advice, when they happened at all, appeared to be a ‘tick box exercise’

4 November, 2022

Designation of energy price reduction scheme in Northern Ireland

New statutory instrument

4 November, 2022

Requiring landlords in Northern Ireland to pass benefits received from energy support schemes on to tenants

New statutory instrument

1 November, 2022

Regulations laid to enable government to deliver its energy price guarantee

Minister advises that majority of regulations are being laid using the 'made affirmative procedure' to 'ensure consumers receive the urgent support they require'

31 October, 2022

Ensuring that reductions in energy costs under the non-domestic Energy Bill Relief Scheme are passed on to those who have heating supplied through communal systems

New statutory instrument

26 October, 2022

Court of Appeal rules that where a debt, having been incurred in fraud, persists beyond discharge of bankruptcy, then the debtor can be ordered to revoke 'enhanced protection' pension rights in order that payments can be made to creditors

Bacci & Ors v Green [2022] EWCA Civ 1393

25 October, 2022

Money advice organisations call for abolition of IVAs as part of ‘complete overhaul’ of personal insolvency framework

Joint consultation response also calls for protection of debtor’s homes, and the removal of fees for bankruptcy and Debt Relief Orders

25 October, 2022

Higher proportions of people with a disability, ethnic minority populations and those on lower incomes report being behind with their energy bills, rent or mortgage payments

New cost of living survey data from the Office for National Statistics also highlights that the proportion of all adults finding it very or somewhat difficult to afford their bills has increased since Spring 2022

21 October, 2022

Continuation of the Warm Home Discount Scheme in Scotland until 2026

New statutory instrument

21 October, 2022

Welsh Government confirms that it will continue to use existing repayment period and threshold for student loans in 2023/2024

Threshold to remain at £27,295 and repayment period to remain at 30 years, rather than new figures to be adopted by UK Government

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