Breathing Space Breathing Space Show & Tell - Creditors June 2020
Breathing Space Agenda Introduction & overview of project progress ● Roles and Responsibilities & Mandatory Fields ● Prototype Demonstration ● Plan for next phase of the project ● Next Steps & Questions ●
Breathing Space Introduction - What is Breathing Space? It’s a scheme offering formal protection for individuals who have problem debt, backed by government legislation. It means: A 60 day period of protection for individuals ● Longer protection for individuals in mental health crisis treatment ● Creditors must pause enforcement action ● Creditor contact relating to repayment of debt must stop ● Interest and default fees & charges are frozen ● Protections dependent on the individual continuing to engage ● with debt advice
Breathing Space Forecast Volumes Year 2021-22 2022-23 2023-24 2024-25 2025-26 2026-27 2027-28 2028-29 2029-30 2030-31 Applications 708,000 792,000 837,000 883,000 932,000 983,000 1,037000 1,094000 1,153000 1,216000
Breathing Space Where are we now? June 2019 to Dec 2019 Jan 2020 To May 2020 June 2020 to May 2021 Alpha Beta Discovery ● Understand our users ● Understand our biggest problems ● Onboard suppliers ● Understand our constraints ● Setup technical working groups ● Test with working groups ● Discovery report ● GDS standards assessment - 14/5 ● Private BETA - MVP ● GDS private BETA assessment ● Public BETA ● Onboard Creditors / Money Advisers
Breathing Space Roles & Responsibilities Insolvency Service Money Adviser Gather information from the individual ● Provide the IT service that money ● advisers will use to submit applications Determine eligibility ● Manage access to the IT service for ● Verify personal details ● money advisers and creditors Obtain & verify details of liabilities ● Produce and maintain guidance for ● Determine that Breathing Space is ● stakeholders appropriate Issue notifications when Breathing Space ● Maintain contact with the individual in debt ● starts and finishes Liaise with creditors when necessary ● Report non-compliance to regulator ● Escalate continued non-compliance by ● creditor
Breathing Space Mandatory fields Clients full name: This is likely to be in a First/Middle/last name basis format. Clients D.O.B: This is likely to follow ISO8601 standard Clients most recent address: We will validate against a postcode checker but MA responsible for validating address entered belongs to the client Business trading name if applicable: Any validation would be a Money Adviser responsibility At least one creditor: MA adviser is responsible for confirming the creditor with the client. Non mandatory fields Debt amount: Encouraged but no requirement to collect this information but will be in format £0.00p Debt reference identifier: Encouraged but no requirement to collect this information Additional reference numbers: No requirement to collect this information Previous names: Should be recorded if relevant Previous addresses: Encouraged but no requirement to collect this information
Breathing Space Prototype Demo June 2020
Road Map - Private BETA - June 2020 to March 2021 July 20 August 20 September 20 October 20 November 20 December 20 January 21 February 21 March 21 Increment 1 Increment 2 Increment 3 Enter a client into a standard Breathing Space Creditor notifications (Only) Enter a client into a mental health Breathing Space Provision of user / systems access for MA/ Creditors (MVP only) Development Review Process Money Adviser notifications Debtor Change of Circumstances End of a Breathing Space Money Adviser onboarding Creditor onboarding Test current prototype with assistive tech users (accessibility) Design and User Research Debtor - Change of Circumstances Consent Onboarding - Process & Implementation (Money Advice, Creditor and Insolvency view) Notifications (Content) Guidance Ongoing testing of the service including accessibility
Breathing Space Future Engagements As we progress continuous engagement with other government departments and creditors will play a key role in preparing for Breathing Space go-live. As such we are proposing the following engagements into Private and Public BETA. Creditor technical working group The technical working group will be meeting every 4 weeks. Please let us know if you would like to ● be involved. Dedicated enquiry channel In order for us to collate and manage enquiries outside of the working groups you can submit ● questions to breathingspaceproject@insolvency.gov.uk Technical working group slack channel ● Show and Tell We will aim to give an update on our progress in this format every 6-8 weeks ●
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